You may have been walking around with a less than perfect smile and you have reached that point where you feel you need to get your teeth straightened. You could even have checked out different orthodontists in your area and have identified a few who you think will give you the best treatment. However, you could be wondering how you will pay for the cost of treatment. There are actually some interesting ways in which you can go about financing braces.
During your dental appointment, the doctor will assess your condition and may take x-rays and photos of your teeth. He will then come up with a quote of how much the treatment will cost you. If you have dental insurance, you will need to confirm with your provider whether your insurance package covers orthodontic treatment and to what extent. You may end up having to pay a small amount of the total cost, or you may find that the total cost will be covered by your insurance company.
In case you do not have a dental insurance policy, but you have health insurance, you need to confirm whether your health insurance also includes dental treatment. There are health insurance policies which cover general dental treatment including fillings, x-rays, removing of plaque and cleaning. Other policies go a step further to cover major dental treatment which includes orthodontic treatment - braces are part of the orthodontic treatment.
Once you have established how much you will need to pay from your own pocket, it is important to have a talk with your doctor to discuss how you will pay. Most doctors are flexible and understanding and will be happy to develop a payment plan that you will be able to handle. Normally, you will be required to pay a down payment and then pay the rest of the amount in small monthly installments spread out across the duration of the treatment.
There are orthodontists who offer a financing option with low interest or no interest at all, and you could find out from your doctor if this option is available. You may also find that some orthodontists offer a discount if you pay the total amount upfront. This, however, may not be an offer you will want to take up. This is because treatment can take up to two years and in case you move to a different location, you may not be able to recover the amount you paid.
You can decide to join a dental plan which can help to ease the burden of financing braces. A dental plan is not an insurance cover, but a plan that makes you eligible to get discounts. How it works is that you pay a monthly fee to the plan, and then get dental treatment from doctors who are part of this plan. You will therefore be able to get treatment at lower rates than you would have got if you were not in the plan. You, however, need to check the conditions of the dental plan before you join. There are dental plans where you need to have been a member for a certain amount of time before you can access orthodontic treatment.
Article Source: http://www.abcarticledirectory.com
There are many options to financing your dental treatment. To reach an orthodontist with a flexible method of financing braces, please visit CST Orthondotics financing braces webpage for more info.
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