Braces or Invisalign can make a big difference in a child’s oral health, function, and confidence. But orthodontic treatment is a significant investment — so it’s natural to ask: Is it covered by insurance?
The answer depends on your dental plan.
🧒 Orthodontic Coverage for Children in Canada
Many extended health and dental insurance plans include orthodontic coverage for dependents under 18. However, coverage usually comes with:
- A lifetime maximum (e.g., $1,500–$3,000)
- A co-pay (you pay a portion)
- A pre-authorization requirement before treatment begins
Check with your provider to confirm eligibility and how much of the cost they’ll reimburse.
🏥 Public Programs (Limited Support)
Programs like Healthy Smiles Ontario or the CDCP do not currently cover orthodontics except in cases of severe medical need. In those rare cases, additional documentation and specialist referrals are required.
💡 Budgeting Tips for Parents
- Ask your orthodontist for a payment plan (most offer monthly options)
- Submit a pre-treatment estimate to your insurer
- Keep receipts and track payments for tax or HSA/FSA reimbursement (if available)
Need Help Understanding Your Child’s Coverage?
We’ll work with your insurance provider and orthodontic specialist to get a clear picture of your costs — and make a treatment plan that works for your family.
👉 Book a consultation today and let’s take the first step toward a straighter smile.