Complete-cost guide

Braces and orthodontic treatment cost

The largest cost variable in orthodontics is not the appliance but whether treatment is comprehensive or limited to the appearance of the front teeth, and whether refinements and retainers are inside the quoted fee.

Updated August 20, 2026Not clinically reviewed · status

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Orthodontic pricing is dominated by one distinction that rarely appears in advertising: comprehensive treatment versus limited treatment. Comprehensive treatment corrects how the whole bite fits together; limited treatment aligns the front teeth for appearance and leaves the back bite as it was. Limited treatment is faster and considerably cheaper, and it is a legitimate option in the right case, but it is not the same product, and a quote that is far below another is very often describing it. The two other items that catch people out are refinements, which are common instead of exceptional, and retainers, which are not optional and are a lifetime recurring cost, not a one-off at the end. Orthodontic benefits, where a plan offers them, typically sit under a separate lifetime maximum instead of the annual one and are paid in instalments across treatment, so if coverage ends partway through, a job change is the common cause, the remaining instalments generally stop.

Published fees for the coded services

Fee per unit of the procedure code, in US dollars
ServiceDelta Dental of Washington plan, 2023Maryland Medicaid, 2025
Comprehensive orthodontic treatment, adolescent dentition (D8080)Not listed$1,035
Comprehensive orthodontic treatment, adult dentition (D8090)Not listed$900
Periodic orthodontic treatment visit (D8670)Not listed$75
Orthodontic retention (D8680)Not listed$200

Private offices can charge more, and fees differ by region and case. Sources: the Delta Dental of Washington fee schedule (as of June 8, 2023) and the Maryland Healthy Smiles 2025 fee schedule. For a fee lookup by ZIP code, see FAIR Health Consumer.

The main variable

Comprehensive versus limited treatment

This distinction affects the fee more than the appliance does. Comprehensive treatment addresses the occlusion, how the teeth meet, and typically requires more stages, more appointments and a longer period. Limited treatment moves the visible front teeth into better alignment without correcting the bite, and in some cases can leave the way the teeth meet less even than before. Both are legitimate; the problem is being sold one while believing you are buying the other. The clarifying question is simple: what does this plan do about how my back teeth meet?

What moves the number

Cost drivers

FactorDetail
Scope of treatmentComprehensive versus limited. The single largest variable in most quotes.
Case complexityHow far teeth must move, whether extractions are needed, whether skeletal factors are involved.
ProviderGeneral dentist or orthodontist, with different fee schedules and different thresholds for taking on complex cases.
Appliance typeMetal, ceramic, lingual or aligner. Lingual and some aligner systems cost more.
RefinementsAdditional aligners or extended fixed treatment. Should be inside the fee with a stated allowance.
RetainersOften quoted separately, and replacements are a recurring cost for life.

Benefits

Why orthodontic coverage works differently

  • Orthodontics usually has a separate lifetime maximum instead of contributing to the annual maximum
  • Age limits are common, and adult orthodontics is frequently excluded entirely
  • Benefits are typically paid in instalments across treatment, not upfront
  • A waiting period before orthodontic benefits become available is common
  • Retainers and replacements may be excluded even where active treatment is covered
  • Plans generally do not distinguish between fixed braces and aligners
  • If coverage ends mid-treatment, remaining instalments generally stop

Red flags

What should make you pause

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A notably cheap quote that turns out to be limited front-tooth treatment

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Retainers not mentioned, or quoted only at the end

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Refinements not included and not priced

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A fixed duration promised before records have been taken

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Treatment offered without radiographs or an in-person examination

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No discussion of what happens if you move or your coverage ends mid-treatment

Insurance

Orthodontic benefits have age limits and their own maximum

Cigna's guide says not all dental plans cover braces, and that plans that do may limit coverage to a certain age and cap what they pay. MetLife lists orthodontics among major services in its PPO guide, and one of its government-program plan listings mentions orthodontic coverage for children up to age 19 on its higher-level option. So an orthodontic benefit may exist, and still not cover you if you are past the age limit. Look for the benefit in the schedule of benefits, the age limit, the lifetime maximum and any waiting period. Then ask whether the plan pays in a lump sum or over the course of treatment.

The IRS lists braces among dental treatments that can count as medical expenses. Consult a tax professional about how that applies to you.

Scope

Comprehensive, limited and phased treatment

FactorDetail
Comprehensive treatmentAddresses the bite as a whole and is usually the longest course.
Limited treatmentAddresses a specific concern, often the front teeth. Ask what it leaves unresolved.
Phased treatment for childrenSome children have an early phase and a later one. Find out whether both are in one fee.
Retainers and refinementsFind out whether retainers, broken brackets and extra visits are included, and for how long.

Who does the work

Orthodontist or general dentist

An orthodontist is a specialist with advanced training in tooth movement and bite relationships. Some general dentists also provide braces. Ask who will examine you, who will adjust the braces, how often you will be seen and who to call if a wire breaks. If a child is being treated, ask whether the plan expects a different course as they grow. Check what the estimate covers if treatment takes longer than expected.

Lowering the bill

Ways to reduce cost without lowering the standard

01

Call a dental school with an orthodontic program to find out whether it takes patients and how it sets fees

02

Ask your plan for the orthodontic age limit, lifetime maximum and waiting period

03

Ask about payment schedules, and what happens if you stop early or move

04

Ask whether a Medicaid or CHIP program in your state covers orthodontics for children, and under what conditions

05

Get two itemized estimates for the same course of treatment

Questions people ask

Common questions

01

Why is one orthodontic quote half the price of another?

