Dental Braces Cost and Dental Braces Financing

Dental braces are dental appliances used to correct crowded, and misaligned teeth or jaws to create an even bite and improve the smile. Braces can also help improve the long-term health of your teeth and gums and make eating more comfortable. Braces come in several options, including traditional metal braces, tooth-colored or clear ceramic, lingual braces that are placed on the inside of the teeth making them virtually invisible, and Invisalign® clear aligners. On average, most people wear full braces for one to three years. After the braces are removed, patients wear a custom-made retainer which may be worn indefinitely to ensure that the final results remain stable. Below we dive into the cost of braces, if insurance covers the appliances and how braces financing can help.

How much do dental braces cost?

The average cost of braces can vary depending on multiple factors including the type chosen, the region or location the patient lives in, and the expertise of the orthodontist. Generally speaking the cost of metal or traditional braces ranges from $3,000 to $7,000, the cost of ceramic braces ranges from $4,000 to $8,000, Lingual braces range in cost from $8,000 to $10,000, and Invisalign® costs about $4,000 to $7,000.¹

Does insurance cover dental braces costs?

Some dental insurance plans may cover a portion of the cost of orthodontics like dental braces by as much as 50% if the treatment is deemed medically necessary.¹ Check with your plan provider to determine your specific benefits including any deductible or co-pay requirements.

How can I pay for dental braces?

If you need braces and don’t have dental insurance or if you need a way to pay for co-pays, deductibles or other out-of-pocket costs there are several payment options you can consider. If you have the funds readily available, of course you can use them. You may also be able to use a tax-free Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for the procedure. If you are interested in paying over time, some orthodontists may be able to set-up payment plans through their practice paying them directly. Almost all accept general purpose credit cards and many accept the CareCredit credit card, which may be a convenient way to pay for the your orthodontic treatment.

Can I use my CareCredit credit card to pay for dental braces?

Yes. If approved, you can use your CareCredit credit card at locations within the CareCredit network, to finance braces or other dental treatment or procedures. The benefit of using a CareCredit credit card is the opportunity to use promotional financing.* If approved, you can pay for the care you need immediately. You can also use your CareCredit card again and again to pay for other health, wellness and dental care needs. Use the Acceptance Locator, or download the CareCredit Mobile App to find a dental care provider near you who accepts the CareCredit credit card.