Do I Need Dental Insurance to Get Orthodontic Treatment?

As you begin seeking orthodontic treatment, the question of if you need dental insurance may have crossed your mind. Lively & Napoli Orthodontics is passionate about providing affordable care for those looking to improve their smile. We are here to answer your questions, such as how care can enhance your life and the costs you can expect to see. Read on to learn the first steps toward getting treatment!

Improving Your Smile Under Orthodontic Care

An Orthodontist’s Role

Orthodontists such as Drs. Lively and Napoli have spent over ten years mastering teeth and jaw alignment. Their job is to diagnose, treat, and prevent related issues like overbite and underbite, malocclusion, and crowded teeth. 

Thanks to the many advancements within oral work, you can count on far more benefits beyond aesthetics while improving your smile. Your general health can drastically improve when chewing food more efficiently, achieving more restful sleep, fewer stomach issues due to smoother food digestion, and a significant boost to your self-esteem! 

Orthodontic Care Provided 

There are many treatments provided to our patients, with the most common being braces and Invisalign. No matter the condition of your teeth, we are able to care for all ages seeking an improved smile. So long as your permanent teeth have grown in, we can get you started on either right away. We additionally offer early preventative treatment for young children whose teeth require extra guidance as their baby teeth grow.

The Basics of Dental Insurance

In short, dental insurance is a type of coverage sought by those looking to improve their teeth. It promotes oral health thanks to providing coverage for annual checkups, preventative care services, imaging, and common complications. By paying a monthly fee, you can keep your coverage active to use at subsequent appointments, helping to dramatically lower your costs. 

Each plan varies in coverage options and how much is covered. We can help you understand the details of your insurance when you come in for a free consultation and determine how much it may help with the treatment you are seeking.

Is Insurance Required To Get Treatment?

Luckily, Lively & Napoli Orthodontics does not require dental insurance for treatment! Everyone is welcome to come in, with or without it. No matter your situation, we believe everyone seeking expert care should be able to get it. Our team understands that figuring out your coverage details can be confusing, but we’re here to help. We guarantee you will receive the best treatment and get the best deal from our office.

Insurance Companies Accepted By Our Office

We are proud to accept many insurance companies, including but not limited to Dental Dental, Humana, Guardian, Metlife, and United Healthcare! If you don’t see your insurance listed, please visit our Financing & Insurance page, which provides a longer list of accepted plans. You can also give our office a call, and we will happily help you out! 

How Is Treatment Cost Determined?

The cost of treatment is calculated to incorporate your orthodontic appliance, appointments during and post-treatment, a retainer to keep the work done in place, necessary adjustments, and more—the price varies depending on your case’s complexity, treatment length, and oral health. 

We Can Help You Finance

Lively & Napoli Orthodontics is proud to offer high-quality smiles at an affordable price! We can customize your financing to keep care within your budget by providing in-house, no-interest monthly payment plans, a discount when payment is made in full, and no down payment with extended plans thanks to third-party companies like CareCredit or Springstone. We will work with you during your free consultation to find a plan that fits your needs and budget.

Do I Need Dental Insurance to Get Orthodontic Treatment?

Your Estimated Costs 

After Insurance

With varying plan details, we cannot offer our patients an estimate of costs after insurance as everyone’s is different. One patient’s plan may cover 50-80% of payment while another’s may contribute nothing. Our team can walk you through your unique coverage to give you a better idea of the payment range you are working with.

Before Insurance

Invisalign’s average range is about $2,000 to $10,000 for a complete set of aligners.

Modern Metal Braces’ average range is about $3,000 to $7,000 for complete treatment.

Clear Ceramic Braces’ average range is about $4,000 to $8,000 for complete treatment.

Considerations While Choosing Your Insurance Plan

When selecting insurance with the intent of using it for orthodontic work, we recommend you keep an eye out for the following things to help you make an informed decision:


As mentioned, dental insurance usually covers the basics, such as your bi-annual teeth cleaning, but only a few include braces or Invisalign treatment. Don’t forget to double-check what your plan will assist with before committing to it to ensure it fits your needs.

Coverage Limits

Some plans may only cover costs up to a certain amount of money or procedures within a calendar year, so don’t forget to confirm it matches your orthodontic needs when you receive it.

Monthly Premium

To keep your insurance active, companies charge a monthly premium. To provide long-term coverage and keep your teeth healthy, choosing a plan with a fee within your budget is essential to make sure you have your insurance when you need it.

Why Receive Orthodontic Treatment?

The earlier you address dental issues, the less complicated procedures you may have to endure later in life. By thinking about your oral health now, you are proactively setting yourself up for a healthy future.

Thanks to orthodontic advances, appliances become increasingly effective. Lively & Napoli Orthodontics stays updated on the latest technology to offer our patients the most efficient and comfortable treatment experience. No matter which appliance you choose, we guarantee the work you put into straightening your teeth will be worth each day.

Do I Need Dental Insurance to Get Orthodontic Treatment?

Start Your Realignment Journey Today! 

Under the care of Lively & Napoli Orthodontics, you can expect nothing less of high-quality expert-level care provided to your dental concerns. Whether or not you have insurance to help cover the costs, we will work with you to meet your smile goals and achieve the straightened smile you deserve. Contact our Stuart office today for a free consultation!