Most often because it is limited treatment, aligning the front teeth for appearance without correcting the bite, instead of comprehensive treatment. Fewer stages, fewer appointments, lower fee. Other differences include whether refinements and retainers are included, whether a specialist is providing treatment, and the appliance type. Ask each provider directly what their plan does about how your back teeth meet.

02

Are retainers included in the price?

Often not, and they are not optional: teeth drift back without them, permanently, and that tendency continues for life instead of expiring. Ask whether retainers are included, how many, and what replacements cost, because you will need them indefinitely and a lost retainer can allow movement within weeks. Treating retainers as a lifetime recurring cost gives a much more accurate picture of what orthodontics costs.

03

Does insurance cover braces for adults?

Frequently not. Many plans restrict orthodontic benefits to dependants under a specified age. Where adult coverage exists, the lifetime maximum, waiting period and instalment payment rules still apply. Because orthodontic benefits sit in their own category with their own rules, check that section of your policy specifically, not assuming your general dental coverage extends to it.

04

What happens to my payments if I change jobs mid-treatment?

This is a common and genuinely awkward problem. Orthodontic benefits are usually paid in instalments tied to continuing coverage, so if coverage ends the remaining instalments generally stop. A new plan may apply its own waiting period, may exclude treatment in progress, or may consider the lifetime maximum partly used. Ask both the practice and the insurer how treatment in progress is handled before you start.

05

Is it cheaper to go to a general dentist than an orthodontist?

Often somewhat, but the comparison should be about suitability instead of price alone. Straightforward alignment is treated well in general practice. Skeletal discrepancies, impacted teeth, cases requiring extractions and controlled space closure, and growth-timing decisions in children are where specialist training matters most. Ask how often the clinician treats cases like yours and where their referral threshold sits.

06

Do ceramic or lingual braces cost more than standard metal braces?

Yes, typically: ceramic brackets and especially lingual (behind-the-teeth) systems generally cost more than traditional metal brackets, reflecting material cost and, for lingual braces, a more technically demanding fitting and adjustment process.

07

Does treating a child early (interceptive orthodontics) cost less overall than waiting?

Not necessarily: early intervention can sometimes reduce the complexity of later comprehensive treatment, but it is also frequently followed by a second phase of treatment once more permanent teeth have erupted, meaning two fee episodes instead of one. Ask specifically whether early treatment is expected to reduce or simply precede a later comprehensive phase.

08

Is there a cost difference between finishing treatment early and on the original schedule?

Finishing early is not typically discounted, since the fee is usually set for the whole course of treatment regardless of exactly how many appointments were needed, though ask your specific provider's policy since arrangements do vary.

09

Does the cost of braces differ significantly between an urban and a rural practice?

Fees do vary by geographic market and local overheads, similar to most dental services, but this varies too much by specific location to state a general rule: compare your own local written quotes, not a figure from elsewhere.

10

Do I have to pay extra if a bracket comes loose or a wire breaks during treatment?

Many practices include a defined number of emergency repair visits within the overall treatment fee, but ask specifically what is covered and whether frequent breakages (sometimes related to diet or habits) could eventually incur additional charges.

11

Is the cost of orthodontic treatment affected by whether teeth need to be extracted first?

Extractions, where needed to create space for tooth movement, are billed separately from the orthodontic fee itself, adding a real additional cost that should be included when comparing complete treatment plans.

12

Does the fee change if surgery is needed alongside orthodontics for a skeletal discrepancy?

Yes, substantially: orthognathic (jaw) surgery is billed separately from the orthodontic treatment itself, often under different insurance rules since it may be assessed as a medical procedure, and it represents a considerable additional cost beyond braces or aligners alone.

13

Does dental insurance cover braces?

Some plans do, and many do not. Cigna's guide says not all plans cover braces and that those that do may have age limits and annual limits. MetLife lists orthodontics among major services. Check your plan for an orthodontic benefit, its age limit and its lifetime maximum.

14

Is there an age limit on orthodontic coverage?

On many plans, yes. Cigna says some plans only cover orthodontic care up to a certain age, and one of MetLife's government-program plan listings mentions orthodontic coverage for children up to age 19 on its higher-level option. The limit varies, so read your own schedule of benefits before you plan treatment.

15

Can a dental school straighten teeth at lower cost?

Some do. Dental schools with orthodontic programs may offer supervised treatment at reduced fees, and the National Institute of Dental and Craniofacial Research points people to dental schools for lower-cost care. Waits and scope vary. Call the program and ask what it offers, who supervises and how fees are set.

Related glossary terms

Sources

  1. Oral Health TopicsAmerican Dental AssociationAccessed 2026-08-17
  2. Medicare Dental CoverageCenters for Medicare & Medicaid ServicesAccessed 2026-08-17
  3. Types of Dental InsuranceCigna HealthcareAccessed 2026-09-24
  4. Dental InsuranceMetLifeAccessed 2026-09-24
  5. What Is a Dental PPO Plan?MetLife Oral Fitness LibraryAccessed 2026-09-24
  6. Publication 502, Medical and Dental ExpensesInternal Revenue ServiceAccessed 2026-08-17
  7. Finding Dental CareNational Institute of Dental and Craniofacial ResearchAccessed 2026-09-23