Many individuals think that orthodontic treatment is simply a cosmetic expense, but failing to treat oral malocclusions during the early stages can actually cost you a lot more down the road. This article will take a look at some of the ways in which you may consider financing your orthodontic treatment .

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Loan Products
When turning to your savings is not an option, you may consider financing your orthodontic treatment using a loan product, such as a traditional credit card or a personal loan. These may be obtained through credit unions, banks, and other major financial institutions at competitive rates and manageable monthly payments to fit your individual needs.

Healthcare Credit Cards
Did you know that there are credit cards designed specifically for healthcare services? CareCredit™ is a healthcare credit card that provides coverage for a wide variety of services, including dentistry. This healthcare credit card not only makes it easier to obtain necessary and cosmetic dental procedures, but can also help you and your family obtain the orthodontic treatment you need to maintain a healthy smile.

Flexible Spending Accounts
Some individuals choose to use money from their Flexible Spending Account or FSA to pay for orthodontic treatment. According to the American Association of Orthodontics , an FSA may now be used to pay the entire fee for orthodontic treatment if you don’t have insurance, up to the annual cap of 2,500 dollars.

Payment Plans
You may consider asking your orthodontist if they offer payment plans if you are unable to obtain a loan or if you do not have the savings needed to finance your treatment.

For more information on the orthodontic treatment methods offered by Dr. David Seligman with Seligman Orthodontics, contact our NYC office at (646) 681-8516. You can also visit our website to get started. We offer interventional treatment, adolescent care, and adult treatment options.