Yes. HSA and FSA funds can pay for braces and Invisalign, for adults and children. Most dental plans also include a separate lifetime orthodontic benefit, commonly $1,000 to $3,000. At Miller Orthodontics, we verify your benefits for free before your consultation, so the fee we quote is what you'll actually pay.
This time of year, families ask me how to make the most of the benefits they already have before the plan year ends. Here's how insurance, HSA and FSA funds and our payment plan fit together.
On this page
- Can you use an HSA or FSA for braces?
- Does dental insurance cover braces?
- Which insurance plans does Miller Orthodontics accept?
- How do you combine insurance, HSA or FSA and a payment plan?
- When is the best time to start braces to use your benefits?
- What if you don't have orthodontic insurance?
- Frequently asked questions
Free consultation, no referral needed, $300 down. Or call (813) 427-2237.
Can you use an HSA or FSA for braces?
Yes. Orthodontic treatment is an eligible expense for both HSA and FSA funds, for adults and children. That includes braces and Invisalign. We provide documentation for your plan administrator on request, so you have what you need to use your funds.
Every plan has its own rules about how you pay and how you submit expenses. Your plan administrator is the best source for those details. What I can tell you is that orthodontic treatment qualifies, and our team will give you the paperwork your plan asks for.
I can't give tax advice, and contribution limits and deadlines vary by plan. Check your plan's rules, or ask your employer or plan administrator.
Does dental insurance cover braces?
Most dental plans include a separate lifetime orthodontic benefit, commonly between $1,000 and $3,000 and occasionally higher. It's applied on top of your regular dental coverage and typically doesn't reset each year. We verify your exact orthodontic benefit at no charge before your consultation.
Lifetime maximum vs. annual maximum
Your regular dental coverage usually has an annual maximum, the most the plan pays for cleanings, fillings and other dental work in a year. An orthodontic benefit usually works differently. It's a lifetime maximum, a set amount the plan pays toward orthodontic treatment for that person, and it typically doesn't reset each year. Once it's used, it's used.
Does insurance cover Invisalign?
Many plans treat clear aligners the same way they treat braces, but it depends on your plan. We check your benefits before your visit so you know what applies to you. At Miller Orthodontics, Invisalign costs the same as braces. See what Invisalign costs.
Does insurance cover adult braces?
Some plans cover orthodontics for adults, and some only cover children. It depends on the plan. We'll check your plan before you come in.
Which insurance plans does Miller Orthodontics accept?
Miller Orthodontics is in network with Aetna, Ameritas, Assurant, Blue Cross Blue Shield, Cigna, DeltaCare, Delta Dental, Florida Combined Life, GEHA, Guardian, Humana PPO, MetLife, Principal, Solstice, Tricare, United Concordia and UnitedHealthcare. If your plan isn't listed, we verify benefits for any plan at no charge.
You can see the full list on our insurance plans we accept page, or call (813) 427-2237 and our team will check your plan. We also accept Medicaid at our Tampa (Carrollwood) and Brandon offices; see Medicaid braces.
How do you combine insurance, HSA or FSA and a payment plan?
Your insurance benefit applies first. HSA or FSA funds can then cover out-of-pocket amounts, and any remaining balance can go on our in-house payment plan at 0% interest. You get the exact numbers in writing at your free consultation.
Here's how it usually fits together:
- We verify your benefits. Before your consultation, at no charge, so the quote reflects your coverage.
- Insurance applies first. Your orthodontic benefit goes toward the treatment fee.
- HSA or FSA funds. You can use them for out-of-pocket amounts, following your plan's rules.
- The rest on a payment plan. Most patients start with $300 down and spread the balance over treatment at 0% interest, in house, with no credit check, with payments as low as $169 a month. Extended-term financing through HFD is also available.
Most patients at Miller Orthodontics invest between $3,000 and $7,200, depending on how long treatment takes and how complex the case is. Your exact cost, after benefits, comes in writing at your free consultation, before you commit to anything.
When is the best time to start braces to use your benefits?
