How to Finance Your Orthodontic Treatment in Calgary

Orthodontic treatment can significantly improve oral health and boost confidence by correcting misaligned teeth and bites. However, the cost of orthodontic care can concern many individuals and families. Fortunately, there are several financing options available in Calgary that can help make orthodontic treatment more affordable. Whether you're considering braces for yourself or your child, understanding these options can make the process smoother and less stressful.

Dental Insurance Coverage

The first step in financing orthodontic treatment, especially when considering an orthodontist in Calgary, is to review your dental insurance policy. While not all dental insurance plans cover orthodontic treatment, some may offer partial coverage for braces, retainers, and related procedures. It's essential to check the specifics of your insurance policy, including any deductibles, coverage limits, and waiting periods. Contact your insurance provider or speak with your orthodontist's office to clarify what expenses your plan may cover.

Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs)

If your employer offers a flexible spending account (FSA) or health savings account (HSA), you can use pre-tax dollars to pay for orthodontic treatment. These accounts allow you to set aside a portion of your salary before taxes are deducted, which can significantly reduce your out-of-pocket expenses. Be sure to check with your employer or financial advisor to understand these accounts' eligibility criteria and contribution limits.

Payment Plans and Financing Options

Many orthodontic practices in Calgary offer flexible payment plans or financing options to help patients manage the cost of treatment. These plans allow you to spread payments over several months or years, often with little to no interest. Before starting treatment, discuss payment options with your orthodontist's office to find a plan that fits your budget. Some offices may also partner with third-party companies specializing in healthcare financing.

Orthodontic Discounts and Promotions

Occasionally, orthodontic offices may run promotions or offer discounts on treatment costs. Look for special offers, especially during certain times of the year or for new patients. Taking advantage of these promotions can help reduce the overall cost of orthodontic care.

Personal Savings and Budgeting

Saving in advance for orthodontic treatment can help alleviate financial stress when the time comes. Consider creating a savings plan specifically for healthcare expenses, including orthodontics. Even small monthly contributions can add up over time and significantly affect the cost of braces or other orthodontic appliances.

CareCredit and Other Healthcare Credit Cards

CareCredit is a healthcare credit card that can be used to pay for orthodontic treatment and other medical expenses not covered by insurance. It offers special financing options, including interest-free and extended payment plans, depending on the amount financed and the repayment term. Be sure to carefully review the terms and conditions of any healthcare credit card before applying.

Discuss Treatment Options with Your Orthodontist

Lastly, don't hesitate to discuss your financial concerns and treatment goals with an orthodontist in Calgary. Orthodontists are committed to helping patients achieve healthy, beautiful smiles and may have additional suggestions or resources to help make treatment more affordable.

By exploring and discussing these financing options with your orthodontist, you can make informed decisions about financing orthodontic treatment in Calgary that best fits your budget and dental health needs. Investing in orthodontic care can have long-term benefits for your oral health and overall well-being, making it a worthwhile investment in yourself or your child's future smile.