If you’re considering braces for yourself or your child in Orlando, FL, understanding your insurance coverage is a key first step. Many families rely on dental insurance to help offset the cost of orthodontic care, and Allegiance is one of the providers that may offer benefits toward braces. But what exactly does Allegiance cover—and how much can you expect to pay out of pocket?
In this guide, we’ll explore how Allegiance dental coverage works for orthodontics, what factors affect eligibility, and what Orlando residents need to know before starting treatment.
How Orthodontic Coverage Typically Works
Dental insurance plans often separate general dental services (like cleanings and fillings) from orthodontic services (like braces or aligners). Orthodontic benefits usually fall into a separate category with different rules.
Here’s how most orthodontic coverage is structured:
- Lifetime maximum benefit — Orthodontic coverage typically includes a one‑time lifetime maximum per person (often $1,000–$2,500).
- Age limitations — Some plans only cover orthodontic treatment for children under 18, while others include adult coverage.
- Waiting periods — Many plans require a waiting period (commonly 6–12 months) before orthodontic benefits begin.
- In‑network vs. out‑of‑network — Seeing an in‑network provider may reduce your out‑of‑pocket costs and make billing simpler.
Each insurance company and plan can vary, so it’s important to look at your specific Allegiance plan details.
Does Allegiance Insurance Cover Braces?
Yes — Allegiance does offer orthodontic benefits under many of its dental insurance plans. However, coverage depends on your specific policy, employer‑provided benefits, and whether the treatment is for a child or adult.
Here’s what may be included under Allegiance orthodontic benefits:
- Partial coverage for traditional metal braces
- Lifetime maximum benefit for each covered person
- Coverage percentages (often 50%) up to that maximum
- Eligibility for medically necessary orthodontics in some cases
To find out what applies to you, it’s best to check your dental benefit summary or contact Allegiance directly.
Allegiance Coverage for Children vs. Adults
Orthodontic coverage often differs between children and adults. Many Allegiance plans focus their orthodontic benefits on dependents under the age of 18. However, some plans — especially employer‑enhanced options — extend those benefits to adults as well.
Here’s how it often breaks down:
- Children — Most likely to qualify for orthodontic coverage, especially when medically necessary
- Adults — May or may not be covered; check your specific plan details
Even if adult orthodontics isn’t covered under your plan, flexible payment options may still make treatment affordable.
What Types of Braces Are Covered?
Allegiance coverage generally applies to traditional orthodontic treatments like metal or ceramic braces. However, coverage for clear aligners or advanced appliances can vary:
- Traditional metal braces — Most commonly covered orthodontic option
- Ceramic braces — May be covered if deemed necessary
- Clear aligners — Coverage varies; confirm eligibility with your plan
It’s best to get a pre‑treatment estimate from your provider, who can submit a claim to Allegiance for verification.
What Is the Average Cost of Braces in Orlando?
In Orlando, the cost of braces can vary based on treatment length, case complexity, and appliance type. Here’s a general cost breakdown:
- Metal braces — $3,000 to $6,500
- Ceramic braces — $4,000 to $7,000
- Clear aligners — $4,500 to $7,500
When Allegiance coverage applies, you may see your out‑of‑pocket costs reduced significantly, depending on your plan’s lifetime maximum and coinsurance percentage.
Tips to Maximize Your Allegiance Coverage
Here are some strategies to make the most of your orthodontic insurance benefits:
- Check your Summary of Benefits — Know what’s covered and what’s not.
- Contact Allyance customer service — Clarify waiting periods and age limits.
- Request a pre‑treatment estimate — Your orthodontist can help submit this to verify coverage.
- Use HSA or FSA options — These can help cover out‑of‑pocket expenses with pre‑tax dollars.
- Track your lifetime maximum — Knowing how much of your benefit has been used helps with planning.
Do You Need Pre‑Authorization?
Many Allegiance dental plans require pre‑authorization or a pre‑treatment estimate before orthodontic benefits are approved. Your orthodontist can submit records and a treatment plan to Allegiance to help obtain this estimate before you start treatment.
Switching Orthodontists Mid‑Treatment
If you’re already in orthodontic treatment and considering switching providers within Orlando — Allegiance may still honor your remaining benefits, as long as you haven’t exceeded your lifetime maximum. Be sure to gather your records and communicate closely with both your current and new orthodontists.
Final Thoughts on Allegiance Braces Coverage in Orlando
If you have Allegiance dental insurance and are considering braces in Orlando, you’re likely eligible for some level of orthodontic coverage — especially for dependents under 18. Understanding your specific benefits, waiting periods, and lifetime maximums will help you plan confidently.
Start Your Smile Journey With Imagine Orthodontic Studio
At Imagine Orthodontic Studio, we help families in Orlando understand their insurance coverage and create custom treatment plans that fit their goals and budget. Whether you’re using Allegiance or another provider, our team makes the process simple.
Schedule your free consultation today and take the first step toward a confident, healthy smile!