Getting braces is a big decision—both for your smile and your wallet. If you live in Texas and are considering orthodontic treatment, you’re probably wondering, "How much do braces cost with insurance?"
This article breaks down everything you need to know, including types of braces, insurance coverage, payment plans, and tips to save money—specifically for Texas residents.
📊 Average Cost of Braces in Texas (With and Without Insurance)
In Texas, the average cost of braces in 2025 varies based on the type of braces, provider, and how much your dental insurance covers. Here's a quick look:
| Type of Braces | Cost Without Insurance | Estimated Cost With Insurance |
|---|---|---|
| Metal Braces | $4,000 – $6,000 | $1,500 – $3,000 |
| Ceramic Braces | $4,500 – $6,500 | $2,000 – $3,500 |
| Lingual Braces | $7,000 – $10,000 | $4,000 – $7,000 |
| Invisalign (Clear Aligners) | $3,500 – $6,500 | $1,500 – $4,000 |
💡 Tip: Most insurance policies in Texas cover up to $2,000–$3,000 for orthodontic care, often with a lifetime maximum per individual.
🛡️ What Does Dental Insurance Typically Cover in Texas?
Most dental insurance plans in Texas offer partial coverage for braces. Here's what you can usually expect:
- Coverage up to 50% of treatment cost
- Lifetime maximum: Usually $1,500 – $3,000
- Waiting period: 6–12 months
- Age restrictions: Some plans only cover dependents under age 18
Popular providers in Texas that offer orthodontic coverage:
- Delta Dental
- Cigna
- Guardian
- Humana
- MetLife
Not all plans automatically include orthodontics, so be sure to read the fine print or ask your employer if you have coverage.
👨👩👧 Cost of Braces for Kids vs. Adults
In Texas, braces for children and teens are often more affordable with insurance than adult treatments.
- Children (Under 18): Most insurance plans cover orthodontic work, especially for bite issues or jaw misalignment.
- Adults: Coverage is more limited. Many plans exclude adult orthodontics, though supplemental dental plans may help.
Pediatric Braces (With Insurance):
- Metal Braces: $1,500 – $3,000
- Invisalign Teen: $2,500 – $4,000
Adult Braces (With Insurance):
- Traditional Braces: $2,500 – $4,500
- Invisalign: $3,000 – $5,000
💳 Payment Options in Texas Orthodontic Clinics
If insurance doesn’t cover enough—or if you’re uninsured—there are still options:
1. Monthly Payment Plans
Most orthodontists in Texas offer in-house financing with low or no interest.
2. Health Savings Account (HSA) or Flexible Spending Account (FSA)
You can use these pre-tax accounts to pay for braces.
3. Orthodontic Discount Plans
Some dental discount plans offer 20–50% off orthodontic services.
🏙️ City-Based Pricing Examples in Texas
Braces costs can vary depending on where you live in Texas:
- Houston: $4,000 – $6,000 (metal), slightly higher for Invisalign
- Austin: $4,500 – $6,500, often offers tech-friendly options like digital scans
- Dallas/Fort Worth: Competitive pricing, from $3,800 – $6,000
- San Antonio: Generally lower range, $3,500 – $5,500
🧠 FAQs About Braces and Insurance in Texas
Does Medicaid cover braces in Texas?
Yes, for children under 21 with medical necessity, such as severe bite issues. Adult braces are not covered.
Can I get Invisalign with insurance?
Yes, but not all insurance covers clear aligners. Check with your provider.
Can I use dental insurance right away?
Some plans have a waiting period (usually 6–12 months), so check before starting treatment.
Are braces tax-deductible?
Yes, if your out-of-pocket costs exceed 7.5% of your adjusted gross income and you itemize deductions.
Can I switch insurance during treatment?
Yes, but coverage may not transfer, and you might lose some benefits. Speak to both your orthodontist and new provider.
🎯 Final Thoughts: Is Getting Braces in Texas Worth It?
Yes—especially when you factor in long-term benefits like better oral health, improved speech, and a confident smile. With the right insurance, braces in Texas can be affordable and manageable, even for adults. Always compare plans, get multiple quotes, and ask about payment options.
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