MI Smile Journey team

How Can You Cover Orthodontist Costs?

Posted on January 19, 2023

Orthodontic treatments are often necessary for your health, but that doesn’t mean that they are easy to afford. Orthodontists spend a lot of time working on your teeth, and it often requires expensive equipment, which can make it seem almost impossible to afford. Luckily, there are options that you can use to pay for whatever you need.

Medical Insurance

Medical insurance is one of the easiest ways to make sure that your orthodontic costs are covered, but not all medical plans are created equally. Many medical plans don’t cover dental or orthodontic costs at all. You may need to look for separate dental insurance to ensure you are properly covered. Many companies offer dental insurance as part of their benefits packages, so when it is time for open enrollment, take some time to read through what exactly these plans cover. Many people opt for the cheapest plan, but that can leave you without any orthodontic coverage. You should also look into whether there are any specific requirements for orthodontic coverage or any exceptions.

HSA or FSA

HSA and FSA plans have been gaining quite a bit of popularity in the last few years because it allows you to set aside money to use for your medical expenses, outside of the restrictions of your insurance plans. HSA and FSA plans allow you to set aside money in an account before taxes that is easily accessible to you and your family. HSA accounts are able to roll over from year to year, while FSA accounts need to be used up by the end of the calendar year. Eligibility for these accounts may depend on the type of medical insurance you have signed up for, but if you have one of these, you will be able to use these funds to pay for orthodontic expenses without having to deal with any complicated insurance processes.

Out of Pocket

If you are unable to use some form of medical coverage to pay for your orthodontic expenses, you can still pay for them out of pocket. This can be incredibly expensive, but it is better to pay for the treatment that you need rather than let your orthodontic health suffer. At the same time, you may be able to set up a payment plan with your orthodontic office in order to lessen the immediate burden. You can talk to the office about costs upfront in order to get an idea of how much money you will need to save up and spend in the long run.

The best thing you can do is to make sure that you are properly taking care of your health and that you are set up to pay for it before you run into the need. Open enrollment allows you to make sure that you have the right coverage, so take care to read all the coverage carefully.

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MI Smile Journey Orthodontics

Saginaw Orthodontics Office
5355 N Colony Dr.
Saginaw, MI
(989) 792-7056

Frankenmuth Orthodontics Office
123 Churchgrove St.
Frankenmuth, MI
(989) 401-5190

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