If you’re considering orthodontic treatment for yourself or your child, one of your first questions is likely: Will my insurance cover it? It’s a smart question—and one that can make a big difference in how you plan and budget for treatment.
At TG Orthodontics, we want every patient to feel confident and informed before starting care. That’s why we work closely with families across Marlboro and the surrounding New Jersey communities to help them understand what their insurance covers and what to expect financially.
In this blog, we’ll walk you through how orthodontic insurance works, how TG Orthodontics supports patients with coverage, and what to know before your first consultation.
How Does Orthodontic Insurance Work?
Orthodontic coverage is often included as part of your dental insurance plan. Unlike standard dental benefits—which usually renew annually—orthodontic benefits typically include:
- A lifetime maximum (often between $1,000–$3,000 per individual)
- Coverage for a percentage of treatment (commonly 50%)
- Potential age limits, sometimes only covering children under 19 (though more plans now include adult coverage)
Coverage usually applies to braces, clear aligners like Invisalign, and digital systems such as LightForce Braces. However, specifics can vary by plan.
Yes—TG Orthodontics Accepts Most Major Insurance Plans
At TG Orthodontics, we partner with many major dental insurance providers to ensure families have access to affordable, flexible care. We’re in-network with several carriers and also work with out-of-network plans to help you maximize your benefits.
Some of the plans we commonly work with include:
- Delta Dental
- Aetna
- MetLife
- Cigna
- Guardian
- United Concordia
- Blue Cross Blue Shield
Don’t see your provider listed? Don’t worry. Our team is happy to check your benefits and walk you through your options—no pressure, just clarity.
What Does Insurance Typically Cover?
Orthodontic insurance usually helps with:
- Initial consultation and diagnostics — Including exams, X-rays, and digital scans
- Braces — Metal, clear (ceramic), and custom 3D-printed brackets
- Clear aligners — Such as Invisalign
- Follow-up visits — For adjustments and progress monitoring
Some plans may not cover:
- Retainers or replacement retainers
- Cosmetic-only enhancements
- Adult orthodontics (depending on the policy)
Your total out-of-pocket costs will depend on your coverage percentage, lifetime maximum, and any exclusions.
How TG Orthodontics Helps You Understand Your Coverage
We know that insurance terms and paperwork can be confusing—especially when it comes to orthodontics. That’s why TG Orthodontics takes the lead in:
- Verifying your insurance benefits before treatment begins
- Explaining what your plan covers and what it doesn’t
- Calculating your estimated out-of-pocket investment
- Filing claims and working directly with your insurance provider
From the moment you schedule your complimentary consultation, our team begins working behind the scenes to make your experience smooth and stress-free.
No Insurance? We’ve Got Options for You, Too
If you don’t have orthodontic coverage—or if your insurance doesn’t cover everything—you still have access to flexible treatment options.
TG Orthodontics offers:
- In-house, no-interest payment plans
- Family discounts for multiple children in treatment
- Third-party financing options with low monthly payments
We believe everyone deserves access to a healthy, confident smile—regardless of their insurance status. We’ll work with you to create a payment plan that fits your family’s needs and budget.
Tips for Using Your Insurance Wisely
Want to make the most of your orthodontic benefits? Here are a few tips:
- Use your benefits early — Since orthodontic coverage is a one-time benefit, the sooner you begin treatment, the better.
- Know your lifetime max — Be aware of your plan’s maximum coverage amount so you can plan accordingly.
- Coordinate dual coverage — If both parents have insurance, you may be able to combine benefits for greater savings.
- Ask about HSA/FSA use — Many out-of-pocket costs can be paid with pre-tax dollars from a Health Savings or Flexible Spending Account.
A little planning can go a long way in reducing your financial burden.
Why Local Families Trust TG Orthodontics
We’re proud to serve Marlboro and surrounding New Jersey communities with personalized, high-quality care. From your first visit to your final retainer check, you’ll find a team that’s here to support you—not just clinically, but financially, too.
Whether you’re interested in traditional braces, Invisalign, or cutting-edge options like LightForce Braces, we’ll help you navigate insurance and create a plan that makes sense.
Get Started with a Complimentary Consultation
At TG Orthodontics in Marlboro, NJ, we’re here to help you get the care you need—without the stress. We accept most major insurance plans and work hard to make sure you get the benefits you’re entitled to. Let’s make your smile journey easy, affordable, and personalized.
Schedule your free consultation today and let our team take the guesswork out of insurance and payment planning.