Emergency Cash to Pay for Orthodontic Services

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Are you in need of orthodontic services but either don’t have insurance or do have insurance but it won’t cover the cost of your treatment? Regardless of your situation, trying to figure out how to pay for orthodontic services can be troublesome. Here are some common orthodontic procedures you may have to pay for:

  • Braces
  • Headgear/facemask
  • Retainer
  • Space maintainers
  • Aligners
  • Mouth guards
  • Palatal expander

But paying for these services doesn’t have to be hard, especially if you consider getting title loans. In fact, title loans are one of the best ways to get emergency cash for orthodontic services. We can tell you more about title loans after we look at some other options for paying for these services.

How to Pay for Orthodontic Services

Some of the costliest orthodontic services happen to be the most expensive ones. Over 4 million people in the US wear braces, 25% of which are adults. Over 5 million people have used aligners which can cost in the thousands! So, how do you pay for orthodontic services when up to 75% of kids need orthodontic care alone?

  1. Dental Insurance

Having dental insurance has its benefits not only for your regular dentist appointments, but for even more expensive costs like orthodontic services. For you and your family, dental insurance can help cover about 50% of the costs of your treatment (procedure and component). Unfortunately, for treatments that cost thousands of dollars, you are still left with an expensive bill.

  1. Monthly Payment Options

Sometimes your orthodontist’s office will let you set up a payment plan for the remaining balance you have from your treatment. Depending on your orthodontist, some places will let you set your terms, or they make you pay it between a certain amount of pre-chosen payments.

  1. HSA/FSA

Check with your employer to see if they offer an HSA (Health Savings Account)/FSA (Flexible Spending Account) fund. This allows you to use any money saved up with these accounts to pay towards any health or dental bill you may have. It might not cover the entirety of your orthodontic service, but it could help chip away at the balance.

  1. Third-Party Health Care Credit

If you don’t have insurance or you have a remaining balance, you can look into a third-party health care credit program. Upon approval, you could be set up with a payment plan to help pay off your orthodontic costs. Make sure your orthodontist accepts a third-party as payment, and make sure you stay on top of your payments. Otherwise, you could experience an increase in the interest payments.

  1. Credit Card

Depending on the cost of your orthodontic services, you could use a credit card to pay for the balance. For a treatment that is a couple hundred dollars, you could easily use one credit card or a few if you have multiple. Unless you have a great credit score and high credit limit, it may be hard to pay for thousands of dollars in orthodontic work without the right financial support.

  1. Dental Program

If you are near a dental college, you could get your dental work done there for a cheaper price. There might be risks associated with going to a dental program if you need very important orthodontic work done, but it will be significantly less.

  1. Personal Loan

Another way to cover your orthodontic expenses is by taking out a personal loan. You can apply for one at your bank or by using an online resource. If you are concerned about your approval because of your credit score, you could look into loans that use collateral instead of your credit score to determine your approval. At LoanMart, we offer auto title loans in exchange for funding that people need1.

Check out our application and see how you can use emergency money from a title loan to pay for orthodontic services!

What You Pay for Orthodontic Services

Orthodontics is a dental specialty to diagnose, treat, and prevent dental and facial irregularities. They treat any age, and are experts in:

  • Anteroposterior – underbite, overbite
  • Overcrowding – common misalignment with teeth
  • Aesthetic issues – the shape of the face is negatively impacted by a dental problem, typically means restructure and realignment of the jaw, lips, and teeth

If you want a straight, perfect smile and you have a few of your teeth misaligned, you’ll most likely have to go to an orthodontist to fix that issue. There are many different types of solutions that orthodontists offer to help: braces, retainers, mouth guards, aligners, etc. If you need one of the more common orthodontic services, these are some of the prices you can expect to pay:

  • Braces

Average cost of metal with/out insurance:            $3,407/$4,937
Average cost of ceramic with/out insurance:         $2,570/$4,572
Average cost of Invisalign with/out insurance:      $3,500-$8000/$5,600
Cost of Lingual (not offered by many):                  $5,000-$13,000

  • Retainer – usually included with overall braces cost for no additional fee

Average cost for removable single/set:                    $150-300/$300-600
Average cost for replacement single/set:                 $70-$250/$140-500 (insurance won’t cover)

  • Aligners

Average cost of aligners with/out insurance:         $1,000-$6,000/$2,000-$8,000

  • Mouth guard

Average cost of mouth guard with/out insurance: $200-$300/$300-500

When looking at these costs, consider how title loans may be your best option for fast emergency cash. You can use fast cash from title loans to pay for whatever you need, especially orthodontic services.

Want to know more about title loans? Here at LoanMart, we consider ourselves experts with years of experience in title loans. Check out our application to see how title loans can help pay for your orthodontic services1.