Braces can cost between $3,000 and $10,000 in Canada, but with insurance, the out-of-pocket cost is usually reduced by 50% or more depending on your coverage.

Let’s be honest—braces aren’t exactly cheap. But they’re one of those expenses that can save you a lot down the road. Crooked teeth don’t just look off; they can lead to jaw issues, bite problems, and even gum disease. That’s why getting braces is more than cosmetic—it’s smart healthcare.

If you’ve got insurance, you’re already ahead of the curve. But there are still plenty of questions to answer. What’s the real cost? What’s covered? Are there hidden fees? Let’s break it all down so you can make a confident, clear-headed decision.

What’s the Average Cost of Braces in Canada?

Without insurance, braces in Canada typically cost between $3,000 and $10,000 depending on the type and treatment length.

Here’s a quick breakdown by type:

Type of BracesAverage Cost (CAD)
Metal Braces$3,000 – $7,000
Ceramic Braces$4,000 – $8,500
Invisalign (Clear)$4,500 – $10,000
Lingual Braces$8,000 – $10,000+

How Does Dental Insurance Work for Braces in Canada

Most dental insurance plans in Canada cover 50% of orthodontic treatment costs for children and sometimes adults, up to a lifetime maximum of $1,500 to $3,000.

Not all plans are created equal. You’ll want to check if your provider covers orthodontics, the lifetime maximum, and any waiting periods.

Include an infographic explaining “How Dental Insurance Covers Braces” — use icons like a shield for coverage, a clock for waiting period, and a piggy bank for lifetime maximum.

Are Adult Braces Covered by Insurance?

Some insurance plans cover adult braces, but many limit orthodontic benefits to dependents under 18.

If you’re over 18, double-check your policy or speak to your HR department. Some providers now offer adult coverage as orthodontic care becomes more common at all ages.

What’s the Cost of Braces With Insurance?

If your insurance covers 50%, your total cost may range from $1,500 to $5,000 depending on the type of braces and coverage limits.

Real-life example: If your child’s braces cost $6,000 and your insurance covers 50% up to $2,500, you’ll pay about $3,500 out of pocket.

What’s NOT Covered by Insurance?

Insurance typically doesn’t cover consultation fees, retainers, broken brackets, or extra visits.

You may also have to pay out of pocket for advanced 3D scans, extractions, or follow-up care once the braces come off.

Quote: “The sticker price is only part of the story. Always ask what’s included in the orthodontic package.” – Local orthodontist

How to Find Out if Your Insurance Covers Braces

Check your benefits booklet, call your insurance provider, or ask your orthodontist to submit a pre-approval request.

Use these questions when calling:

  • Is orthodontic treatment covered?
  • What’s the lifetime maximum?
  • Is there a waiting period?
  • Are adult braces included?

Is Invisalign Cheaper With Insurance?

Yes, if Invisalign is included in your orthodontic coverage, insurance can reduce your cost by 50% or more, just like metal braces.

However, not every insurer considers Invisalign “eligible treatment.” You might need prior authorization or proof it’s medically necessary.

Can You Use Payment Plans With Insurance?

Yes, many orthodontists offer monthly payment plans—even if you have insurance—to help make braces more affordable.

Ask about zero-interest or low-interest options. Some clinics let you combine payment plans with insurance for lower monthly costs.

Do Provincial Health Plans Cover Braces?

No, public healthcare like OHIP (Ontario), MSP (BC), or RAMQ (Quebec) doesn’t cover braces unless it’s medically necessary and done in a hospital.

Braces are considered elective and cosmetic, so they’re not covered by provincial plans. You’ll need private dental insurance or pay out of pocket.

What Are Some Ways to Save on Braces in Canada?

Here’s how you can trim the cost:

  • Use a Health Spending Account (HSA)
  • Ask for family or multi-child discounts
  • Check if your employer offers orthodontic coverage
  • Compare multiple clinics for quotes
  • Seek treatment at dental schools

What Should You Ask Before Getting Brace

Before committing, ask:

  • Is my insurance accepted?
  • What’s the full cost breakdown?
  • Are retainers included?
  • What happens if I miss an appointment?
  • Is follow-up care included after braces come off?

Key Takeaways:

  • Braces cost $3,000–$10,000 in Canada.
  • Insurance often covers 50%, up to $3,000.
  • Adult braces may not be covered.
  • Expect extra fees beyond the base cost.
  • Payment plans and HSAs can help reduce financial stress.

FAQ

Q: How long does orthodontic insurance coverage last? A: Most plans have a one-time lifetime maximum, not an annual limit. Once you hit it, no more orthodontic claims will be reimbursed.

Q: Can I switch insurance mid-treatment? A: Yes, but the new provider may not cover existing treatments. Always ask before switching.

Q: Can I get braces without insurance? A: Yes, but you’ll pay the full cost. Payment plans and discounts from dental schools can help.