When it comes to orthodontic treatments, there’s no one-size-fits-all solution. Every one of our treatment plans is tailored to our patient’s specific set of needs and goals for ultimate comfort, confidence, and effectiveness. We’ve even created a whole new kind of fast braces offering for those looking for a shorter timeframe for their treatment.
There are also many different kinds braces to choose from—with everything from traditional braces and Damon Clear to Invisalign, patients have more options than ever when it comes to choosing an orthodontic solution that will work for them. We strive to ensure that everyone can find the right treatment for them and their loved ones with our different options and combinations and smile with confidence.
With our many options also comes room for price differences in treatments. At your free consultation with OoLi Orthodontics, we’ll go over your different options and available payment plans to determine what your cost of braces will be. We work one-on-one with our patients to ensure we’ve created a payment plan that works for them and will get them to smile with confidence at the end of their treatment. Many insurance plans nowadays cover much of the cost of orthodontic treatment as well. We’ll do everything we can to make braces as affordable as possible.
Average Cost of Braces
As mentioned above, the cost of braces varies from patient to patient, so your individual treatment plan might sound a little different than what we’ve laid out here. In general, you can expect a traditional metal braces treatment from a board-certified orthodontist, like Dr. Park, to start around $3,000. The majority of our patients at OoLi Orthodontics fall within in a $3,000-$5,000 price range, which includes moderate bite issues and braces variants like Invisalign. Rare but severe orthodontic cases can cost up to $7,000 and require additional time for proper treatment.
We know $3,000 or more might sound like a lot, but we strive to make affording braces as easy as possible. We offer all of our patients 0% interest financing with no down payment required, and we accept all major credit cards. We believe everyone should smile with confidence, and hope that our various options for paying for an orthodontic treatment will help all of our patients achieve their dream smile. We’ve even started a price match program where we’ll match the treatment quote from any other board-certified orthodontist in Arizona. Our goal is to give you the best orthodontic treatment at the best price, so your cost of braces is fair and affordable.
With OoLi Orthodontics, what you see is what you get. There are no hidden fees that will pop up down the line and add to your overall cost of braces. Everything that you’ll need to know and pay for is included in your financial package, and if you have any questions about anything quoted, our staff is always happy to answer and clarify so you’re confident in not just your treatment, but also what you’ll be paying for. The only aspect that won’t be included in your financial package is any procedures performed by your preferred dentist (and any other specialists if needed). We’ll cover the details of any necessary procedures, performed by OoLi Orthodontics or any other dental specialist, at your free consultation, so you’ll know right from the beginning what’s covered in your cost of braces.
Monthly Cost of Braces
Depending on how you choose to pay for your braces treatment, the monthly cost of your braces can be easy to calculate. Let’s say a patient’s braces treatment cost $4,000 with an anticipated 18 month treatment, which is the typical treatment length most of our patients have. This would average to about $222 per month for the cost of braces. During your free consultation, you’ll receive a financial package that will lay out what all is covered in your treatment cost, as well as an anticipated treatment window, so you’ll be able to determine your personalized monthly cost of braces.
Insurance Coverage for Braces
If you’re looking to have your insurance cover the cost of braces, the chances are you’ll be in luck. Many dental insurance plans now cover the cost of traditional braces, but we always recommend checking with your insurance provider beforehand. Be sure to clarify how much of your braces treatment will be covered, and if they will only cover traditional metal braces or if braces variants, like Invisalign, will be covered as well.
At OoLi Orthodontics, we’re happy to check with your insurance provider for you if you’re unsure what level of braces coverage you’ll have. We will help you determine your benefits and process the forms you submit to help you receive the maximum coverage for your treatment.
Flexible spending accounts, like an HSA, FSA, or others including ones that use pre-tax money for medical treatment, is another option to cover the cost of braces. If you have one of these accounts and would like to use it for your treatment cost, we’ll work with you to determine what payment arrangements will work best so you can take advantage of your program. With this payment route, we do ask our patients to know their plan’s terms and limitations regarding payment due dates—these can be very specific, so knowing this beforehand will help us create an accurate payment arrangements.
