Orthodontic work can be expensive, but is usually great value because it can improve the cosmetic appearance to your smile and correct your bite to help avoid more expensive dental work in the future. If you are worried about costs, here are some tips to help you afford necessary dental work.
Upgrade your dental cover
If you have private health cover and expect that you might need orthodontic work down the track it can be worth upgrading your health care to a higher level of cover. This tends to not only increase the percentage of the bill that is covered, but also the total claimable amount for orthodontics and 'major dental' each year. These claims are usually subject to a waiting period so if you think that you may need cover in the future it tends to be better to upgrade sooner rather than later. If you don't have private health cover this is a good time to sign up as orthodontic work is not usually covered unless it creates a direct detrimental effect on current health conditions.
Ask for a payment plan
A lot of orthodontics patients struggle to pay for the large upfront payments of orthodontic work so orthodontists often offer payment plans that average out some of the highs and lows of required payments. These can be an effective way to budget for the cost of orthodontic work and can offer some consistency to your household budget. Ask if your orthodontist offers a similar plan.
Apply for affordable credit options
If you are on a limited budget such as being on welfare, there are schemes that allow you to borrow small amounts against your welfare payments to pay for expensive treatments such as orthodontics or other dental schemes. Your local orthodontic clinic should know who can help you.
Extend your current credit
If you have space on your home loan or a low rate credit card you may be able to place your orthodontic work on that credit line. You can pay off the amount through regular payments and avoid spending more money down the track on more expensive treatments. Early intervention tends to be less expensive and less intrusive than later treatments. If you don't have a home loan, relatives such as grandparents might be able to help out by also offering additional funds.
As you can see there is a range of options to pay for orthodontic treatments. You should feel confident in your ability to pay for the treatment you need.