Are Braces Covered Under Canadian Health Plans?

Getting braces is often more than just a cosmetic decision; it is about health, confidence, and long-term oral wellness. Whether you are a teenager struggling with crooked teeth or an adult finally ready to invest in your smile, orthodontic treatment has become an important part of many Canadian families’ healthcare journey. But here is the catch: as soon as that first consultation ends, one big question hits: “Will my insurance cover this?”

Between confusing terms, complicated insurance fine print, and the rise of new government initiatives, it’s tough to figure out what’s actually covered under orthodontic insurance in Canada and what’s not. Some assume braces fall under routine dental care. Others hope public health insurance will help.

This blog will take you into the realities of braces coverage in Canada, exploring what’s included in OHIP, what the CDCP does and doesn’t offer, and how private dental insurance in Canada or affordable payment plans can help bridge the gap. Whether you're a parent planning ahead for your child or an adult considering treatment for yourself, this guide will help you navigate the landscape of insurance for braces.

Understanding Public Coverage

When it comes to orthodontic treatment like braces, many Canadians naturally wonder whether government healthcare plans can help offset the cost. The truth is, public coverage for braces is quite limited and largely depends on your province and financial situation.

Does OHIP Cover Braces

Let’s start with Ontario’s provincial plan, OHIP (Ontario Health Insurance Plan). If you’re asking yourself, “Does OHIP cover braces?”, the straightforward answer is no, unless it’s an extreme medical emergency that requires hospital care. Routine orthodontic procedures, such as getting traditional braces or clear aligners, are not included under OHIP or most provincial health plans.

Even programs designed to help specific populations, like Healthy Smiles Ontario or the Ontario Seniors Dental Care Program , do not cover orthodontic work. Their focus is on basic and preventive dental care, things like checkups, fillings, cleanings, and extractions, not cosmetic or elective procedures like braces.

What about the Canadian Dental Care Plan (CDCP)

Now, here’s where it gets interesting. In late 2023, the Canadian government introduced the Canadian Dental Care Plan (CDCP), a nationwide initiative designed to help uninsured Canadians access affordable dental care. The plan is being gradually rolled out from December 2023 through 2025, prioritizing those with family incomes below $90,000/year and no access to private dental insurance. So, the CDCP does cover braces, but only in very specific cases.

According to the Government of Canada’s official guidelines, orthodontic services have been made accessible, but they are not open to everyone. Coverage will apply only if the braces are medically necessary, for example, in cases of severe malocclusion, jaw misalignment, or craniofacial abnormalities. Cosmetic reasons (like wanting straighter teeth for aesthetic purposes) are not covered under the plan.

To qualify for this type of orthodontic care under the CDCP:

• You’ll need a professional dental assessment.
• Your case must meet the plan’s strict clinical criteria.
• Pre-authorization will be required before starting treatment.
• Annual spending limits will apply.

What about the Cost?

If you qualify for CDCP coverage, your out-of-pocket costs will depend on your family’s income:

• Under $70,000 → 0% co-payment (fully covered)
• $70,000–$79,999 → 40% co-payment
• $80,000–$89,999 → 60% co-payment

Private Dental Insurance in Canada

When public dental plans fall short, private dental insurance in Canada is the go‑to solution for most families aiming to cover orthodontic treatments like braces. While employer-sponsored or individual plans can significantly reduce costs, it's important to understand how they work and their limitations.

Here’s what you need to know:

• Most plans cover 50% to 80% of orthodontic costs, but this depends on your specific policy.
• Typically, dental plans impose a lifetime maximum of around $1,500 to $3,000 per individual, after which you’re responsible for any additional costs.
• Expect to wait before accessing orthodontic benefits.
• Many policies prioritise orthodontic coverage for children and teens. Adult coverage is available, but it may require higher premiums or specialized plans.
• Before starting treatment, you’ll often need pre-authorization, a formal OK from your insurer, to confirm eligibility and coverage limits.

Types of Appliances Covered

• Metal Braces: Most commonly covered.
• Ceramic or Lingual Braces: May have partial or no coverage.
• Clear Aligners: Coverage varies, considered cosmetic by some providers.

For individuals with a disability, some extended health or long-term disability plans may offer additional support or funding for medically necessary dental work, including orthodontics. However, whether braces are covered under disability depends entirely on the provider and conditions.

Cost of Braces with Insurance

Have a look at the cost of braces with and without insurance:

Tips to Maximize Your Dental Benefits for Braces

Getting orthodontic treatment is a significant investment, but the good news is that with a little planning, you can make the most out of your dental insurance and reduce your out-of-pocket costs. Whether you're using employer-sponsored insurance or an individual plan, here are some smart ways to stretch your dental benefits for braces:

• Get a pre-treatment estimate to know how much insurance will pay.
• Look for plans with higher orthodontic limits and lower co-pays.
• If you're self-employed, consider health spending accounts (HSAs) for tax-free orthodontic payments.
• Ask if your provider directly bills your insurance, as it simplifies the process.

How ALIGNERCO Helps You Smile without Stress

Getting braces shouldn’t be a financial burden, and with ALIGNERCO, it doesn’t have to be. As one of the most affordable and accessible clear aligner providers in Canada, ALIGNERCO is helping thousands of people achieve the smile they’ve always wanted, without the stress of traditional orthodontics.

Braces Payment Plans in Canada by ALIGNERCO

ALIGNERCO understands that cost can be a concern, which is why we have introduced flexible payment plans designed according to your needs. The following are the braces payment plans in Canada offered by ALIGNERCO:

Pay-In-Full (SmileAdvantage)

If you’re ready to commit, you can pay the full amount upfront, around CA$ 1120, and be done with it. No extra fees, and you’ll get everything from your impression kit to your first set of retainers included.

No Credit Check Option (SmileFlex Easy)

Not a fan of credit checks? No worries. With SmileFlex Easy, you pay a small down payment and then monthly payments starting from CA$ 134.

So…How Insurance for Braces Cuts the Price

Navigating braces coverage in Canada can feel overwhelming, especially with all the different insurance plans, government programs, and orthodontic options out there. But the good news is: you’re not alone, and you do have choices. From understanding what OHIP and the CDCP actually cover, to exploring your private dental insurance benefits, and even considering affordable providers like ALIGNERCO, there’s a path forward no matter your situation.

While public programs may offer limited support and private insurance plans often come with caps and conditions, companies like ALIGNERCO are stepping in to make insurance for braces feel less intimidating—and much more budget-friendly. Whether you pay upfront or choose a flexible monthly plan, you can get the treatment you need without breaking the bank.

So, whether you’re planning for your child’s future or finally prioritizing your own smile, take the time to understand your coverage, ask questions, and explore all available options. Your confident, healthier smile is worth it.