We all know that a straighter smile requires a sizable financial commitment. The question you eventually ask is, “does insurance cover braces?” Luckily, we’re here to inform you that insurance coverage, as well as financing, remain viable options for you during your treatment. Read on to learn about the cost of braces and how you can use insurance plans at Reese Orthodontics to mitigate these costs.
Want to find out if you or your child needs braces? Visit Reese Orthodontics in Charleston, SC for leading orthodontic care.
Breaking Down the Cost of Braces
The average cost of braces cannot be easily calculated without knowing your region, the type of braces, and your treatment needs. These variables can change the cost of your treatment in the long run by thousands of dollars. However, by casting a very broad net, we estimate that braces, including metal, ceramic, and invisible braces, will cost between $5,000 and $7,000.
Without dental insurance, this can seem like a huge setback. Here’s how insurance coverage can help you mitigate these costs:
Dental Insurance for Braces
The Affordable Care Act doesn’t require dental insurance coverage for all employees. This is largely because many dental procedures are non-essential cosmetic procedures such as whitening, veneers, and other changes in appearance. For braces or Invisalign treatments for medical reasons such as bite correction, speech therapy, or other oral hygiene issues, dental insurance plans often offer partial coverage.
Even when alternative treatments like Invisalign are not specifically covered, some plans will still contribute to your treatment. Medicaid also presents unique issues when considering insurance coverage for braces treatment. Talk with your provider to find out if you meet their conditions for full or partial coverage, as well as the lifetime maximum coverage you can expect to have.
Does Reese Orthodontics Accept Dental Insurance?
Reese Orthodontics offers various payment options. Our first focus is the expert patient care and affordable treatment. This is why Reese Orthodontics accepts all major insurances. We also offer 0% financing even if the insurance plan doesn’t cover the whole balance.
Manageable payments can be secured through payment plans, some of which only require $250-500 down and $150 per month. Dental insurance plans also set waiting periods before they will cover certain procedures, as well as an lifetime cap on your coverage.
Payment Options for Patients
If you’ve talked with your insurance provider and know your coverage, and would like to begin treatment, you may be wondering about your payment options. Thankfully, you can pay for you and your child’s braces in several ways:
- Credit cards and personal loans remain the primary method of payment for orthodontic treatments. Talk with your orthodontist about potentially receiving a discounted treatment plan by paying a certain amount upfront.
- Flexible Savings Accounts can offer reimbursement through your health insurance coverage. If your employer offers these accounts, you may be able to set money aside towards your Flexible Savings so that the money you spend on your treatment becomes tax-free.
- Health Savings Accounts can help those with insurance plans that have high deductibles. Investments in an HSA can go towards your medical bills, including orthodontic treatments.
- Payment plans starting from just $150 per month may be offered by your orthodontist in-office. Ask if you’re eligible, as well as whether the plans are interest-free.
Choose Reese Orthodontics
Reese Orthodontics offers the latest technology and treatment options for those seeking orthodontic care in Charleston, SC. Your oral health should never be put on hold due to cost, and we work to provide the most flexible payment options available to you. We’re proud to offer payment plans, financing, and insurance coverage for you or your child’s braces. Visit us for family orthodontics in Charleston, SC – we can’t wait to meet you!