Orthodontic dental braces are expensive, but they should be considered as an investment that provides the dividend of a lifetime of healthy and attractive teeth. How expensive are braces? Of course, pricing can fluctuate between dental offices and locations. For example, rural orthodontists often charge less than their big city counterparts and more experienced dentists may charge more than those just starting out. Regardless, many people cannot pay the high out of pocket expense for braces in one single payment. So, what options are available?
Although most private healthcare plans do not cover orthodontic treatment for adults, some will cover such work for those who are under 18 years old. If you don’t have a dental plan at all, or it is insufficient to cover high costs, you can opt to purchase supplemental insurance that covers dental expenses. Medicaid also normally considers braces to be a medical necessity because they are used to treat dental abnormalities.
Most orthodontists offer payment plans for their patients. The common method is to pay half down and then make monthly or quarterly payments until the debt is settled, usually between 6 and 24 months.
Special accounts can be established which can be used to save for medical expenses such as braces. These accounts include Medical Savings Accounts (MSAs), Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs) and Financial Services Authority (FSA).
If you live in or near an area that has a university that provides orthodontic degree programs then you may be able to have braces applied by apprentices in training. Orthodontic apprentices are fully supervised by professional and experienced dentists, yet costs of services are usually reduced.
Braces are often necessary for correcting numerous dental issues that can end up producing a great deal of pain and discomfort as well as significant expense if not addressed. The various options available for paying for braces should make them accessible for most people and it is well worth looking into further.