Whether you decide to get Invisalign for yourself or for your children to get a better smile, you will inevitably think about the price. Invisalign is attractive to many because it allows you to straighten your teeth quicker and easier in a more invisible way compared to uncomfortable metal braces.
Invisalign has a 95% patient satisfaction rate, and you can get the teeth you want in as little as a year. At Wardlaw Orthodontics, our Invisalign treatment is an affordable option to traditional orthodontics. Check out these Invisalign financing options.

1. Insurance Plan

The first payment option you should look into above all others is with an insurance plan. If you have a general or dental insurance plan willing to cover a portion of your Invisalign fees, you may save the most money.
If you are getting Invisalign, you may or may not get coverage depending on your provider.  Depending on what you qualify for, you can receive payment assistance of up to $3,500.
Something is better than nothing when you do not have to pay for it out-of-pocket. You can work out other options with whatever money is left. If you aren’t sure how much you can get, you need to speak with your insurance provider to discuss your policy in detail.
You’re likely to qualify if you have “orthodontic treatment” included in your package. You must also verify the doctor’s office you visit will accept the insurance.

2. Create a Payment Plan

In order to reduce or prevent paying crazy interest fees, it’s a good idea to work directly with an orthodontist and the team to create a payment plan that works for you. Most people do not have a few grand lying around to pay in a single lump sum.
Keeping money to the side for emergencies is important for a lot of families, so putting all your money to a single expense is far from ideal. You can divide the fees into several months to make paying it easier.
Most payment plans range from 3,6, or 12, or 24 months. If you are able to pay in full, you may even be eligible for discounts.

3. HSA or FSA

If you have a health insurance plan, chances are you have a health savings account (HSA). Many people who have health insurance do not know how HSA works or how to use it. First, you need to look at your policy’s deductible.
If it’s about $1,350 or more on a single plan or $2,700 or more on a family plan, you can get an HSA. It works by depositing money (pre-tax) from your salary to use for medical-related expenses like Invisalign. Any money you don’t use rolls over.
This is a good idea for those who plan to get Invisalign within the year, not immediately. If you don’t have health insurance, you should also get an HSA at other financial institutions like banks.
A flexible spending account (FSA) is similar to an HSA, except they are only available through an employer. There is also a restriction on how much money (pre-tax) you can set aside each year.
Also, funds do not roll over to the following year, so you can’t use it to pay for something that exceeds the contribution restriction. So long as you understand the rules and that you must use the funds in a year, this is a great option.

4. Personal Loans or Personal Savings

Being financially responsible, having good credit, and few to little debt rewards you well in situations you need extra money. If you don’t have any money, you are likely to qualify for loans with low-interest rates that you can pay off over time.
You may get the best interest rates when you go to a medical loan provider over a general provider when you want to get Invisalign. Before you start applying, it’s better to have an idea of how much you need and limit how many lenders you call as many complete a soft or hard pull on your credit.
In the event you have a personal savings account, you can use the money you have to the side or create one if you plan to get Invisalign later in the future. A great way to build your savings is to use the “round-up” method. Other ideas include cutting out services or things you don’t need or use often such as TV service and other subscriptions.

5. Credit Card

Using your credit card or applying for one is another option you can use if you are certain you can pay the debt in a timely manner. Those with good credit often receive discounts and bonuses that help them save more money, particularly during the promotion period.
You may want to use a credit card as a last option because they often come with the highest interest rates when you have one outside the promotional period. Before applying for any credit card, always look at the annual fee (if applicable) and interest rates so you can make an informed decision.

Get the Teeth You Want Using Affordable Invisalign Financing Options

When you’re on a budget, you have to find ways to get the things you want to be done without going broke in the process. If you are unhappy with your smile, you should be able to get it fixed while keeping your financial circumstances in mind.
Finding the right Invisalign financing options for you is important. When you find a personal financing option that works for you or would like to set one up at a professional clinic, contact us. We have the best staff on hand in Arkansas and we are here to answer any questions or concerns you have.