How to Budget for Braces Without Compromising on Care

If you’re looking to straighten your smile while staying financially savvy, here’s how families in Beavercreek and Englewood can plan ahead without sacrificing quality.

1. Know your insurance benefits

Check your dental plan for orthodontic coverage. Many plans cover part of the cost of braces, especially for braces for kids. Ask about lifetime maximums, age limits, and waiting periods.

2. Use pre-tax savings

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) often allow you to use tax-free dollars toward orthodontic treatment. This can reduce your overall braces cost by hundreds. 

For more info on this, we have a whole blog for that! Read How to Use Your FSA or HSA for Braces Before the Year Ends

3. Ask about payment plans

At O’Brien Orthodontics, we offer flexible monthly plans with zero-interest options. You can spread out payments over the course of treatment– usually 12 to 24 months.

4. Time it right

Starting at the end of the year? You might be able to split payments across benefit years or coordinate with school breaks for more convenient scheduling.

5. Prioritize what matters

While some online or mail-order options may have lower fees, they lack certified treatment planning and care. Get safe, effective results, expert supervision, and a custom plan with one of Englewood and Beavercreek’s most highly-rated family orthodonists right here.

Learn more here: How Much Do Braces Cost in 2025? A Comprehensive Guide for Families

Want help mapping out your insurance and treatment options? Book a free consultation– our team will help you create a plan that works for your smile and your wallet.