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Starting your orthodontic journey is an exciting step toward a healthier, more confident smile — but we understand that cost is often a big consideration for families and individuals alike. At Bergen Orthodontics in Closter, NJ, we believe that high-quality orthodontic care should be affordable and accessible, which is why we offer a range of payment options, flexible financing, and help navigating your insurance benefits.
If you’re wondering how to make braces, Invisalign, or other orthodontic treatments fit your budget, here’s a guide to understanding insurance coverage, payment plans, and how to use HSA and FSA funds for your orthodontic care.
Does Dental Insurance Cover Orthodontic Treatment?
Many dental insurance plans offer partial coverage for orthodontic treatment, but the details can vary widely. Some plans cover braces for children only, while others offer benefits for adult orthodontics too.
What to Look for in Your Plan
- Age Limits: Some plans only cover orthodontic care for patients under 18.
- Coverage Percentage: Most plans cover a percentage of treatment costs — often around 50% up to a lifetime maximum.
- Types of Treatment Covered: Some plans may cover traditional braces but not clear aligners.
- In-Network Providers: You may save more by choosing an orthodontist within your insurance network.
At Bergen Orthodontics, our knowledgeable team can help you review your benefits, submit claims, and maximize your coverage to lower your out-of-pocket costs.
Flexible Payment Plans
If insurance only covers part of your treatment — or if you don’t have orthodontic coverage — there are still plenty of ways to make care affordable.
In-House Payment Plans
We offer interest-free monthly payment plans designed to fit a variety of budgets. With flexible down payment options and extended payment terms, it’s easy to find a plan that works for your family.
Third-Party Financing
We also work with third-party financing companies, like CareCredit, to offer low-interest or interest-free financing options for qualified patients.
- Benefits of Payment Plans
- Spread costs over time
- No large upfront payment required
- Budget-friendly monthly payments
Our team will work with you to customize a plan that meets your financial needs, so you can focus on achieving a healthy smile without financial stress.
Using Your HSA or FSA for Orthodontic Care
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those pre-tax dollars to cover eligible orthodontic expenses — including braces, clear aligners, retainers, and other necessary orthodontic treatments.
HSA vs. FSA: What’s the Difference?
- HSA (Health Savings Account): Available to individuals with high-deductible health plans (HDHPs), funds can roll over year to year.
- FSA (Flexible Spending Account): Typically offered through employer-sponsored health plans, funds must be used within the plan year (though some plans allow a grace period or limited rollover).
Tips for Using HSA/FSA for Orthodontics
- Confirm that orthodontic treatment is an eligible expense under your specific plan.
- Ask for detailed receipts and documentation from your orthodontist to submit for reimbursement.
- If you’re planning treatment, consider increasing your FSA contributions during open enrollment to cover part of your orthodontic costs.
- Use your HSA/FSA to pay for down payments, monthly payments, or even retainers after treatment.
Planning Ahead for Orthodontic Costs
Early Consultations Save Time & Money
We recommend scheduling an early consultation for children — usually by age 7. Early evaluations help us detect potential orthodontic issues early on, which can reduce treatment complexity and costs down the road.
Tax Benefits
Orthodontic expenses that aren’t covered by insurance may be tax-deductible if they exceed a certain percentage of your adjusted gross income. Keep records of all payments and expenses for potential tax benefits.
At Bergen Orthodontics, we’re committed to making exceptional orthodontic care affordable for every patient. Whether you’re exploring braces for your child or Invisalign for yourself, we’ll work with you to create a plan that fits your needs and your budget.
