Having a child with braces can be an expensive proposition. Approximately 3.9 million children in the U.S. are orthodontic patients. Those with insurance coverage for orthodontics may pay very little for the process, especially if their child is still young. But many parents find that they are on their own regarding covering the cost of braces. However, there are ways to cut the expense of your orthodontic treatment. Here are some ways to handle braces as a parent on a budget.
Know Your Insurance
Know what your insurance covers. Many dental plans include some coverage for orthodontic treatment, but more is needed to cover the total cost of treatment. If your plan consists of a cap on orthodontic benefits, make sure you know how much it is before you begin treatment. Ask about payment plans. Most orthodontists offer flexible payment plans that spread out the payments over several months or years. They may have no interest or penalties, so you can pay off your treatment without breaking the bank.
Research Thoroughly
Don’t go with the first option. Get another opinion if your current dentist’s estimate seems high compared to other providers’ estimates. Be sure to ask what kind of work will be needed before making any decisions about treatment options. Sometimes dentists recommend more extensive treatments than are necessary to justify charging higher fees upfront. You should also share the financial burden. Custodial parents spend 277 days out of the year with their children. If the other parent can contribute to the finances, that could take some weight off. Maybe grandparents can chip in as well.
Compare Prices
Shop around for the best price. Find out what different orthodontists charge for braces and treatment. You can easily search online or ask friends and family members who have had braces recently about their experience. Compare costs with other insurance plans. Ask your insurance provider whether they offer discounts or special orthodontics plans. If so, see if there are any out-of-network providers nearby that offer lower prices than in-network providers do. Some dentists and orthodontists accept cash only from patients without insurance coverage or coverage that doesn’t cover all the treatment costs. This means you won’t have to pay upfront and wait until your child has completed treatment before getting reimbursed by your insurer.
Ask About Discounts
Consider getting a family discount. Many dentists offer discounts for multiple children in one family who need treatment simultaneously. This could save you hundreds of dollars on various appointments for several years. Ask your dentist about this option when scheduling your first appointment for your child’s orthodontic workup. Some employers or school districts offer assistance programs that cover the costs associated with orthodontic treatment for children who need it. These programs may also cover other services like glasses and hearing aids, so it’s worth checking into, even if you don’t think it applies directly to braces! Check with your benefits human resources department to see if this is an option.
Take Your Time
Don’t rush into anything. Take the time to find out what options are available and what each option costs. If your child needs braces, there are several types, including traditional metal and clear plastic aligners that can be worn for months or years. You will know which is suitable for your child once you’ve talked with the doctor.
Around age seven, many orthodontists recommend that children see an orthodontist once their permanent teeth come in. While it’s tempting to avoid braces for your child, remember that these can make a big difference in your child’s development and their ability to chew, speak, and smile properly. The key is to find a reputable, experienced orthodontist who will only try to sell you expensive treatments or treatments that are needed. With some research and preparation, everyone involved will be happier with the results.
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