How much do braces cost?

How much do braces cost?

How much do cars cost? Big variability huh?
 
Short answer: The fee is based on the length of time and complexity of the treatment.

What you really want to know is how much your braces will cost. Get an orthodontic exam to find out. There really is no other way. Most orthodontic offices provide evaluations at no cost (we do) or charge a small fee if x-rays or impressions are taken.
There are community and regional differences in fees. Braces in Manhattan cost more than braces in Pittsburgh.

What may be more important is "How affordable are braces?" In other words, if a treatment plan is $4000 and one office wants a lump sum and another office agrees to accept $33 for ten years, for some people this can make the a huge difference in starting treatment. Affordability matters.

Most offices have policies in place about fees. Many will ask for a down payment and spread the balance over the treatment time. Don't be afraid to ask how flexible the office can be. Some offices use third parties for financing (with interest) others will create zero interest payment plans and finance the treatment through the office.

Some offices offer discounts for family members of current patients or for church members. Insurance can lower the out of pocket costs, however some plans have elimination periods before the benefit takes effect. Most insurance will only pay their portion over the course of treatment. The effect of both of these policies is to ensure that you don't get coverage for a short period of time but max out the benefit. Last week I talked to a mom who did the calculation and the additional premium for ortho coverage was roughly equal to the benefit (Hmmmm).

Huge $ savers are the HSA or FSA's, these plans, are funded pre-tax. Orthodontics is a qualifying medical expense (check your specific plan to make sure). So if you can pay with a flex, you get your tax rate as a discount. Wow! With proper planning the orthodontic office can maximize your benefits. Please be aware that proper planning does not mean calling your orthodontist the evening before or day that you have to make your election for the following year. We've had those calls and do what we can. By the way, we can often make use of the "use it or lose it" funds towards the end of the year.

Do you have a common question about orthodontics?