Hey parents - we get it. Finding room in the family budget for straight teeth is a challenge amongst everything else going on. Sports uniforms, piano lessons, iPhones, vacations - kids sure are expensive. And I totally understand - I have kids of my own, and there always seems to be something coming up.
Looking ahead to 2020, I want to help by giving you some honest and actionable advice to help you save on your orthodontic treatment. It may take a little research, but it will be well worth it in the end!
Employer Insurance Plans:
If you are looking at plans for 2020 and your employer offers an option with an orthodontic benefit, the best time to plan is now. Schedule a consultation with an orthodontist to see if your child will need braces in 2020. If they do, then you can do the math to see if the extra premium is worth it. If they don't, see if you can get a timeline of when he or she will be ready. This way you only pay the additional premium if you're going to use it.
Many people do not realize it, but going to an in-network dentist has many advantages that are not often discussed. They are not discussed because many dentists do not participate with insurances. They may say "we work with your insurance," but the true value for you is when they are actually in-network. In many cases, your lifetime orthodontic benefit will be greater if you go to an in-network orthodontist, and their fees are set by the insurance company so they are very reasonable and fair. If you venture out-of-network, the provider can charge you literally whatever they want to!
Flexible Spending Accounts and Health Savings Accounts:
FSAs are a great way to take advantage of your employer benefits to help reduce some out-of-pocket costs on orthodontic treatment. Visit your orthodontist before you set your FSA limits for 2020 to find out how you can plan your payments. HSAs are also a great way to use pre-tax dollars to your benefit to pay for orthodontic treatment.
Most orthodontists will offer in-house financing with 0% interest on the monthly payments. This can be a huge advantage for a family trying to budget out the cost of braces or Invisalign® for multiple kids, so be sure to talk with the office to see how the payments can be arranged. You may be surprised to find out that offices are willing to finance beyond the treatment time or accept a small down payment as low as a couple hundred dollars. All you have to do is ask : )
At Zach Frazier Orthodontics, we take pride in our ability to make treatment affordable while maintaining the highest standards of care and customer service. How do we do it? Well, frankly, we are different than most offices in that we do the following:
- Time and cost efficiency - shorter treatment time means less cost
- Best technology and materials for the best results
- Custom payment options to optimize your FSAs and HSAs
- Reduce out-of-pocket costs by being an in-network insurance provider
- Low down payments on treatment
- 100% no pressure - we are not here to "sell" you anything
- Evening and Saturday appointment times
As a member of the community, I would not be able to do my job any other way. My patients are your friends, your family, and your neighbors; and we are proud of our reputation. Feel free to send us a text or email - we are here to help you : )
- Dr. Zach