Orthodontic Care for Adults – How to Pay for Braces
It’s every person’s wish to have a perfect set of aligned teeth. This enhances their facial appearance and enables them to smile with confidence. The problem is bracing in adults is a costly venture. However, all hope is not lost as there are platforms established to offer financial benefits for orthodontic treatments in adults. The following are affordable offers to solve your financial worries and pay for braces easily.
For years, dental covers were only available through the employer, but now insurance companies offer the same. It is not all insurances that cater to adult orthodontic services; in fact, very few companies cater to this. Most companies give a 50% payment offer to their clients. Dental Care USA PAA48 is one of the few companies that offer orthodontic treatment for adults. The annual premium is $105 and an expense of 24 months is $2500. This is half the normal price. To get this offer so as to pay for braces, you must choose a doctor who partners with Delta Dental.
Employer sponsored insurance
A majority of employers offer dental covers to their employees. Not all plans cater for orthodontic treatment, and If they do, it is mostly for children. On the other hand, some employees offer orthodontic treatment insurance in their dental covers. Some are very specific on the type of braces they cover. If as an employee, you are uncertain about the plan, consult the Human Resource. The insurance can be annually or provide a lifetime cover. It is also important to understand after working for how long can the company insure your orthodontic treatment. It would help if you worked with an orthodontist that is within the company’s network. Under this, you can also consider placing the maximum amount provided by the employer’s insurance into flexible spending accounts. This category of income is not taxed and is a way of saving money to cater for costs not covered by insurance such as orthodontic treatment.
Dental saving plans
It is also known as discount plans. It is not a part of the dental insurance package, but it allows you to get dental services at a subsidized price. The discounts given are by a dentist’s program, which is becoming quite popular. Such services are common to procedures such as orthodontia and cosmetic surgery that are pricey. Careington Care 500 Plan is one of the programs that offer a 20% discount. As a member of this program, you pay a $30 processing fee and $75 annual fee. It is a good alternative if you have exhausted your yearly and maximum covers, or if your dental insurance has no orthodontic cover.
Opt for traditional braces
Traditional/ metal braces are always a cheaper alternative compared to lingual braces or invisible braces. They are still effective in their end goal. It consists of a variety of designs, tooth-colored ceramic, gold-colored or stainless steel. They require adjustments after 6 weeks, and the price ranges from $3000- $5000.
Search for suitable dental plans
This is searching for the best plans that are within your budget range. Dental plans contain different limitations, waiting periods, costs and discounts. These plans consist of different dentists; it is preferable that you find one that has a dentist in your locality. If you find a plan that meets your needs but has no dentist in your locality, you can talk to one of them asking if they can join the program. Organizations such as Dental Plans have over 40 discount plans that help you compare annual fees, dentist networks and discounts. National Association of Dental Plans is also a good platform to search for group/ individual discounts.
Instead of a clinic, you can visit a dentist school for treatment. Most states have an open forum to take in patients on particular days. This is a form of students practical. Students offer treatments to the patients under the supervision of a specialist as part of their learning process. To find a dentist school open for such an opportunity, you can check with the Commission on Dental Accreditation. It is always considered a cheaper alternative. It is only a small amount of payment needed to cater for the costs of equipment and materials used.
Loans and credit cards
You can also talk to your bank to offer you a loan to cater for the cost of your treatment. This is a good and fast way to acquire finances, but the disadvantage to it is the high interest rates offered by the banks. You can also use your credit cards for the treatments offered, then pay them off in 1-2 years.
The cost of orthodontic treatment should never be a hindrance to enjoy the feeling of having a perfect set of teeth. As the saying goes, where there is a will, there is a way. If you want to undergo orthodontic treatment, nothing should stop you to pay for braces. You can explore any of these financial options for a successful outcome.
Schedule an Appointment