Braces Cost Estimator

Start by selecting the type of braces you are considering. Each option shows its typical price range so you can compare at a glance. Then enter your estimated treatment length in months. If you are not sure, 18 months is a common starting point for most cases.

If you have dental insurance with orthodontic coverage, toggle the insurance option to "Yes" and enter your coverage percentage and annual maximum benefit. The calculator will estimate how much your plan covers over the full treatment period and show your remaining out of pocket cost.

Finally, set a payment plan length to see what your monthly installment would be. Click "Compare all braces types" to see a side by side breakdown of every option with your insurance and payment settings applied.

Traditional metal braces are the most widely used and most affordable option. They use stainless steel brackets bonded to the teeth, connected by metal wires that are gradually tightened. Modern metal braces are smaller and more comfortable than older designs, and they work well for nearly every type of alignment issue.

Ceramic or clear braces work the same way as metal braces but use tooth colored or clear brackets that blend in with your teeth. They are a popular choice for adults and teens who want a less noticeable option. They cost slightly more than metal braces and may require a bit more care to keep the brackets from staining.

Lingual braces are placed on the back side of the teeth, making them invisible from the front. They are the most expensive option and require a specialist to install and adjust. Treatment time is similar to traditional braces, but the adjustment period for your tongue can take a few weeks.

Invisalign and clear aligners use a series of custom made removable trays to gradually shift your teeth. They are nearly invisible when worn and can be removed for eating and brushing. They work best for mild to moderate alignment issues and require discipline to wear them 20 to 22 hours per day.

Most dental insurance plans that include orthodontic benefits cover approximately 50% of the total cost, subject to a lifetime maximum that usually falls between $1,000 and $2,000. Some plans are more generous, so it is worth checking your summary of benefits carefully. Pay close attention to whether the plan has a separate orthodontic deductible.

If both parents in a household have dental insurance, you may be able to coordinate benefits so that one plan covers part of what the other does not. This is called "dual coverage" and can significantly reduce your out of pocket costs. Talk to both insurance providers about how coordination works.

Timing matters. If you are close to a plan renewal date, starting treatment just before the new plan year begins means you can potentially use two years of annual maximum benefits across a single treatment. This strategy is especially helpful for plans with lower annual caps.

Use a Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for braces with pre tax dollars. Depending on your tax bracket, this can effectively save you 20% to 35% on the total cost. You can set your annual FSA contribution to match your expected out of pocket payments each year.

Dental schools and orthodontic residency programs offer treatment at reduced rates, often 30% to 50% less than private practice pricing. The work is performed by dental students or residents under the direct supervision of licensed faculty, so the quality is still excellent. The trade off is that appointments may take longer and scheduling can be less flexible.

Some orthodontists offer discounts for paying the full amount upfront. If you have the savings available, ask about a cash pay discount. It is not uncommon to save 5% to 10% off the total by avoiding a payment plan.