How are you paying for your braces?

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#16 Post by **PrincessMelody** » Mon Jan 08, 2007 7:36 pm

No money down and no interest. Payments are ~$70 a month for 30 months. Not too bad but there is still 26 months of payments left.

#17 Post by **MsViola** » Mon Jan 08, 2007 7:45 pm

I wish more people offered payment plans like the one PrincessMelody has

#18 Post by **aggiechick** » Mon Jan 08, 2007 7:48 pm

My insurance covers $1500, and I put enough in my Flexible Spending Account to cover the rest.

#19 Post by **Tasha0313** » Mon Jan 08, 2007 8:03 pm

My dental insurance paid for $1500 of my treatment.

And like an idiot, my job offered the FSA, but I really didn't understand it, so I didn't get it. So the rest of the $3500 I paid myself. My ortho office is wonderful, they let you postdate your payment to the days that you get paid.

I'm done paying for them now wooooooooo hooooooooooooooo!!!

#20 Post by **Stich** » Mon Jan 08, 2007 8:09 pm

$5080 total. $750 down payment, $161 monthly payments for 26 months. My insurance only covers othodontics for kids so it is all out of my pocket.

#21 Post by **SDFD TSchott** » Mon Jan 08, 2007 8:23 pm

Stich wrote:$5080 total. $750 down payment, $161 monthly payments for 26 months. My insurance only covers othodontics for kids so it is all out of my pocket.

That must suck, I had dental insurance that only covered for kids up to age 19, so if I started when I was 18 I would of been covered. Other then that they recently added another higher dental insurance which allows adult ortho so I checked it out upgraded and called to confirm that they would cover and behold they cover my ortho treatment.

SDFD TSchott
(~Tim~)

#22 Post by **Drama Queen** » Tue Jan 09, 2007 5:13 am

I am paying for it myself. I paid a deposit at the start of the treatment and pay the rest in montly installments over the next 18 months. This month I will be making my 6th payment.

Lau xx

#23 Post by **ghostmyimag3** » Tue Jan 09, 2007 5:50 am

OUT OF MY POCKET

#24 Post by **JoeMama** » Tue Jan 09, 2007 10:47 am

I paid out of pocket too - 100%. I paid it all upfront to get a discount and because I hate montly payments.

#25 Post by **jess214** » Tue Jan 09, 2007 10:53 pm

I'm still a university student, so I'm only able to work part-time teaching English, which is how I'm paying for my braces. I'm getting no financial support from my parents. Supposedly, my parents are going to pay me back later on though (maybe in a few years' time) - I'm only paying for them first because they do not have the ability to afford them for me at the moment.

#26 Post by **tnj1220** » Wed Jan 10, 2007 12:24 am

My father-in-law works for a small company who (at the time) handled their health & dental insurance plans privately (i.e. out of their own pocket). They covered dependents as well. Dental & orthodontic treatment were covered 100% for dependents up to 25 years of age.

When my sister-in-law (who nobody ever thought needed any work) realized this, she had an orthodontic consultation just to see if there was anything she might want to do in order to take advantage of the coverage, and decided to get her midline corrected. She had full top & bottom braces installed one month before her 25th birthday and wore them for about 18 months.

100% covered; no out of pocket for her or her dad.

She was thrilled with the results, and remains so to this day. No retainers either; truly one of the lucky.

It really shows you that you need to watch for the opportunities and take them while they're there!

T

#27 Post by **Big Dave** » Wed Jan 10, 2007 3:37 am

I had a fixed fee over 10 months clarity 3 top and bottom, total cost without whitening bonding etc was Â£2500. I have had about 12 adjustments so far,I am nearing completion ,1 year only. My ortho is quick! I recon he is roughly on Â£20.80 /min. I'm not suggesting that it's money for nothing,as you pay for consultations,expertease,offices,materials,retainers etc etc.....Have any of you seen a poor ortho?

Regards,

Big Dave.

#28 Post by **iBorg** » Wed Jan 10, 2007 7:38 am

My insurance will cover kids; I'm well past that. I had set money aside in a flexible spending account for bonding of my teeth. When I kept on being uncomfortable with what all the dentist wanted to do, I asked a hygienist friend and she suggested braces instead. The difference in money is about $1200.

I made a down payment and have been drawing down my spending account every month to pay monthly payments.

Mike

#29 Post by **tnj1220** » Wed Jan 10, 2007 8:07 am

[quote="KK"][quote] No retainers either; truly one of the lucky. [/quote] Ummm [color=indigo][b]T[/b][/color] ... there's no such thing as 'no retainers' if you want your teeth to remain in the same place. :oops: Teeth continue to move during our life ... the only way to prevent this is by some form of retainers for life. This usually means some full time wear followed by between every night to a few[b] nights a week for life[/b]!

If you want to check this out do some google searches and read why there's so many second timers on ths web site.[/quote]

I must be mistaken; perhaps she had some permanent work done (a bridge or implant or something), or maybe she just doesn't wear the retainers (anymore)? Or maybe she does and I just don't know. If I think about it when I talk to her I will ask.

T

#30 Post by **M1k3y** » Wed Jan 10, 2007 9:58 am

Well my story is long but I'll try shorten it. I live minutes away from the mexican border here in south texas so I had 2 options. 1)Get braces here in the states for about 4grand for metal braces and have my dental insurance pay for $1000.00 and make monthly payments. 2)Go across the border to a reputable orthodontist that will take my american insurance and charge way less for the same type of treatment. Suffice it to say I went with option #2 and I was charged $2100.00 total and my dental insurance took care of $800.00 of it. I owe about $600.00 and have 1 year to pay it off. Oh yeah and I got ceramic braces too. So it all worked out for me.