Getting braces is a big step toward achieving a confident, straight smile, but it also comes with a financial commitment. Sometimes, life can present unexpected financial challenges, and continuing payments for your braces may become difficult.
If you’re wondering, “What happens if I stop paying for my braces?” or “What if I lose insurance while still undergoing treatment?” this article will walk you through the implications and options to help you stay on track with your orthodontic journey.
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Consequences of Stopping Payments for Braces
If you stop paying for your braces, the specific consequences will depend on the agreement you signed with your orthodontist.
Here are some common outcomes to keep in mind:
Treatment may be paused or terminated
If payments are discontinued, your orthodontist may pause or even stop your treatment altogether. This can leave you with unfinished results or prolonged treatment times, as braces need consistent adjustments to be effective.
Late fees and interest charges
Stopping payments can lead to added late fees, which increase your balance and make it even harder to catch up. Depending on the terms, you may also accrue interest on the outstanding amount.
Risk of collections and credit impact
If the unpaid balance goes unpaid for a significant amount of time, the account may be sent to collections. This could impact your credit score, which may make it more challenging to secure financing in the future.
Your smile results may suffer
If your treatment is stopped midway, you may end up with partially straightened teeth, potentially requiring a new orthodontic plan if you choose to continue later. This may also mean you’ll need to start from scratch, adding to overall costs.
What Happens If You Lose Insurance Coverage During Braces?
Insurance can help offset the cost of braces, but if you lose coverage, it can feel stressful. Losing insurance doesn’t have to mean the end of your treatment, though. Here’s what you can do:
Talk to your orthodontist about payment options
Most orthodontists, understand that life circumstances change. They may offer adjusted payment plans, discounts, or other options if insurance was helping cover the cost and is no longer available.
Explore other insurance options
If your insurance coverage ends due to a job change, marriage, or another qualifying event, you may have access to new insurance options.
Some plans include orthodontic coverage that can help with the costs. Alternatively, a dental savings plan could provide discounts on orthodontic treatment.
Consider financing options
Many clinics offer financing plans with low monthly payments to help make braces more affordable without insurance. This could help you continue treatment without breaking the bank.
At Somos Dental, for instance, we provide braces starting at competitive rates, and our team works with patients to find the best payment option for their situation.
How Do You Pay for Braces Without Insurance?
For many people, braces are a significant expense, especially without insurance. But there are various ways to manage these costs:
In-house payment plans
Many orthodontists offer in-house financing options that allow you to spread the cost of braces over time. These plans often come with lower interest rates than credit cards and are easier to qualify for, even if your credit score is less than perfect.
Health savings accounts (HSAs) and flexible spending accounts (FSAs)
If you have an HSA or FSA, you can use those funds to pay for your braces. These accounts use pre-tax dollars, which can save you money on orthodontic care over time.
Dental financing companies
Third-party financing companies like CareCredit offer payment plans specifically for dental treatments. These companies work with many orthodontic offices and provide options for those who prefer monthly payments instead of paying all at once.
Payment plans
Many orthodontists offer flexible options that allow you to spread the cost over time, with low interest rates, so you can continue your treatment without worrying about paying the full amount upfront.
In our clinics located around Phoenix and Dallas, we offer payment plans without the need for insurance, so you can continue your treatment.
Wrapping Up: Paying for Braces Made Easy
Paying for braces is a commitment, but with various options available, you can find one that works best for you—even if financial or insurance challenges arise.
Stop by one of our offices in Phoenix or Dallas.
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Call 623-869-1091 for a FREE CONSULTATION or book online to explore our payment options.
Achieving your dream smile is a journey that’s worth the effort. Staying informed, communicating with your orthodontist, and exploring all available options can help you stay focused on reaching your goals.
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