So the news is in, your child needs braces, and you’re the one with the wallet that’s expected to open and pay for it. It’s news that fills parents with worry and concern from the moment it’s announced, and with good reason. Braces and their upkeep are expensive, and the news that they’re required can have many parents leaving the consultation with their children, while wondering what to do and how to pay for braces.
If this is you, you have a few options to research further:
1. Talk to your dentist.
Depending on your dentist and the practice you visit, you may be able to pay a deposit and then contribute a monthly amount until the balance is cleared. Whether or not this is available, or if you will be charged any interest, is totally dependent on your dentist and their circumstances. But it never hurts to ask.
2. Pay on a credit card.
Not an ideal option as the costs can spiral, but nevertheless better than going without. If you have an adverse credit history or do not have an available amount to cover the cost on a credit card, you can look at other options.
3. Checking prices
Make sure you’re getting the best deal. Get quotes, phone around and look online to make sure you’re not being quoted too much money. While you may be loyal to your existing dentist, there’s a cost to loyalty and it usually comes at affordable rates as businesses rely on customers to feel that sense of loyalty to keep their profit margins healthy. There’s no harm in looking around.
This is more one for before the fact, but even if you find yourself in this conundrum at the moment it’s probably worth considering for the future. Both dental cards and specialist dental insurance plans are going to be able to help you, meaning you don’t have to worry about such a circumstance and worrying how to pay for braces again.
5. Personal finance
If all else fails, it might be time to start snipping some corners in your outgoings and seeing how much money you can gather together. Consider having a garage sale or taking on a few extra hours at work; just know that this is an essential thing that is required, but it’s not an ongoing cost you will have to continue to bear. You will get through it, and be the better for having done so.