Whether you are looking into your braces or your child has been referred to an orthodontist, you may be worried about upcoming expenses, especially if you don’t have dental insurance covering the cost of braces. Getting braces or other orthodontic treatments can often be a multi-year commitment, depending on how severe your alignment issues are. Different types of braces may work differently for you, depending on what you need. For example, there are metal braces, clear braces, and Invisalign, which are different braces that can work for many people.
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Your orthodontist can help you navigate what your insurance will cover when you go in for a consultation. Some insurance plans will cover a set amount for braces regardless of what they cost, while others will pay a percentage of the cost of braces. In addition to helping you with your insurance, your orthodontist office can go over your various payment options before agreeing to the orthodontic treatment plan. This may include a payment plan, paying via Apple Pay, using a health savings account, or paying on a credit card.
Many credit cards offer incentives for users, such as money-back, rewards points, or highly favourable terms, allowing you to avoid paying excessive interest on your braces. For example, Tangerine is an online bank that offers the Tangerine MasterCard with money-back options. The tangerine money-back card can allow you to pay for your braces while getting money back to lower the overall costs. With a low-interest rate, you’ll come out ahead as long as you can pay it off in a reasonable time.
The average cost of braces will depend on the type of braces you get. Here are a few examples of different braces and the average cost you can expect to pay. While your exact cost will vary based on various factors, knowing the average will allow you to plan out your expense accordingly.
Metal Braces
Metal braces are the traditional braces most people imagine when they hear the term “braces.” Traditional metal braces involve having brackets attached to your teeth and then connected with a wire. The metal brackets are generally silver-toned, and you can get coloured bands to hold the wire in place. Metal braces are the cheapest option, with an average price of $3997. These are most common in children and teens when braces are expected. Young people also like the ability to change colours every few weeks.
Clear Braces
As the name suggests, clear braces are traditional braces made with a clear material, so they are harder to notice. The average cost of these is $4397. To maintain a clear look, there are no colours added to the brackets. These are popular with adults who don’t want the fact that they have braces to be too obvious. They work the same way metal braces work, and you will need to see your orthodontist every four to six weeks while you have them on for adjustments.
Invisalign
Invisalign is a system of retainers that can achieve the desired outcome of braces depending on the overall problem and severity of the problem. You would need to schedule an orthodontic consultation to determine if you are a good candidate for Invisalign. The average cost of Invisalign is $4997, so they are slightly more expensive, and you will need to check with your dental insurance to see if they cover Invisalign. However, just like any other type of braces, you have other options, including financing, cash back credit cards, or a health savings account.
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If you are worried about the affordability of getting braces, start by talking to your orthodontist. After the initial consultation, the orthodontist can provide you with an overview of what is wrong with your teeth or mouth and what needs to be done to correct the problem. They can tell you what your options are, so you can determine the most cost-effective route and make an informed decision.