When it comes to orthodontic treatment, many families feel as though it is completely out of reach, especially if multiple members of the family are in need of it. Often considered pricey and unattainable, families simply believe they can’t afford to outfit multiple members with braces, but that is not the case.
You work hard each day to provide for your family and you deserve a perfect smile too. More and more adults are realizing the importance of straight teeth and want to achieve that for themselves as well. That’s why orthodontists across the country are offering financing options for their services to make braces for the entire family possible.
There are a variety of payment options available to families. In addition to paying out-of-pocket, which is simply impossible in many cases, orthodontists now accept and offer:
- Payment plans
Braces can be possible for the whole family, even if you’re on a limited budget.
Some practices, like Charleston Orthodontic Specialists, offer flexible payment plans that work with a variety of budgets. Low down payments can help families get treatment started, and affordable monthly payments make paying for treatment more manageable. Payment plans allow treatment to fit into virtually any budget, and there are also extended payment plans available if you’re in need of a bit more time to complete payment for your treatment.
HSAs and FSAs
Health savings accounts (HSAs) are offered to people who have high deductible insurance plans to help offset higher out-of-pocket costs. The benefit of this type of account is the money you deposit in it is pre-tax and it does not disappear at the end of the year. An HSA is a great way to pay for braces or Invisalign if your insurance provider allows it because you can accumulate pre-tax dollars in it until you or your child needs orthodontic treatment, and you don’t have to worry about losing the funds at the end of the year or if you change jobs.
Flexible spending accounts (FSAs) are also funded with pre-tax dollars, and are generally made available to people who opt for insurance plans with standard deductibles. The money you deposit into an FSA has to be used by the end of the year, so if you think you may not spend it all on regular medical expenses by December 31st, using it to pay for orthodontic treatment is a good option.
Dental insurance is being accepted by many orthodontic practices as well. Various insurance carriers are even including orthodontic treatment coverage so many families can now afford it. This, of course, depends on the type of insurance and will vary by provider, but it is something many families are now looking into as a way to ensure the whole family can get treatment.
Your Financing Options
It’s important to do your research and find a reputable orthodontist who offers flexible financing options for various types of incomes. Achieving the perfect smile is possible, and now it’s made easier by many practices that understand the need for affordable treatment options. Find the best financing option for you and your family’s needs, and don’t write off treatment just because you think that you can’t afford it. A simply spectacular smile for your whole family is well within reach. Start by finding the right orthodontist who will help to develop the plan that works for you.
At Charleston Orthodontic Specialists, we offer low set pricing for our most popular treatments and a variety of payment plans, and we accept all major insurance coverage to bring orthodontic treatment within reach for many families. Call (843) 4-BRACES for more information today!