While the benefits of orthodontic treatment far outweigh the upfront costs, we'll admit that some patients are surprised by how much they will need to pay for braces. Your orthodontist will work with you to explore all financing options available to you, including dental insurance.
Most dental insurance plans do not cover orthodontic treatment for individuals over the age of 18 as a part of their basic coverage packages. You can, however, purchase supplemental orthodontic insurance. When working with your insurance provider, be sure that you understand the percentage that will be covered and the lifetime maximum.
What if I can't get covered?
You may be able to have the cost of orthodontic treatment subsidized through your tax returns. Medically-necessary procedures (like braces) are tax deductible. Before you can deduct any of these expenses, they will need to exceed certain costs. Be sure took keep track of everything that you pay for in relation to your orthodontic treatment.
Don't forget that you can also set aside funds in health savings accounts to pay for expenses like braces. Keep in mind, however, that these accounts are often "use it or lose it" and need to be spent by the end of the calendar year.
Many orthodontists don't require patients to pay for the entire cost of treatment up front. They can develop a payment plan with you based on your income and personal needs. If the payments are reasonable, you may not need to worry about insurance at all.
If you are interested in learning more about orthodontic treatment, contact a New York City Orthodontist today!