You might also find discount programs through your orthodontist's office that can reduce the price. Even though interest is greater than other payment methods, you can spread repayments over as long as you negotiate with your bank. Regular credit finance, such as personal loans or credit cards, is always another option. Depending on the rules, your FSA or HSA might reimburse you for co-pays or office visits as well. Contribute the maximum amount and use these funds to pay for expenses not covered by insurance, including braces and deductibles. The money you put into this account is not taxed, which means your dollars will go further. Even if your dental plan does not cover orthodontics, your employer might offer a flexible spending account (FSA) or health savings account (HSA). These types of plans help tremendously when investing in affordable braces for adults and kids. You can choose between plans with little to no interest and payable by up to two years. These clinics often partner with financing companies to provide flexible payment options that cost less than conventional credit financing. Many orthodontic clinics offer payment plans for patients without insurance. Check the Commission on Dental Accreditation's list of dental schools across the country to find one nearby. These programs usually have reduced fees or only require you to cover the cost of materials and equipment. Students are required to do supervised treatments as part of their orthodontic education with faculty members. Instead of visiting an orthodontic practice, consider finding a dental school nearby. Braces that require fewer office visits, and are made with cheaper materials, will help knock down that price tag. Ask your orthodontist about all your options and their costs. If you want affordable braces, you probably shouldn't pursue lingual brackets. Explore how you can get cheaper braces and a confident smile: How can you afford braces without insurance? Don't worry! When it comes to paying for braces, you have options. Lingual braces: This method attaches metal brackets and wires to the back of your teeth, making them unnoticeable but more expensive.
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