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What Are the Options for Financing Braces?

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With the cost of braces ranging from $3,000-$10,000, you may not be prepared to cover the expense of orthodontic care out of pocket. Fortunately, there are several financing options that can help you set up a payment plan or curb the cost of treatment so that you or your child may enjoy a healthier, more beautiful smile for years to come. Keep reading to discover the ways you might pay for braces with more manageable costs.

 

Insurance coverage

As you discuss braces for your child with an orthodontist, you might look at your dental or health insurance plan to see if it will cover some of the cost. Most insurance plans only offer about 50% of the total treatment cost for patients under the age of 18 with no coverage available for adults. Still, this can make a big difference when you are trying to pay for your child’s dental care.

 

Tax deductions

There are tax deductions available for braces when they are considered medically necessary. You do have to exceed a certain amount before you can make any deductions, but the costs of insurance copays, checkups, and other smaller expenses associated with braces may be included in the expenses you deduct on your tax return.

 

In-office payment plans

Many orthodontists will offer payment plans through their offices using programs like CareCredit or the Citi Health Card, which will allow you to make payments in installments with an interest rate around 12%. In some cases, you might be able to find more affordable care with a lower overall cost through university dental or orthodontic schools, which offer services from physicians in training supervised by more experienced orthodontists.

 

If you or your child is in need of orthodontic care, you should not let the cost of treatment hold you back. With the right planning and payment options, you can get the care you need on your budget.

 

 

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