You may be asking yourself: How much do braces cost? Or can I afford braces? Well, we are here to tell you YES, you can. With braces from Okubo Orthodontics, you will get the best orthodontic care from a American Board Certified Orthodontist, Dr. Okubo, all at a price that fits into your budget.
Okubo Orthodontics offers a variety of treatment & Financing options for your convenience
How can I pay for braces?
Does health or dental insurance cover braces? If you have health or dental insurance, check with your provider. Most dental plans with orthodontic coverage pay for orthodontic treatment for people up to the age of 26 years old. If your dental or health plan does not include orthodontic coverage, you can also buy supplemental orthodontic insurance. (See our Insurance page to see insurances plans accepted by Okubo Orthodontics)
For any plan, be sure to ask about the percentage they cover and the lifetime maximum. The amount of coverage varies greatly, but a common figure is 50% coverage with a $1500 to $2,500 lifetime maximum per child.
If my insurance doesn’t cover it, can I deduct the cost? As long as they’re considered medically necessary (and braces, unlike whitening treatment and veneers, count), dental health care costs are tax deductible. However, the cost has to exceed a certain amount before you can begin deducting it (7.5 percent of line 37 on Form 1040, your adjusted gross income. To learn more, visit http://www.irs.gov/taxtopics/tc502.html). Keep track of even small expenses, like co-pays and check-ups, because these can add up.
Others tips for making braces more affordable:
Payment Plans: Dr. Okubo offers in house interest free financing plans to suit your family’s budget. The cost of your treatment will be split over the months of treatment providing affordable orthodontic care.
HSA/FSA/HRA/MSA: Keep in mind that you can also set aside pretax dollars to help pay for these treatments in a flexible spending account, health savings account, health reimbursement account, or medical savings account if you have one.
Plan Ahead Plan ahead – orthodontists often know years in advance that a child will likely need braces and/or other orthodontic treatment. An early checkup (we recommend setting up a free consultation by age 7) will help you know what’s coming so you can budget in advance and decide whether dental or orthodontic insurance is worth the investment.