How Much Do Braces Cost and How Can You Pay for Them?

But it wouldn’t be surprising if your first thoughts when the dentist said “orthodontia” were “How much are braces going to cost?” or “How do I pay for braces?” Orthodontic treatments are custom designed for each patient, and there is a wide range of options.

“Patients want to understand how orthodontics will benefit them, the available treatment options, and which one might be best for their specific needs,” said Dr. Katie Graber, an orthodontist in Glenview and Vernon Hills, IL. “Financial considerations are crucial, so patients often ask about the overall cost of treatment.”

The fact is that braces can cost thousands of dollars. The price can vary depending on the level of dental realignment, whether it’s pediatric or adult, and what appliances the orthodontist recommends. That’s no small sum. How can you pay for it?

How much do braces cost?

The price of braces depends on many factors. It includes the type of braces you choose, and the extent of treatment needed. These are some of the different treatment types and cost ranges.¹

• Standard metal braces: This more traditional type of braces features metal brackets and wires that attach to the front of the teeth. Cost can range from $3,000 to $7,000 on average.
• Self-ligating braces: Similar to standard metal braces, self-ligating braces replace wires with a built-in system that can be easier to clean. Cost can range from $3,000 to $7,000.
• Ceramic braces: A less visible option, these use tooth-colored or clear brackets. They are adhered to the front of the teeth. They can be a bit pricier, though, costing from $4,000 to $8,500.
• Lingual braces: By attaching to the back side of the teeth, these braces may be a good choice if you want an unobtrusive option for personal or work-related reasons. Costs range from $5,000 to $13,000.
• Clear aligners: These are nearly invisible and removable. But they can take longer to show results. Prices vary by brand, ranging from $1,000 up to $8,500, depending on your treatment needs.

“It’s vital to clearly outline the benefits, limitations, and expected results associated with each treatment option,” Dr. Graber noted. “This helps the patient or their parents understand how each option fits their needs and lifestyle.”

Does dental insurance cover braces?

Many dental insurance plans do not cover the entire cost of braces. However, according to the American Dental Association, typical dental insurance may cover up to 50% of the cost. While this still leaves you to pay for the rest, paying for only half of the cost can still be a big help. 

If you are considering braces, you will want to check your current policy. If orthodontia is not included, you might add this coverage during the next open enrollment period if it is offered. Coverage may require a supplemental fee, so review your dental and orthodontia coverage carefully before making any plans.

What are ways to lower the cost of braces?

Some orthodontists may offer discounts for patients who pay the entire bill up front, or they may provide in-house financing plans with monthly installments.

A Health Savings Account (HSA) or a Flexible Spending Account (FSA) through your employer might help you lower your out-of-pocket costs. Both allow you to use pre-tax dollars for some health care expenses. Because HSAs and FSAs have restrictions and because federal limits change annually, check with your employer or benefits administrator about your options and coverage.

To save money, you might also be able to complete some procedures at a dental school or dental society for a discounted rate. While it may seem unusual to trust this procedure to a student, this work is generally done under the supervision of a licensed orthodontist.

How can you pay for braces?

If you haven’t budgeted or saved for braces, there are a number of ways to pay, including payment plans and loans.

• Payment plans: Some orthodontists offer payment plans  that allow you to pay off the cost in regular installments. Be sure to compare the interest rates of the orthodontist’s payment plans with the interest rate of your credit card or personal loan options to determine which is most advantageous.
• Credit cards: You might also consider using your credit card and paying the cost through your normal credit card payments. This could be attractive if the orthodontist offers a discounted price for paying up front. Depending on how long you take to pay off your credit card balance, however, you could add to the cost due to high interest rates on the revolving loan.
• Personal loan: Health care costs are one of many common reasons borrowers apply for a personal loan. You may also save money on interest compared to other payment options, like a credit card. And just like you’ll know when the braces will come off, you’ll know when your loan is due to be paid in full.

With a Discover® personal loan, for example, you could get a lump sum that allows you to pay the braces bill in full and, thus, qualify, if your orthodontist offers a discount for upfront payment. You’ll also get one set regular monthly payment that you can budget for. Just choose how long you’d like to repay your loan—from 36 up to 84 months.  

Review your payment options carefully

Like the orthodontic work itself, how you pay for braces will be highly personalized. It will depend on your own financial circumstances and the details of your insurance coverage. 

“By considering all these aspects, patients can make informed decisions about treatment and feel more confident about their financial commitment,” Dr. Graber said.

Investigate all your options closely before making any decisions. You’re sure to find an option for paying for braces that’s best for you—and that should give you plenty of reasons to smile.

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The information provided herein is for informational purposes only and is not intended to be construed as professional advice. Nothing contained in this article shall give rise to, or be construed to give rise to, any obligation or liability whatsoever on the part of Discover, a division of Capital One, N.A., (Discover) or its affiliates.