How To Pay For Braces

Financial Strategy

When you are considering getting them, you might be confused how you will cover all the costs at first. There are several different ways to finance your orthodontics. Each clinic offers various methods to cover payments and other financial aspects. Clinics and companies are aware that this investment is not cheap, which is why they are understanding and willing to work with you in order to find a suitable solution. Regardless of how expensive your oral treatment might be, or how many members of your family are getting treated, there is always a way and this article will inform you how.

Payment Plan

One of the most commonly used methods are payment plans. Almost all clinics offer this option to their patients. This type of plan is no different to installment plans that you would get anywhere else. You will basically be paying for your treatment in small chunks over a period of 1 – 1.5 years. This provides you with the option of paying smaller monthly payments instead of one large lump sum payment upfront. If you are going through with this payment method, you will be required to make a downpayment for your braces at the start followed by a set monthly payment. If you are capable of paying everything upfront, your clinic might reduce the price and provide you with a discount. Be sure to ask your orthodontic clinic about everything related to the financial aspect.

For most clinics, they usually ask for 30-40% upfront in the form of a downpayment for your braces. Most people pay somewhere between 1,000 -1,500$ upfront and then  follow  a 100-150$ payment on a monthly basis afterwards. More often than not, there are no interest fees as a part of these payment plans.


This is an option that almost everyone should explore. Regardless of what state/province you live in, insurance companies have dealt with orthodontics at one point or another. That is why it is essential that you ask your health coverage provider what policies and programs they offer with relation to orthodontics. It will be very hard to find a company that covers 100% of your costs, but many will cover a significant percentage of it. Many companies will cover 50% of how much you will be paying. That’s why it is very essential to contact your health insurance provider and enquire about all the options available to you. This could end up saving you thousands of dollars.

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