Braces Financial FAQ
At various times of the year many employers offer their annual open season where employees have the option of changing, adding, or even dropping medical and dental coverage. Understanding orthodontic benefits can often times be a little bit trickier to figure out than regular dental and medical benefits. For your convenience, OoLi Orthodontics participates with many insurance plans and we will happily file the insurance on your behalf. Here are a few tips to help you understand your coverage and a few questions you may want to ask when considering changing or adding dental plans as it relates to Orthodontic Coverage.
Just because you have Dental Insurance does not mean you have orthodontic coverage. Be sure to ask if your plan covers both.
Also be sure to ask if the coverage is for adults and children or just for children. Sometimes there are higher premiums for both dental and orthodontic Coverage but often times there are not. Each company is different. You want to make sure you are not paying more for the insurance than what you are getting in benefits.
Orthodontic coverage typically involves a Lifetime Maximum Benefit (LTM) that pays out at 50% of the total case fee. There are a few plans that pay more or less than 50%. This means they will pay for braces 1 time and once you have used all of the LTM they won’t pay any more. If your LTM benefit is $3000, then braces would have to cost $6000 in order for you to use your full benefit. You would pay the difference between what your insurance covers and the total case fee.
Your out of pocket expenses can vary depending on whether or not you choose an in network provider. If your employer changes plans while you or your child are still in treatment the orthodontic payment history will typically follow you. However, if you take out a new plan with a completely different company often times, the history does not follow you and this can result in additional benefits. Anytime your insurance changes be sure to let your providers know.
Orthodontic benefits pay out over the course of treatment not in one lump sum payment. If your benefit is estimated at $3000, the Insurance Company generally pays you or the orthodontist an initial payment when the braces are placed and then monthly, quarterly, or annual installments for the remaining months of treatment.
If the orthodontist estimates that you will be in braces for 2 years then you would want to make sure you keep you dental plan during those 2 years. If you drop your dental/orthodontic insurance before your benefit has finished paying this can result more out of pocket expenses for you.
Some dental plans require a waiting period before they will pay for braces. They might cover cleanings and general dentistry immediately, but sometimes will have you wait as long as 2 years before orthodontic coverage is active. Be sure to ask you dental plan if there is a waiting period for braces.
The answer is yes in most cases but there are a few rules insurance companies follow when determining primary vs. secondary and you want to make sure your plan allows for standard coordination of benefits. The birthday rule determines whose plan is primary and looks at what month the person is born in. For example if mom’s birthday is 2/14/73 and dad’s birthday is 11/20/1968, mom’s plan, in most cases, would be considered the primary insurance plan because her birthday falls first in the calendar year.
Overall age or who is older does not generally determine who is primary. Be sure to ask if your plan allows for standard coordination of benefits or has a non-duplicating clause. A non-duplicating clause means benefits will not be duplicated. So if both plans have a LTM of $1500 then with a non-duplicating clause your total benefit is $1500. When coordination of benefits is allowed your benefit could be as high as $3000 if the LTM for both plans is $1500.
Sometimes an employer will increase their plan benefits or you might even change employers and find yourself with orthodontic benefits that you did not have when you or your child first started treatment. The question to ask your new plan is if they cover work in progress. If they do cover work in progress, then generally your benefit is pro-rated based on how long you have been in treatment and how long you have left in treatment.
There may be an age limit to receive benefits from your insurance company. For example, with some insurance coverage, the age limit for orthodontic benefit is 19 years old.
Flexible Spending Accounts (FSAs) are a benefit offered by many employers, and are funded with employees’ pre-tax dollars. FSAs help Americans pay for a variety of out-of-pocket health care costs such as co-pays, deductibles, prescription drugs, vision care, hearing aids, and dental services – including orthodontic treatment. FSAs are limited to $2,600 per year as of 2017.
The fee that is presented to you at the consultation includes everything that you will need for your braces. All treatment rendered at OoLi Orthodontics is considered in this fee. However, be aware that any services rendered by a dentist outside of our office will incur additional fees.
Schedule Your Free Braces Consultation
If you’re interested in learning more about what the cost of braces might be for you, we invite you to schedule a free consultation! During our consultation, we’ll go over your specific goals, your preferred type of braces, and payment options to cover your cost of braces. At the end of it, we hope you’ll feel educated enough with the different choices to make an assured decision to start your journey to smiling with confidence.