Dental Braces Financing Options: Affordable Orthodontic Treatment

Dental braces can significantly improve the alignment and appearance of your teeth. However, the cost of braces can be a major concern for many individuals and families. Fortunately, there are several financing options available to make orthodontic treatment more affordable.

Average cost of dental braces

The cost of dental braces can vary widely depending on various factors such as the type of braces and the complexity of your orthodontic case. The following are the average costs for various types of braces.

  • Metal braces: These are the traditional braces made of metal brackets and wires. They are generally the most affordable option. The cost can range from $3,000 to $7,000.
  • Ceramic braces: These braces are less noticeable than metal braces as they blend in with the teeth. Ceramic braces are generally more expensive than metal braces and may cost between $4,000 to $8,000.
  • Lingual braces: Lingual braces are similar to traditional metal braces but are placed on the backside of the teeth, making them less visible. These braces tend to be more costly, ranging from $8,000 to $10,000 or more.
  • Invisalign (Clear aligners): Invisalign is a popular clear aligner system that uses a series of removable, transparent trays to straighten teeth. The cost for Invisalign treatment can vary, but it is typically in the range of $3,000 to $8,000.

To get an accurate quote, setup a consultation with a qualified orthodontist near you.

Dental braces financing options

The following are some of the most popular financing options to make dental braces more affordable.

  1. Dental Insurance: Begin by reviewing your dental insurance policy to determine if braces are covered. Some dental insurance plans may provide partial or full coverage for orthodontic treatment, particularly for children. However, coverage may have limitations, waiting periods, or specific criteria that must be met.
  2. Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): If you have an FSA or HSA through your employer or independently, you can allocate pre-tax dollars toward orthodontic treatment expenses. Contributions to these accounts can be used to cover the cost of braces, reducing your out-of-pocket expenses and potentially saving you money.
  3. Monthly Payment Plans: Many orthodontic practices offer flexible monthly payment plans to help patients manage the cost of braces. With a monthly payment plan, you can spread out the total treatment cost over a period of time, typically without incurring interest charges.
  4. Orthodontic Financing: Some orthodontic practices partner with third-party financing companies that specialize in healthcare financing. These companies offer affordable installment plans specifically tailored to orthodontic treatment. They often provide low or no-interest financing options and flexible repayment terms, allowing you to make manageable monthly payments over a designated period.
  5. Discounts & Special Offers: Keep an eye out for discounts or special offers provided by your orthodontist. They may offer promotions or incentives for new patients or specific treatment plans, which can help reduce the overall cost of braces.
  6. Medical Credit Cards: Healthcare credit cards, such as CareCredit, can be used for various medical and dental expenses, including orthodontic treatment. They typically offer special financing options, such as interest-free periods or low-interest extended payment plans. The cards allow you to pay for the entire treatment cost upfront and then make convenient monthly payments based on the agreed terms.
  7. Orthodontic Scholarships or Grants: Certain organizations, charities, or foundations offer scholarships or grants specifically for orthodontic treatment. These financial assistance programs aim to help individuals who may not have the means to afford braces. Research local or national orthodontic scholarship opportunities and consider applying if you meet the eligibility criteria.
  8. Direct Payment & Negotiation: In some cases, orthodontic practices may offer a discount for patients who pay the full treatment cost upfront. If you have the financial means to make a lump-sum payment, inquire about any potential discounts.

The cost of dental braces should not deter you from seeking orthodontic treatment. Speak with your dentist and financial advisor to find the best financing option that is right for you.

Content written by Emily Wagner, MS |Reviewed by Greg Grillo, DDS | Last updated 6/3/2023

Article Sources

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