OrthoCare: Costs, Coverage & Financing Options

All you need to know about costs, insurance coverage, and financing — explained clearly.

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Most private health insurance providers and supplemental dental plans cover a significant portion — or sometimes all — of orthodontic treatment costs, depending on your plan and provider. This applies regardless of age, making it a good option for adults as well.

Private Insurance – Good to Know

If you receive government aid (Beihilfe), orthodontic treatments for children are usually covered. For adults, only in special cases and in cases in combination with surgery

Private Insurance - Good to Know

If you receive government aid (Beihilfe), orthodontic treatments for children are usually covered. For adults, only in special cases and in cases in combination with surgery

Public Insurance (Statutory Health Insurance)

Public (statutory) insurance only covers orthodontic treatment if your child’s misalignment meets specific severity criteria defined by the KIG scale (3–5).

KIG Scale Classification

  • KIG 1–2: No coverage

  • KIG 3–5: Basic treatment covered by public insurance

Public Insurance - Note

Coverage applies only to children and adolescents under 18 and follows the principle of “adequate, appropriate, and cost-effective” care.
Aesthetic or comfort-oriented treatments can be added privately (self-pay).
ganzheitliche Kieferorthopädin Dr. Welker und zufriedener Patient, da dank CMD Therapie München Süd keine Kiefergelenkschmerzen und Tinnitus mehr vorhandne sind.
Kieferorthopädin kontrolliert den Behandlungsfortschritt bei einem Kontrolltermin feste Zahnspange Wolfratshausen bei einer Patientin mit fester Zahnspange bei komplexen Zahnfehlstellungen
Lady is happy about aligner therapy and shows her aligners.
Dr. Jilek zeigt die unterschiedlichen Zahnspangen für Jugendliche in Wolfratshausen anhand von Schaumodellen
How Does Coverage Differ?

Coverage Comparison: Public Insurance

  • Covers the basic, medically necessary treatment.
  • As a rule, 80% of the costs are covered immediately by your health insurer (90% for a second child in treatment).
  • Your 20% co-payment is paid by you upfront and reimbursed after successful completion of treatment.
Learn More

Coverage Comparison: Private Insurance

  • Often covers advanced treatments and materials.
  • Reimbursement depends on your tariff and policy details.
Learn More
Als Spezialist für Aligner erfolgt eine umfassende Behandlung über kiefergelenksorientierte Aligner München

Adults (Over 18 Years)

For adults, treatment costs are usually not covered by statutory health insurance — except in severe jaw misalignments requiring surgery. Clear aligners are never covered by public insurance.

Why Treatment Still Makes Sense:

  • Improved chewing function and reduced tooth wear
  • Harmonized bite can relieve headaches, neck/shoulder tension, tinnitus, and teeth grinding
  • Better quality of life with a confident, healthy smile

Flexible Payment Plans —
Simple & Transparent

To make your treatment manageable, we offer:
  • Monthly payments without interest
  • Convenient SEPA direct debit or manual transfers
  • Clear billing every quarter

Optional Treatments for More
Comfort & Aesthetics

Public insurance covers a basic standard of care. Modern materials and advanced methods—like ceramic brackets or digital planning—are considered optional.

Advanced Treatment Options

  • Digital 3D scanning and planning

  • Jaw joint measurements

  • Special cleaning and sealing

  • High-tech brackets and wire

  • Fixed retainers for long term stability

  • Tads and Supraconstructions

Benefits of Advanced Options

  • These options often provide enhanced treatment outcomes and patient experience.

  • Shorter treatment times

  • Greater comfort

  • More discreet results

Need More Information?

We’re here to answer your questions, review your insurance options, and help you plan your ideal treatment—at your own pace.

Schedule Consultation
  • Free consultation
  • See your 3D scan
  • No obligation

Your Digital Invoice Cloud

You ll receive all invoices digitally via our secure billing portal.
  • Easy access anytime
  • Notifications when new invoices are ready
  • Secure and private

Optional Treatments for More
Comfort & Aesthetics

When Insurance Doesn’t Cover Treatment
Many supplemental insurance policies for children and adults can cover costs if public insurance doesn’t pay.

Important Tip

If you’re considering supplemental insurance, it’s best to arrange it before your first appointment so treatment is included.

Our Support

We’ll help you prepare all documents for your insurer and provide comprehensive assistance.

Financing Options We Offer

  • Interest free financing
  • Flexible payment plans up to 36 months
  • Document preparation assistance
  • Clear cost estimates

Frequently Asked Questions

What to do if your statutory health insurance doesn't cover the costs?

Many supplemental dental insurance policies for children and adolescents cover the costs of orthodontic treatment if your health insurance doesn’t cover them.
To ensure complete transparency regarding cost coverage, we will provide you with a cost estimate, which you can submit to your supplemental insurance provider.

If you don’t have supplemental insurance or the costs aren’t covered by your supplemental insurance, you can still afford the treatment. We offer:
• Interest-free financing
• Flexible installment plans up to a maximum of 36 months
• Individual consultation regarding coverage by your insurance provider

What are additional (non-contractual) services?

Optional modern treatments and materials not covered by insurance, such as:
– 3D digital scans and planning
– Functional diagnostics (TMJ)
– Self-ligating or ceramic brackets
– Super-elastic wires
– Pins and abutments
– Sealing/cleanings
– Fixed retainers

Are they covered by supplementary insurance?

Often yes. Many supplementary plans reimburse part or all of the costs. We’ll help with documentation.

What if I don’t have supplementary insurance?

We offer interest-free monthly payment plans to make private services affordable.

Do all patients get the same quality care?

Yes. Whether you choose basic or additional options, we provide the same high-quality treatment.

How can I find out my treatment cost?

Book a non-binding consultation to receive a personalized treatment plan and cost overview.

More Answers