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Same-Day Starts, Braces, and Consultations Available!

Your Top-Rated Orthodontist in
Charleston, SC, For Braces & Invisalign

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After discovering that you or your child needs braces, the immediate question may be: “How do I pay for them?” Braces are well-known for their expensive treatment plans. Of course, they are worth the price to fix serious dental and oral health issues, but you may still be worried.

Fortunately, braces are not as difficult to pay for as they used to be. Orthodontists work with patients to create a treatment plan that fits their situation. One way they do this is by helping patients use a health savings account or HSA to pay for braces.

Read on to learn the treatment expenses that are eligible for payment by HSA as well as other tips on how to pay for your braces.

Want to find out if you or your child needs braces? Visit Reese Orthodontics in Charleston, SC for leading orthodontic care.

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What is a Health Savings Account (HSA)?

Health Savings Accounts help patients pay for healthcare by putting aside money specifically for medical expenses. This can be done by a worker or their employer. Either way, HSAs provide long-term savings that never expire. They can be used for health-related expenses, as determined by your bank or your HR representative at work.

They are similar to FSAs (Flexible Spending Accounts), but those funds expire after a set time, usually by the end of the calendar year.

An HSA has rules for how the money can be spent. However, it is usually easy to apply funds in a Health Savings Account to expenses like new braces.

How to Use a Health Savings Account (HSA) to Pay for Braces

While you should always ask your employer, HR representative, and orthodontist about using HSA to pay for expenses, they can usually be used to pay for braces. Simply ask your orthodontist during your evaluation for the payment plans that you are eligible for.

The part of the cost that an HSA may cover is your out-of-pocket expense. You cannot use an HSA to pay for the part of the treatment covered by your dental insurance plan.

Even if you have established that HSAs are pre-tax savings accounts that can be used to mitigate the cost of braces, you may be wondering how much they can help.

How Much Will My Braces Cost?

Braces typically cost around $5,000 or $6,000. Sometimes, an HSA can cover your whole out-of-pocket treatment costs, but you would have to decide if that is the best use of this money. Some orthodontists may even offer a price cut if you are willing to pay for your treatment in full using these savings.

If you opt to pay for braces in staggered treatments, as most patients do, you will have to adjust your budget according to your schedule. In that case, you could set up an auto-draft from your HSA account and to your orthodontist’s office. Monthly payment plans are common in this case.

Just remember that an HSA account often contributes to other health expenses you may have, including vision and medical. These accounts, like savings accounts, can be over-drafted. If you pay for your braces with an HSA, make sure you do not incur fees by trying to pay for vision treatments with money you no longer have.

HSAs usually set an annual limit on how much can be drafted from them per year. Depending on how you are enrolled in the plan (as an individual or a family), your maximum amount may be different. If you opt for auto-draft payments, be sure that your schedule will not exceed your draft limit or empty your HSA.

Other Payment Options

If your HSA has certain payment restrictions that prevent you from using it to pay for your braces directly, you still may have other options.

For example, you can pay for your braces with a credit or debit card and then use your HSA money indirectly by transferring the money to your checking account later.

Be careful when doing this to keep digital receipts of all your transfers, since your bank or the IRS may ask for proof of these transactions.

As always, ask the administrator of your HSA plan about which payments are eligible before committing to a payment plan that involves your account.

Choose Reese Orthodontics

As an adult who is considering braces, it is important to seek your options on whether you can use a health savings account for braces or not. For orthodontic treatments in Charleston, SC, Reese Orthodontics offers the latest technology and treatment plans. Our advanced and comfortable orthodontic treatments can be customized to suit your needs. A consultation with Reese Orthodontics includes scans, a comprehensive exam, and a conversation with the orthodontist to discover which treatment options are right for you. 

Schedule an appointment with us today to stay ahead of your oral health and receive the best possible treatment in your area.

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Easy Ways To Get Started

If you want to learn more about our orthodontic practice - where we offer extensive experience with a Board Certified Orthodontist, where we offer a satisfaction guarantee, and where we offer flexible payment options - Reese Orthodontics is here to serve you.

"Dr. Reese and staff share an inviting personality with a clean and professional atmosphere. I am very happy with the service, the product and the final result. I would encourage any of my friends and family to consult with Dr. Reese around their Orthodontic needs."
- Austin H.
"It has been a great experience all around getting braces at Dr. Reese Orthodontics. It's a great office with wonderful and friendly staff. I am extremely happy with the results. Can't say enough good things about Dr. Reese and his staff. I highly recommend him!"
- Nicole S.
"Dr. Reese and his staff was referred to me by a friend, and I highly recommend them! They were friendly, professional, helpful and quick to respond. I could not be happier with the results of Invisalign. I wore them about 7 months and my teeth are as straight as can be. Thank you for the great care and results!"
- Dancy E.
"I chose the absolute perfect orthodontist to perfect my smile. Dr. Reese has a personality that calms you and removes the anxiety that may come with the process. Dr. Reese is a true artist. I am so excited with my new smile. Dr. Reese accomplished the goals I was looking for and I am forever grateful. Thank you Dr. Reese!!!"
- Melanie C.
"Just awesome! Dr. Reese is the one to go to. He knows what he's doing and is great at what he does. Makes you feel like family every time you go visit. I can't get over how great my smile looks now. Definitely recommended."
- Harsha P.
*The reviews listed are from actual patients of Reese Orthodontics.
Individual results may vary. Reviews are not claimed to represent results for everyone.
click here to read reese orthodontic reviews
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reese orthodontics west ashley sc

Our Charleston
Orthodontic Office

2057 Charlie Hall Blvd. STE D
Charleston, SC 29414


Office Hours:

Monday - Thursday: 8:00AM - 5:00PM

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Dr. Reese McElveen, our award-winning orthodontist in Charleston, South Carolina has transformed the smiles of over 11,000 patients. Reese Orthodontics offers the most advanced orthodontic care for children and adults. Types of braces and orthodontic treatment include metal braces, clear braces, gold braces, Invisalign, Invisalign Teen, Damon Braces, SureSmile. Dr. Reese can even help you achieve your confident smile faster with AcceleDent.

Call 843.573.7279 today to schedule your appointment with our board certified orthodontist in Charleston, SC, at our conveniently located Charleston orthodontic office. Come experience Reese Orthodontics and you will see for yourself that we offer innovative and effective orthodontic care in Charleston, Downtown Charleston, West Ashley, James Island, Mount Pleasant, North Charleston, Johns Island, Goose Creek, Hanahan and Ladson, South Carolina (SC).