Dental Insurance For Orthodontics in Gilbert AZ

We know that orthodontic care is an important investment, and we’re here to help make it as accessible and stress-free as possible. At Matthew Jones Orthodontics, we work with many major dental insurance providers to help reduce your out-of-pocket costs, whether you're exploring braces for your child or clear aligners for yourself.

Our Gilbert AZ team will walk you through your benefits, explain exactly what’s covered, and handle all the paperwork on your behalf. We'll also provide a transparent, all-in quote up front — no hidden fees, no surprise charges, and no guessing games if treatment takes longer than expected.

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Does Dental Insurance Cover Orthodontics in Gilbert AZ?

Sometimes — it depends on your plan.

While most dental insurance covers cleanings, exams, and basic dental work, orthodontic benefits vary widely. Some plans include orthodontic coverage automatically, while others require an upgraded policy or an add‑on for braces or aligners.

If you’re unsure whether your plan includes orthodontic benefits, our team can help you review your coverage or contact your provider directly.

Our practice accepts most major credit cards and insurance plans.

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What Does Orthodontic Coverage Usually Include?

Most orthodontic insurance benefits apply toward braces, clear aligners like Invisalign, retainers, and certain appliances used to correct bite and jaw alignment. That said, coverage limits and exclusions can vary widely.

Here are some things you’ll want to check:

• Lifetime maximums: Most plans cap orthodontic coverage at a fixed dollar amount per person, often between $1,000 and $3,000.
• Age limits: Some policies only cover treatment for dependents under 18.
• Waiting periods: Certain plans require a waiting period of 6 to 12 months before benefits kick in.

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PPO vs. HMO Plans for Gilbert AZ Orthodontics

If you have a PPO plan, you likely have the flexibility to choose your top-rated orthodontist, even if they’re out of network. With HMO plans, you'll probably need a referral and must stay within the plan's provider network.

Either way, it pays to ask:

• Is the orthodontist in-network?
• How much is reimbursed for out-of-network care?
• Are pre-authorizations required?

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Using FSA or HSA to Supplement Costs

If your insurance falls short, don't panic. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) can be used toward braces, clear aligners, retainers, and orthodontic appliances. These tax-advantaged accounts let you use pre-tax dollars to pay for eligible orthodontic treatments, potentially saving you hundreds.

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We Make Insurance Simple

Our team verifies your benefits before your consultation and provides a clear breakdown of what your plan covers. We’ll also:

• File claims on your behalf
• Submit pre‑treatment estimates
• Help you understand your coverage options
• Provide transparent, all‑in pricing with no hidden fees
• Offer flexible financing for any remaining balance

At Matthew Jones Orthodontics, your cost is clear from the start, and stays that way. No surprise bills. No extended‑treatment upcharges. Just honest orthodontic care.

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Still Have Questions About Insurance?

Call our Gilbert, AZ office anytime! We’re happy to help you understand your insurance or walk you through financing options. Our goal is to make orthodontic treatment as accessible and stress‑free as possible for every family.