For parents, few dental expenses loom larger—or feel more daunting—than braces for their kids. With average costs for orthodontic treatment ranging from $5,350 to $12,000 per child, it’s no wonder families are searching for dental insurance that actually helps cover these big-ticket procedures. In 2025, the landscape is shifting: more insurers are offering orthodontic coverage, but the details matter. Lifetime maximums, waiting periods, and network restrictions can make or break your savings. Let’s break down which family dental plans are truly worth it for braces and aligners, and how to choose the right one before your child’s first appointment.
Why Orthodontic Coverage Matters for Families
Orthodontic care isn’t just about straighter smiles—it can impact jaw health, speech, and even self-esteem. But without insurance, the financial burden is steep. Most families spend $400–$600 per year on routine dental care, but braces can cost thousands. The right dental plan can cut those costs by 50% or more, but only if you know what to look for.
What to Look for in a Family Dental Plan for Braces
When comparing plans, focus on these key factors:
- Lifetime orthodontic maximum: Most plans cap coverage at $1,000–$2,000 per child. Some offer up to $5,000.
- Waiting periods: Many plans require 12–24 months before orthodontic benefits kick in.
- Age limits: Coverage is typically for children under 19, but some plans extend to adults.
- Network restrictions: In-network orthodontists are cheaper, but out-of-network options may be available at a higher cost.
- Preventive care: Immediate access to cleanings and exams is a plus for families with kids who need regular care.
Top Family Dental Plans for Orthodontic Coverage in 2025
1. Delta Dental PPO
Delta Dental remains the go-to for families who want flexibility and a wide network. Their PPO plans cover preventive care at 100% with no deductible, basic procedures at 80%, and major work at 50%. Orthodontic coverage is available as an add-on, typically covering 50% of treatment costs up to $1,500 per child. Waiting periods are 6–12 months, and the network is the largest in the U.S., making it easy to find in-network orthodontists.
Monthly cost: $45–$85 (family)
Lifetime ortho max: $1,500 per child
Waiting period: 6–12 months
Network size: Largest nationwide
2. Cigna Dental 1500
Cigna’s Dental 1500 plan is a strong contender for families who want comprehensive coverage. The plan offers a $1,500 annual maximum per person, which can be used for both routine care and orthodontics. Orthodontic benefits are included after a 12-month waiting period, covering 50% of treatment costs up to a $1,000 lifetime maximum per child. Preventive care is covered immediately, with no waiting period.
Monthly cost: $35–$75 (family)
Lifetime ortho max: $1,000 per child
Waiting period: 12 months
Network size: Large
3. Guardian Direct
Guardian Direct stands out for families who need immediate access to care. Their plans offer no waiting period for preventive services, and orthodontic coverage is available as an add-on. Lifetime maximums range from $1,000–$1,500 per child, with coverage typically at 50%. Customer service is consistently rated highly, and the online portal makes managing family benefits easy.
Monthly cost: $30–$80 (family)
Lifetime ortho max: $1,000–$1,500 per child
Waiting period: 0–12 months
Network size: Medium–Large
4. Spirit Dental & Vision
Spirit Dental is a game-changer for families with urgent orthodontic needs. Their plans offer no waiting periods for any services, including orthodontics, and cover up to $5,000 in annual benefits per person. Orthodontic coverage is included, with lifetime maximums up to $2,000 per child. The plan also bundles vision coverage, which many families appreciate.
Monthly cost: $40–$90 (family)
Lifetime ortho max: $2,000 per child
Waiting period: None
Network size: Medium
Real-World Cost Scenarios: With and Without Insurance
Let’s say your child needs braces that cost $8,000. Without insurance, you’re on the hook for the full amount. With a plan like Delta Dental PPO, you’d pay $4,000 out of pocket (50% covered up to $1,500). With Spirit Dental, you’d pay $6,000 out of pocket (50% covered up to $2,000). But if you wait until the waiting period is over, you could save thousands.
Expert Tips for Maximizing Orthodontic Coverage
- Start early: Enroll in a plan at least 12 months before your child’s expected orthodontic treatment to avoid waiting periods.
- Check network restrictions: In-network orthodontists are cheaper, but out-of-network options may be available at a higher cost.
- Bundle coverage: Some plans, like Spirit Dental, bundle vision and dental, which can save money for families with multiple needs.
- Review plan documents: Always read the fine print for coverage limits, waiting periods, and exclusions.
How to Choose the Best Plan for Your Family
Here’s a step-by-step guide to help you decide:
- Assess your family’s needs: Do you have kids who need braces soon? Are you looking for immediate coverage or can you wait?
- Compare lifetime ortho maximums: Look for plans with higher maximums if you expect multiple children to need braces.
- Check waiting periods: If you need coverage now, look for plans with no waiting period or a short one.
- Review network size: A larger network means more options for in-network orthodontists.
- Get quotes: Use online tools or call insurers for personalized quotes based on your location and family size.
Final Thoughts: Don’t Wait Until It’s Too Late
Orthodontic care is a major expense, but the right dental plan can make it manageable. By understanding the details—lifetime maximums, waiting periods, and network restrictions—you can save thousands and give your child the smile they deserve. Start comparing plans today, and don’t wait until it’s too late to get the coverage you need.
