How to pay for Orthodontics?

I have an orthodontic evaluation tomorrow and I am kinda nervous. I don't know why. I am just curious to know since my insurance will not cover treatment, how does the payment plan work? Are they directly through the provider's office or through a finance company? I don't have much credit so I am curious to know.





Thanks in advance for your help.

How to pay for Orthodontics?
Most offices have their own payment plan without charging you any interest. You will have to give a down payment. The bigger the down payment, the less you will have to give monthly. Other offices have a 3rd party administrator, like OFP. They pay your ortho in full and you make payments, with interest, to the plan.
Reply:Our ortho office looked at what your insurance covers and then subtracts that from the total bill. The portion that was left was what we had to pay and then set up a payment plan for us and we got a bill each month for the agreed upon amount and I paid it each month just like other monthly bills.
Reply:Dearly.
Reply:My experience is that it's just through the office. Or use credit card to pay.
Reply:When I had my braces, the payments were through their office and I could do monthly or every 3 months. I would suggest doing it monthly because it may be harder to come up with 3 months of payment all at one time. My office was very nice and didn't really worry about if my payment was late just as long as I payed it. You just need to be up front and honest about your financial situation because they will work with you.
Reply:Don't be nervous. My insurance only covers $500.I am also going in for my first appointment.I am a single mom and college student. With all my student loans my credit isn't too good. I went to www.carecredit.com. It was one of the finance companies the doctor listed. They gave me $1500. I can use that as a down payment and add more of my money also as a down payment so my monthly bill is low.It will work out for you.I've been planning to get braces for years.
Reply:It really depends on your dentist. I have dental benefits for $11.95 a month that cover Ortho treament. Its $2,250.00 going through them for braces. Check em out if you can save some money with them or your credit is a problem