How To Beat The High Cost Of Braces

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How To Beat The High Cost Of Braces

• Getting braces for your children is one of the
  most challenging things about being a responsible
  parent. The fact of the matter is that
  orthodontic work is not cheap and unless you are
  financially prepared for it, you may face a
  problem that you aren't able to afford.
• There are a few things that you should be aware
  of before you go shopping for braces. Let's take
  a look at your options.

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1. Dental insurance does not cover orthodontic
care

• Most people are under the impression that if they
  own a dental insurance policy that they're
  automatically covered for braces, but this is far
  from the truth.
• The fact of the matter is that a standard dental
  insurance plan does not cover braces at all.

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2. Orthodontic insurance is sold as a completely
separate policy and, unfortunately, it doesn't
cover 100 of the costs either.

• The biggest drawbacks of buying an orthodontic
  policy are that the policy will only cover up to
  50 of the total costs of the work. That means
  that you'll pay the monthly premiums just like
  any other policy and you'll pay a co-pay each
  time you visit the dentist, just like any other
  policy, however, you'll only be insured for 50
  of the total cost of the braces.

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• The other bad news about these plans is that they
  also carry an annual limit. Most common annual
  limits are around 2,000 for an individual and
  4,000 for a family.
• This means that if the total cost of the braces
  is 3,000 your policy would only pay for 50 or
  1,500 and you'd be limited to a maximum of an
  additional 500 for the remainder of the year.

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3. Discount dental plans are a good option for
those in need of braces

• The only drawbacks to a discount plan are that
  you are limited to only seeing dentists within
  the network of the plan and you'll need to pay a
  fee to join.
• These can range from 20.00 per month up to
  around 200.00 per year for a family. It's
  generally less expensive to pay a year in advance
  for most plans.

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• Also, you may either be limited in your choice of
  dentists or be forced to travel if you live in a
  rural area.
• However, it would definitely be worth driving for
  an hour or two if you were going to save several
  hundred or thousand dollars.

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4. You may be able to find an orthodontist that
would be willing to finance your costs.

• This isn't very common, but there are dentists
  that do this so you may get lucky if you look
  around a bit.
• Some family dentistry clinics now offer
  financing, but they usually charge substantial
  interest and most require a down payment.

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