After a recent dentist visit, you were referred to an orthodontist and found out that you need braces for that perfect smile. The cost can range from $4,000 to $8,000, depending on the type of braces and how long you’ll need them, so it’s essential to figure out if braces are affordable for you. Here are some things to consider:
**Your Insurance Policy**
First, check if your insurance will cover any part of the braces. If they do, that’s great news because it means you won’t have to bear the entire cost yourself. If your current insurance doesn’t cover braces and you have the option to switch, look for a policy that better meets your needs.
**Payment Plans**
If insurance doesn’t cover the braces or you can’t pay the full amount right away, ask the orthodontist about payment plans. These plans can break down the cost into more manageable monthly payments. For instance, if your treatment costs $4,000, spreading it over four years would amount to just over $80 per month—something many people can afford.
**Your Monthly Income**
Regardless of whether you’re using a payment plan or paying upfront, it’s important to consider your monthly income. Calculate if you can set aside the necessary amount each month. If you find it hard to save the required amount, you might need to explore other options or borrow the money.
**Using a Credit Card**
Using a credit card to pay for braces is another option, but proceed with caution. Make sure the debt is worth it and consider whether you can wait until you’ve saved enough money. If you expect a financial boost soon, using a credit card temporarily could work. Just be mindful that balancing life’s basic expenses with the cost of braces can be challenging.
In the end, carefully consider all these factors to decide if you can afford braces.