Many families time the start of treatment around their plan year to use benefits from two calendar years. The right timing depends on your plan, so check whether your FSA has a year-end deadline or grace period, and ask us how payments fall across plan years.
A few things to look at:
- Your FSA deadline. Some plans have a year-end deadline, a grace period or a carryover. They vary by employer, so check yours.
- Open enrollment. This is the time to look for orthodontic coverage or set your FSA amount for next year.
- How payments fall. Treatment and payments span months, so ask us how they line up with your plan years. Our post on how long braces take covers typical treatment length.
Always check your own plan's rules with your plan administrator. We'll help with the orthodontic side.
What if you don't have orthodontic insurance?
You can still get braces or Invisalign without orthodontic insurance. Our in-house plan starts at $300 down with 0% interest and no credit check, HFD offers extended-term financing, and you can use HSA or FSA funds. We also offer several discounts.
Miller Orthodontics offers discounts for pay-in-full, families, teachers, military members, first responders including police, fire and EMS, and full-time students with ID. Ask about them at your consultation and we'll apply what you qualify for. See payment plans and discounts.
Frequently asked questions
Can I use my HSA for braces?
Yes. Orthodontic treatment is an eligible expense for HSA funds, for adults and children, and that includes braces and Invisalign. We provide documentation for your plan administrator on request. Check your own plan's rules for how to pay and submit expenses.
Can I use my FSA for Invisalign?
Yes. Orthodontic treatment, including Invisalign, is an eligible expense for FSA funds, for adults and children. FSA deadlines and grace periods vary by employer plan, so check yours. We can provide documentation for your plan administrator on request.
Does dental insurance cover braces?
Most dental plans include a separate lifetime orthodontic benefit, commonly between $1,000 and $3,000 and occasionally higher, on top of regular dental coverage. It typically doesn't reset each year. We verify your exact benefit at no charge before your consultation, so the fee we quote is what you'll pay.
What is a lifetime orthodontic maximum?
It's the total amount your plan will pay toward orthodontic treatment for one person. Unlike the annual maximum for regular dental care, it typically doesn't reset each year. Once it's used, it's used, so it's worth knowing your amount before you start. We check it for you at no charge.
Does insurance cover braces for adults?
It depends on the plan. Some plans cover orthodontics for adults, and some cover only children, so it's worth checking before you plan around it. We'll verify your benefits before your visit, so you know what applies to you before you commit to anything.
Do you take Delta Dental, Cigna, MetLife or Tricare?
Yes. Miller Orthodontics is in network with Delta Dental, DeltaCare, Cigna, MetLife and Tricare, along with the other plans on our insurance page. If your plan isn't listed, call (813) 427-2237 and we'll verify your benefits at no charge.
Can I use benefits from two plan years?
Many families time the start of treatment around their plan year to use benefits from two calendar years. Whether that works for you depends on your plan's rules, so check with your plan administrator. We'll help you see how your treatment payments fall across plan years.
Will you check my benefits before I come in?
Yes. We verify your orthodontic benefits at no charge before your consultation, for any plan. That way, the fee we quote at your free consultation is what you'll actually pay out of pocket, and you get it in writing before you commit.
What if I don't have orthodontic insurance?
You still have options. Start with $300 down on our in-house plan at 0% interest with no credit check, use extended financing through HFD, and use HSA or FSA funds. Ask about our discounts for pay-in-full, families, teachers, military, first responders and full-time students.
Do you give documentation for my HSA or FSA?
Yes. We provide documentation for your plan administrator on request. Just ask our team, and we'll give you what your plan needs so you can use your HSA or FSA funds for treatment.
Ready to use your benefits? Start with a free consultation
We'll verify your insurance before you arrive, examine your teeth and give you your exact cost in writing, after benefits. Book your free consultation, check your insurance, call (813) 427-2237 or email info@northtampabraces.com. Hablamos Español.
Free consultation, no referral needed, $300 down.
Miller Orthodontics · Tampa, Brandon and Apollo Beach · (813) 427-2237 · info@northtampabraces.com