Cost shouldn't have to be a barrier to receiving orthodontic treatment. Here are some ideas to help you plan for the cost of orthodontic treatment.
Paying for Orthodontic Treatment
If possible, it's best to begin planning the cost of your orthodontic treatment a few years before when you need it.
Like planning any significant expense, planning ahead for dental and orthodontic treatment can help alleviate financial worries.
Confirm Diagnosis & Prioritize Treatments
After an orthodontist examines your or your child's mouth, you will be able to ask questions and address concerns like:
- The orthodontic issue that requires treated
- The severity and extent of the issue
- Which treatment option to recommend
- The duration of the child’s treatment
- When the issue(s) should be treated
- Which issue(s) is/are critical or priority
Ask an orthodontist about your treatment plan and be open about financial concerns. They may have advice and options for you, including identifying the highest priority aspects of your treatment.
Dental insurance policies generally say whether orthodontic treatment is covered. In some cases, insurers may pay a significant portion of the cost. Questions you may want to ask your insurance provider includes:
- Who is covered on my plan?
- What will be completely covered and what is partially covered?
- What treatments have I received so far this year?
- How can I receive discounts on dental care?
Dental Savings Plans
Do you have a bare-bones insurance plan? A dental savings plan may work for you. You may an annual fee and receive a price break from orthodontists who accept the plan.
Read the fine print on these policies, since they can differ from one another. Confirm that your orthodontist is part of the network too.
Payment Plans or Financing Options
While your orthodontist may not budge on the cost of treatment, they might be able to come up with a payment plan for you—such as monthly payments.
Some orthodontists partner with companies that offer interest-free payment plans. See if this is true for your orthodontist. Make sure to review your written contract carefully.
Cash Discounts & Payment
Does your orthodontist accept multiple payment options? One or a combination of these may work for you:
- Credit Card
If you don't need a payment plan and are able to pay upfront, does that affect the final price?
Look Into Loans
Can your credit union or bank offer you a loan for your treatment? Compare the cost of borrowing and other options.
The Importance of Early Treatment
While there may be some concerns about the cost of braces or other treatment options, the earlier the issue can be treated, the better for the patient's health (and the treatment's cost). The longer serious orthodontic issues aren't treated, the more they can impact your budget and quality of life.
Are you looking for more information on how to save money on your orthodontic treatment?
An orthodontist will be able to answer any of your questions. Find an orthodontist to get started.