Do I Need Dental Insurance to Get Orthodontic Treatment?

Dr. Dougherty and our team at Dougherty Orthodontics in St. Louis know that one question often looms when considering orthodontic treatment: “Do I need dental insurance?” It’s a question we hear from parents and adults alike. That’s why we want to give you the lowdown on dental insurance and other ways to make orthodontic care affordable. 

The Role of Dental Insurance

So, you’re wondering if dental insurance is necessary for orthodontic treatment. This question often pops up, especially among parents eyeing braces for their kids. The simple answer is no. Dental insurance isn’t a requirement. But it can be helpful.

Dental insurance plans often include some coverage for orthodontic care. This could mean a percentage of the treatment cost is covered. Or you might get a fixed dollar amount. But here’s the catch: not all treatments are covered. For example, if you’re dreaming of clear aligners, you’ll need to double-check if your insurance plan is on board with that.

Another thing to keep in mind is the waiting period. Some insurance plans make you wait a certain amount before you can claim benefits for orthodontic treatment. Imagine waiting months to start a treatment you’re ready for now. 

At Dougherty Orthodontics, we get it. Insurance can be a maze of terms and conditions. Our team is here to help you determine your plan and how to make the most of it. We’ll even handle the paperwork for you. 

Dental insurance can be a worthwhile ally in reducing the cost of orthodontic treatment. However, it’s not the end-all-be-all. There are limitations, and knowing what your plan covers is crucial before making any decisions.

Payment Plans as an Alternative

What if dental insurance isn’t your cup of tea? Or, suppose you find out it doesn’t cover the treatment you want. No worries! Dougherty Orthodontics offers payment plans that let you spread the cost over time. Think of it as a mini-loan for your smile.

Here’s how it works: Instead of paying the total cost upfront, you make smaller, manageable monthly payments. It’s like turning a mountain into a bunch of little hills. And the best part? You know precisely what you owe monthly, so there are no surprises.

Now, you might be wondering about interest rates. We offer interest-free alternatives affordable on any budget. Plus, low down payments. 

Payment plans are a fantastic alternative if you want flexibility. They allow you to get the necessary treatment without breaking the bank or waiting for insurance approvals. Plus, they’re an excellent fit for families juggling multiple expenses. 

Do I Need Dental Insurance to Get Orthodontic Treatment?

Pros and Cons

Let’s put dental insurance and payment plans side by side and see how they stack up.

Dental Insurance


Cost Savings: With insurance, much of your treatment cost could be covered. It’s like having a coupon for your smile.

Peace of Mind: Knowing you have some level of coverage can make the whole process less stressful.


Limits: Your dream treatment might need to be added to your insurance’s list of covered items. It’s always good to read the fine print.

Waiting Periods: Some plans make you wait before starting treatment. It’s like being stuck at a red light.

Payment Plans


Flexibility: You set the pace. Choose a plan that fits your budget.

No Surprises: Monthly payments are set so you won’t get hit with unexpected costs.


Interest: A problem at some practices, but not at Dougherty Orthodontics. So, perhaps file this one under “pro.” 

Credit Check: Your credit score might be a factor depending on the plan. But don’t worry, we’ll walk you through it.

So, what’s the takeaway? Both options have their perks and pitfalls. Dental insurance offers some financial cushion but comes with limitations. Payment plans give you the freedom to choose but might have extra costs. At Dougherty Orthodontics, we help you weigh these options and find what works best.

Dougherty Orthodontics’ Approach

So, how does Dougherty Orthodontics make this whole process easier for you? We’re glad you asked! We believe that orthodontic care should be accessible to everyone, and we have a few tricks to make that happen.

First off, we offer a variety of treatment options. Whether you’re a teen wanting the latest clear aligners or a busy parent considering traditional braces, we’ve got you covered. We aim to match you with the treatment that suits your needs and lifestyle.

But what about the cost? We get it; orthodontic care is an investment. That’s why we offer both insurance support and flexible payment plans. Our team will sit down with you to discuss your options and help you make an informed decision. We’ll even handle the nitty-gritty details like insurance paperwork and payment schedules. 

At Dougherty Orthodontics, we’re not just fixing smiles but building relationships. We want you to feel comfortable and informed every step of the way. So, whether you opt for dental insurance, a payment plan, or a mix of both, we’re here to make your orthodontic journey as smooth as possible.

Do I Need Dental Insurance to Get Orthodontic Treatment?

Affordable Treatment With Dougherty Orthodontics

Whether it’s dental insurance or payment plans, you can make orthodontic treatment affordable. Dr. Dougherty and our team at Dougherty Orthodontics in St. Louis are committed to helping you find the best fit for your needs. We’re all about giving you a great smile and boosting your confidence.

Ready to take the next step? Visit us here to schedule a free consultation with us. Let’s explore your options and find the path that’s perfect for you.