How are you paying for your braces?
Moderator: bbsadmin
How are you paying for your braces?
It seems that one of the major things that keep people from getting braces is [b]MONEY[/b]. By the time you add in all the work that has to be done before you get them and work done after you get them it can add up to quite a bit. How am I going to pay for them? I am sure there are a lot of interesting stories to be told about how the money was obtained.
My story:
1)
I used my Christmas bonus + some savings to make the 25% down payment and will make monthly payments directly to the Orthodontist.
2)
I was blessed that our dental insurance switched to a new company that covers $1500.00 for adult orthodontics ( so they say) with no waiting period.
3)
I will teach a session of summer school and play some extra gigs to pay the remainder of what I owe on the braces and pay for the removal of 4 wisdom teeth, 2 pre-molars (still not sure I am going to do this) and replace 2 crowns.
If all works out I will be making payments of $115 - $125 per month for the next 20 months.
Now that I think about it 24-30 months doesn't sound so bad
My story:
1)
I used my Christmas bonus + some savings to make the 25% down payment and will make monthly payments directly to the Orthodontist.
2)
I was blessed that our dental insurance switched to a new company that covers $1500.00 for adult orthodontics ( so they say) with no waiting period.
3)
I will teach a session of summer school and play some extra gigs to pay the remainder of what I owe on the braces and pay for the removal of 4 wisdom teeth, 2 pre-molars (still not sure I am going to do this) and replace 2 crowns.
If all works out I will be making payments of $115 - $125 per month for the next 20 months.
Now that I think about it 24-30 months doesn't sound so bad
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All cash...*sigh* out of my own pocket...*sigh*...donations anyone...LOL...jk...The weird thing is at my orthodontist...no one pays over a certain amount...I just noticed that...hmmm
LiFe iS A HoOt iF You arE aN oWL...O.o
Sept. 28 ~ Consult with Orthodontist
Dec. 5 ~ Spacers In
Dec. 12 ~ Braces On!!!
Sept. 28 ~ Consult with Orthodontist
Dec. 5 ~ Spacers In
Dec. 12 ~ Braces On!!!
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mine is 4750 now here is the breakdown.
2000 from home depot's dental coverage for adults.
2750 my portion
2750 comes to 600 down
and the rest at 100 dollar payments and thae last payment of 50.00
zero percent in house financing and after that he will report the braces "account" to the credit bureaus as payment in full loan satisfied.
helps me build more credit YES!
louis
2000 from home depot's dental coverage for adults.
2750 my portion
2750 comes to 600 down
and the rest at 100 dollar payments and thae last payment of 50.00
zero percent in house financing and after that he will report the braces "account" to the credit bureaus as payment in full loan satisfied.
helps me build more credit YES!
louis
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Total cost of $4200 (including $400 extra for the now-much-despised ceramics).
I paid $1250 out of last year's FSA money, of which I stood to lose about $1000 if I didn't use it.
My insurance will pay $1500 prorated over the course of the treatment time.
That leaves $1450 for me to figure out.
I'm inclined to pay as little as possible until the end of the year when I'll see where I stand FSA-wise. I halved my contribution this year, so I may not have as much to spare. It's always hard to predict FSA expenses.
Assuming I pay about half the remaing balance near the end of 2007, I will do the same thing in 2008. Which is about when I'll be done, worst case scenario.
I'm getting married in June 2008, and I'm really hoping to be unbraced (debraced? braceless?) by then.
Woohoo!
Elle
I paid $1250 out of last year's FSA money, of which I stood to lose about $1000 if I didn't use it.
My insurance will pay $1500 prorated over the course of the treatment time.
That leaves $1450 for me to figure out.
I'm inclined to pay as little as possible until the end of the year when I'll see where I stand FSA-wise. I halved my contribution this year, so I may not have as much to spare. It's always hard to predict FSA expenses.
Assuming I pay about half the remaing balance near the end of 2007, I will do the same thing in 2008. Which is about when I'll be done, worst case scenario.
I'm getting married in June 2008, and I'm really hoping to be unbraced (debraced? braceless?) by then.
Woohoo!
Elle
Spacers, Nov. 1; Braced Nov. 8, 2006; Braces off March 26, 2008, just short of 17 months. Glad it's over but the jury is still out on whether the game was worth the candle.
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hd2755 wrote:mine is 4750 now here is the breakdown.
2000 from home depot's dental coverage for adults.
2750 my portion
2750 comes to 600 down
and the rest at 100 dollar payments and thae last payment of 50.00
zero percent in house financing and after that he will report the braces "account" to the credit bureaus as payment in full loan satisfied.
helps me build more credit YES!
louis
Don't you just love that $2000 Home Depot paid for I just got confirmed that even though my treatment has started already that they will go ahead and pay for the coverage of $2000. So with that said I just looked over my last payment receipt and I only owe $375
SDFD TSchott
(~Tim~)
I applied through Capital One Dental, where you can choose how long you want to stretch out your payments and also pick your interest rate. I went with 3 years at 7% interest. My payment is $90 a month, but I've been paying $100.
TEETH IN THE BEGINNING (OCT. '05)
TEETH NOW (Oct. 28, 2007)
Braced (uppers & lowers): 2 Years
Retainer Check: 1-18-08
TEETH NOW (Oct. 28, 2007)
Braced (uppers & lowers): 2 Years
Retainer Check: 1-18-08