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Cost of Orthodontics: Is it worth it?

cost of braces
The cost of orthodontics can be quite intimidating, often ranging anywhere from $3,000-$7,000. With the addition of the monetary expense, over the course of two years (the typical treatment period for treatment), there are also costs associated with your time, comfort and confidence. However, most find the benefits to far outweigh those costs!

 

Benefits Outweigh the Cost of Braces

Straighter teeth are easier to care for and clean. Crooked teeth, missing teeth, or irregular bites often result in decreased self-confidence and may carry social stigmas. In more severe instances, chronic oral problems may also lead to bigger overall health issues. Orthodontics can affect your quality of life, and just how much is that worth to you!?
Let’s look at some ways to plan for covering the cost of braces when the time comes.

 

Health/Dental Insurance

Everyone’s health and dental coverage will be different depending on the provider and plan. Many plans won’t cover orthodontic treatment for people over 18 years old but perhaps offer some coverage for kids under 18. If deemed medically necessary, braces may be covered by some plans no matter what age. Look into what percentage your plan will cover and the lifetime maximum amount. If possible, stick with the same insurance plan throughout treatment to avoid any ‘pre-existing’ condition disputes.

If dental insurance isn’t an option, look for a dental discount program that offers 10-20% savings on braces.

 

Tax-Deductions

If your insurance does not cover braces, or if the braces are deemed medically necessary, you may be able to receive a tax-deduction. Be sure to track all expenses including co-pays and check-ups. For more information check out http://www.irs.gov/taxtopics/tc502.html.

 

Flexible Spending Accounts

If your employer offers this benefit, take advantage of it and push the maximum amount allowed into your flexible spending account (FSA). The money you put in the account is not taxed, meaning your dollars will go further on expenses not covered by insurance, including the cost of the braces, deductibles, and co-pays.

 

Orthodontic Payment Plans

Don’t forget that your orthodontist is a great place to start when considering financial help. Many orthodontists offer payment options or financing plans. Be sure to talk to your orthodontist and compare that to your other options.

The cost of braces is real, but so are the amazing benefits! For more information, or if you need help to determine what your cost will be, talk to your orthodontist. Goldberg Orthodontics is no different. Reach out to us at any time for a free consultation!

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