If you’re a resident of St. Petersburg, FL with Allegiance insurance and considering braces, you might be wondering what your policy covers. Orthodontic treatment is a big investment—not just financially, but in your health and confidence. That’s why understanding your insurance coverage can help you make informed, budget-friendly decisions.
In this blog, we’ll walk through what Allegiance typically covers when it comes to braces, what factors influence that coverage, and how you can maximize your benefits as a St. Pete resident.
Does Allegiance Insurance Cover Braces?
Allegiance is a third-party administrator that offers employer-sponsored health benefits, and orthodontic coverage varies depending on the specific plan provided by your employer. While not all Allegiance plans include orthodontic benefits, many offer partial coverage—especially for children under 18. Some plans may also include adult orthodontic coverage, though this is less common.
To determine if your Allegiance plan covers braces:
- Review your plan’s Summary of Benefits or Evidence of Coverage.
- Check if orthodontic care is listed under dental coverage.
- Contact Allegiance directly or log in to your member portal for details.
What’s Typically Included in Orthodontic Coverage?
If your Allegiance plan includes orthodontic benefits, here’s what may be covered:
- Initial consultation and diagnostic records (X-rays, digital scans, etc.).
- Active orthodontic treatment, including metal or ceramic braces.
- Follow-up visits and adjustments.
- Some retention appliances like retainers after treatment.
However, keep in mind that most plans only cover a percentage of treatment—commonly 50%—and cap the total benefit amount (often around $1,000 to $2,000 per lifetime, per member).
Does Allegiance Cover Braces for Adults in St. Petersburg?
Coverage for adult braces depends on your specific Allegiance plan. Some dental policies are geared toward pediatric coverage only, but there are exceptions. If you’re an adult seeking orthodontic treatment in St. Petersburg, it’s worth checking if your employer-sponsored plan includes adult orthodontics. If not, flexible financing or health savings accounts (HSAs) can help bridge the gap.
How to Find Out What Your Allegiance Plan Covers
Understanding your plan is essential before starting treatment. Here’s how to confirm your coverage:
- Contact Allegiance: Speak with a representative about your orthodontic benefits.
- Check your benefits documents: Look for any mention of “orthodontics” or “braces” under dental coverage.
- Ask your orthodontic provider: Many practices, including those in St. Petersburg, will offer a complimentary benefits check.
Tips to Maximize Your Orthodontic Coverage
Want to make the most of your Allegiance benefits in St. Petersburg?
- Start with a free consultation to get a treatment plan and insurance estimate.
- Ask if pre-authorization is needed before beginning braces.
- Use your full orthodontic lifetime maximum—this is usually a “use it or lose it” benefit.
- Coordinate with a Health Savings Account (HSA) or Flexible Spending Account (FSA) if available.
How Much Will Braces Cost with Allegiance in St. Petersburg?
The total cost of braces in St. Petersburg typically ranges from $3,000 to $7,000, depending on the type of braces and treatment length. With Allegiance insurance, you may be able to reduce out-of-pocket costs by up to 50%, depending on your plan’s terms and lifetime max benefit. After insurance is applied, many patients still opt for monthly payment plans to keep things manageable.
What If I Don’t Have Orthodontic Coverage Through Allegiance?
Not all Allegiance plans include orthodontic benefits. If yours doesn’t, you still have options:
- Inquire about in-house financing with no-interest monthly plans.
- Use HSA or FSA funds to pay for treatment tax-free.
- Look for promotional offers or seasonal discounts at local practices.
Ready to Get Started with Braces in St. Petersburg?
If you have Allegiance insurance and you’re thinking about braces, it’s worth scheduling a free consultation to review your options. A local orthodontist can perform a benefits check, provide a custom treatment plan, and walk you through payment and insurance options.
At Imagine Orthodontic Studio in St. Petersburg, we’re committed to helping families make confident, affordable choices about their smile. Our experienced team works closely with Allegiance and other insurance providers to help patients get the most out of their benefits—whether for kids, teens, or adults.
Schedule your free consultation today and take the first step toward a healthier, more confident smile—right here in St. Petersburg.