5 Forms of Payment That Make Orthodontics Affordable
If you are worried about your orthodontic treatments, you need not be affordable; you are not alone.
Unfortunately, there are many orthodontists and dentists that overcharge for their services, making it near impossible for people to get the things they need to make their mouths healthy and in the best shape possible.
If you’re searching for an orthodontist in Robbinsville, NJ, that is affordable and offers flexible payments, look no further than Bordentown Braces.
This guide will cover all the forms of payment we offer that make orthodontics more affordable. We want to help all our patients, and we ensure that we can offer you an affordable way to pay for the orthodontic treatments that you or your family may need.
Insurance
Dental insurance is not available to everyone, but many jobs and companies offer their workers insurance that includes dental and orthodontic treatments. Not all policies will cover things like braces, though.
Make sure to check your policy or call your insurance provider to see if it covers braces or not. You should also check with them to see which orthodontic treatments they cover and which ones you will need to pay for on your own.
Payment Plans
One of the best ways that orthodontists make treatments more affordable is by offering payment plans.
These payment plans are often available to patients who do not have insurance since paying the total amount of braces out of pocket is near impossible for most people.
Clinics that offer payment plans usually partner with companies that allow them to offer different payment plans. These payment plans are better than traditional financing because they lower interest or no interest. You will usually make a monthly payment, and the amount will be paid off in one to two years.
These payment plans are one of the best ways to pay for braces, especially if you have more than one person in the family that needs braces, as trying to put multiple family members in braces all at one time is extremely costly.
Certain dentists offer a discount if you can pay for the braces in cash all at one time. If you have the funds available for this, it might be a good idea to pay all at one time since you will receive a discount.
If you choose to take the payment plan, you only need to make the minimum payment every month, much like you would when paying off a loan or credit card.
Dental Plans
Dental plans are not the same thing as insurance plans. A dental plan allows you to receive a discount on treatments in exchange for paying a monthly fee. You can then use dentists and orthodontists that are part of a certain network, and they will offer you their services at a discount.
Make sure to read the fine print, though. Most dental plans require you to be a member for a certain amount of time and have paid a certain amount of months before they allow you to start taking advantage of their discounts.
Credit Cards
Most dental offices take all major credit cards. If you need a service or treatment, you can use your credit card to pay for it and then pay it back when you have the money. Most credit card companies will give you a certain limit, though, so you might not be able to pay for the whole treatment on the credit card, depending on your limit.
If you plan to use your credit card to pay for treatment, make sure you can make the minimum payment each month. You also want to choose a credit card with a low-interest rate.
Government Programs
There are certain government programs that are offered to people with low income that might cover certain orthodontic treatments that are deemed medically necessary. You will need to check if you qualify for Medicaid, though, and you need to ensure you meet all the financial guidelines.
Most dental offices accept Medicaid but make sure you call ahead of time and ask just to make sure.
Insurance Coverage and Down Payments
Whether you have insurance or not, you will need to make a down payment for your orthodontic treatments. If you have insurance, they will reimburse you for the down payment, but self-pay patients will need to make sure they have the funds available to make the down payment.
Most dental clinics require you to pay a 20% down payment of the total cost. You can then have orthodontics that is affordable by paying the remaining amount in monthly payments.
Some clinics also allow you to pay in installments. So, every few months after you have received a certain number of treatments, you will make a payment. Before getting braces or any other orthodontic treatment, the office staff will go over with you when payments are due and what to expect in terms of paying, so you are never in the dark.
Down Payments and Paying Over Time
The best way to afford braces and other orthodontic treatments is to make a down payment and then pay the rest over time. Much like a house or car, the bigger the down payment you make, the lower your monthly payments will be.
Try to make as large of a down payment as you can and then make all your minimum monthly payments on time. You can also ask if you can pay the remaining balance off early if you can afford to do so.
Final Thoughts
Orthodontic treatments are expensive, but they don’t need to be out of reach. There are many different ways you can pay for braces and other treatments you might need. Make sure you check with your insurance company and government programs to see if there are any options for you.
You can also take advantage of payment plans, where you make small payments every month. For more financing options, call Bordentown Braces today at 609-291-8555. Or visit our contact page for more choices in communication.
Looking for braces or Invisalign? Looking for an board certified Orthodontist in Central NJ that treats kids, teens and adults? Bordentown Braces serves all surrounding areas of Bordentown, NJ including:
