Orthodontic care plays an important role in correcting crooked teeth and bite problems, and is an important part of your child’s oral health. (And yours—adults can also benefit from orthodontic treatment!) But the cost of getting to that perfect smile’s enough to make you cry.
Here’s a guide to creating a braces budget and navigating the costs of orthodontic care.
Braces budget: the basics
Before we get into budgeting specifics, it’s essential to understand the basics of orthodontics. These treatments are designed to correct crooked teeth, bites, and jaw issues. Braces are a common approach, but there are also alternatives like clear aligners. The duration of treatment varies, but it can range from several months to a few years, depending on the severity of the issues.
Consultation and evaluation costs
When you go to see an orthodontist, the first thing they’ll do is a full exam. During this initial visit, the orthodontist assesses dental needs, goes over treatment options, and outlines the estimated costs. Some orthodontists offer free consultations, and some may charge a fee. It’s important to clarify any costs associated with this first step and factor them into your budget.
Treatment costs
The bulk of your braces budget will go toward the actual orthodontic treatment. This includes the cost of braces and any other therapies prescribed by the orthodontist. Prices vary based on the type of treatment, the complexity of the case, and the geographic location. Traditional metal braces are often more budget-friendly than alternatives like clear aligners, but preferences and specific dental needs will influence the final decision.
Payment plans and financing
Most orthodontic practices offer flexible payment plans to help their patients manage the costs of treatment. Ask about the available options, like monthly installments, and whether there are interest-free financing plans. Some orthodontists also work with third-party financing companies that specialize in healthcare payment plans, providing additional flexibility to make the most of your braces budget.
Insurance coverage
Before you finalize your braces budget, check your dental insurance policy to understand which orthodontic treatments it covers. Dental insurance often covers preventive care, like cleanings and X-rays, but orthodontic treatment may have separate coverage. Some plans cover a percentage of the treatment costs, up to a specified limit, while others may cover a fixed amount. Watch out for any waiting periods, exclusions, or pre-authorization requirements in your insurance policy to avoid surprises.
Additional costs
In addition to the primary treatment costs, consider potential additional expenses. These may include fees for emergency visits, adjustments, and sometimes the cost of post-treatment retainers. It’s a good idea to build in a buffer for unexpected expenses in your braces budget, to make sure you’re prepared for any unplanned costs.
Research and compare
Orthodontic treatment costs vary between providers, so it’s a good idea to research and compare different orthodontic practices. Asking for recommendations, reading reviews, and scheduling consultations with multiple orthodontists are all good ways to get a comprehensive understanding of each practice’s services offered and costs.
While cost is an important factor, it’s equally critical to choose a reputable orthodontist with a track record of successful treatments. (It doesn’t matter how cheap they are if they’re going to provide a poor quality of care that could result in bad outcomes and increased costs to correct.)
Braces budgeting tips
1. Start early
Try to start planning for orthodontic costs as far in advance as you can. That’ll give you more time to explore your options, research orthodontists, and save for the anticipated expenses.
2. Create a dedicated savings fund
Set up a separate orthodontic savings fund. This can be a high-yield savings account or any other financial instrument that provides easy access to funds for your braces budget.
3. Prioritize financial discussions
Include your child in age-appropriate discussions about the financial aspects of orthodontic treatment. It’s a great teachable moment for them to learn the value of both budgeting and investing in their oral health.
4. Use health savings accounts (HSAs) or flexible spending accounts (FSAs)
If you have these types of accounts, you can use them to cover eligible orthodontic expenses—with the added tax advantage.
5. Explore community resources
Some communities have programs or charitable organizations that provide financial assistance or discounts for orthodontic treatment. Research local resources that may offer support and see if you’re eligible.
