The short answer
Usually a lifetime maximum of $1,000 to $2,500, often only under age 19, and sometimes only after a waiting period. Three numbers decide the rest.
Dental insurance does not work like medical insurance. For orthodontics, three numbers in your policy decide almost everything, and I check all three before your consultation.
The lifetime maximum
Most PPO plans set an orthodontic lifetime maximum, commonly between $1,000 and $2,500, per person, for good. It is not a yearly allowance, and it usually pays out in instalments across your treatment rather than all at once.
The age limit
Many plans cover orthodontics only up to age 19, and some stop at 14. Adult coverage exists but is much less common.
The waiting period
New plans often make you wait six or twelve months before orthodontic benefits start. If you are two months away from that date, waiting can be worth thousands.
General information about orthodontic treatment, not advice for your mouth. Ask us about your own case at a consultation.