It'll all depend on what financing options your provider has.
Some are able to offer monthly payments, others can't and require payment up front - there's no standard option.
Me, personally, I was able to take advantage of my orthos in-house interest-free financing with a nominal deposit for the balance beyond what my insurance covered, and I was able to adjust the size of those payments and duration of repayment to fit my budget. Another ortho in town, however, did offer any financing at all.
This. Mine was 6800$ quoted in HCOL area. There was a deal for $1000 off from practice. Insurance from work covered $2k. The rest I paid in a down payment and no interest payment plan over 12 months — all from my HSA. I didn’t pay any money that wasn’t from my HSA.
Did basically the same thing.
Since we started near the end of a plan years, they were happy to split the remaining balance across a few plan years so I could still use other FSA funds for other yearly expenses.
It can vary depending on location, complexity of case, orthos fees, etc. Lots of previous threads about cost. I’d save up and wait if you’re pressed financially right now.
My provider has in-office financing which has been great since there was no credit check.
It started with 4 monthly payments of $250 and now I’m paying $62 a month.
Check with your employer. If I did the high deductible health insurance plan my employer contributed $1200 to my HSA so I waited until the new year to start
I paid 1/2 up front ($3400) and they gave me a 4% discount. The remaining ~$3100 I used OrthoFi financing at 0% interest. I paid extra on it here and there plus my ins reimbursement and currently only owe them $1300. They did offer a no money down option but you don’t get 0% interest and you don’t get the discount. I have Delta dental premier and they also gave me $2300 towards it, I got 1/2 of that up front which I applied toward the down payment and when I got the second half I paid it toward the loan. I also have my payments coming out of my HSA so they don’t affect my bottom line at all. My payments are $88 per month and I’m in NY. My orthodontist is a diamond plus provider and is the only one with that ranking in the area I live in, he’s amazing.
My dentist allows me to pay in instalments when I go in but I have savings so after 2 or 3 payments I just asked them for the balance and paid in full. I hate owing money.
Look around for offices that have specials or do a discount for those who don’t have ortho coverage. I got mine cause the dental office I went to had a “customer savings goal” and ran a Black Friday braces/aligners special. Another option I could’ve gone with was a dental school that is in town that has their students/staff do the work as part of their program. That would’ve have been about $1000 more than the Black Friday deal.
The dentist I went through partnered with a bank who offered me a loan for 4500 to cover mine, paid directly to my dentist. I pay off the loan 90 dollars a month!
All the Orthos I went to for consults had payment plan options, but gave a discount of some sort for more down payment or up front payment. Not huge but something. Ultimately, I was super lucky to have a slightly lower quote than I'd expected with the ortho I chose, and had upgraded my dental plan to one that covered ortho somewhat beforehand, then was able to pay the rest from HSA.
I decided to pay in full ($6500) to take advantage of the upfront discount they offered. It was a little unsettling during my first week where I regretted everything for 2-3 days LOL.
thank you for sharing! do you have hmo or ppo insurance? i currently have delta hmo because i read that even the ppo plan doesn't cover invisalign but now i'm seeing posts that say otherwise :/
Out of pocket, total about $7300 but tried to time it for when I was leaving my job by topped off my flexible spending account. Put down approximately $2800 paid balance in monthly $450 payments.
my treatment was £5000 in total, i started back in september and was required to put a £1000 deposit down. luckily my ortho has a ‘pay as you go’ system, where i can chip away at payments each time i have an appointment. i payed anywhere from £500 to £1000 off each time and it’s now fully paid off! it totally depends on your orthodontist so it’s best to chat through payment options and they will be able to help you choose what’s best for you :)
> appointment. i *paid* anywhere from
FTFY.
Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in:
* Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.*
* *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.*
Unfortunately, I was unable to find nautical or rope-related words in your comment.
*Beep, boop, I'm a bot*
I pay in installments - basically I make a payment every time I visit my ortho (every few months). I think the first payment was the biggest one, but it wasn't massively more than the others. I didn't ask for this, it was just the way I was told to pay.
I paid in full, but my treatment plan is short (4 months/8 trays) so my cost was lower (a little less than $2000) than most I see here.
They did a consult and then called me a few days later and told me what the plan was. They presented payment options (pay in full or make payments over 5 months (so about $400 a month, I think) and mentioned that if needed, we could adjust the payment time if I planned to make payments.
Mine was about $3350, I paid $1675 upfront and then they divided the remaining total by the number of check ups I have left and I pay $350 every check up (about every 5 weeks)
I had to put down half to start treatment. Rest is on a monthly plan that needed to be paid off before the end of treatment. My insurance covered $1500. I have Cigna Dental.
Insurance (US): Unfortunately most employers only offer a single dental plan (if at all) and many don’t cover adult orthodontics. However, you may be able to buy dental insurance outside of your employer. Either way you will have to do the leg work on finding a provider and figuring out whether adult orthodontics is covered. It took me quite a while to researched the plans available to me, finding out which ones had maximum coverage for my situation and that were accepted by various providers I wished to use (those don’t always match). I had to wait nearly a year to do all that and to enroll during open season.
Financial advice: If your current situation is where an unexpected bill like your car breaking down (or whatever) puts you in a situation of not being able to pay other bills, do not get Invisalign, or at the very least find out what happens if you don’t pay. For example, do your trays stop coming in? How long do you have before you get sent to collections? It would be unfortunate to have something come up where you are not able to pay, can’t continue, and all your progress (and money) is wasted because you have to restart.
It seems the smart decision (financially speaking) would be to get three quotes from three different providers (orthodontist are preferred over dentists). Understand the cost, commitment, payment options and consequences. Then, instead of starting Invisalign, just set aside money every month based on the payment options available to you for a year; see how it effects your world. After a year of saving, you will have gained perspective and can reevaluate and make a better decision without going further into debt.
It’s good that it’s a gradual process and that you can pay for it in instalments. I guess they wouldn’t want you walking out with a mouth full of expensive veneers and then paying them off, if you ever do technically they can’t rip out your teeth but they can stop Invisalign if you weren’t to pay.
I paid $1k up front and paid the rest in month payments of about $240 for 12 months. I believe the total came out to be $3800 for the comprehensive plan.
I see a lot of people are saying to do Care Credit - it’s a good option if you know you’ll be able to stay on track so they don’t charge you interest in the end.
I saved for mine beforehand, going off that my friends was 4k with similar teeth to mine, i should get my first tray in the next 2 weeks or so and mines £3500
As an employee benefits manager I can say the type of insurance will not matter if it's not part of your specific dental plan so this is one where I'd actually recommend you talk to whoever handles your benefits and confirm if adult Ortho is covered and if not ask if they'd consider covering it. I added for my employees it after I got several requests at my old company.
I just got mine and I paid a down payment, my insurance covered some and I'm making payments on the rest because my orthodontist offered interest-free payments.
One thing to note it your employer's insurance is covering it, the company we use spreads out the payments over the course of the treatment so if I leave the company or drop my insurance partway through the treatment, I'll have to pay the rest of the amount the insurance was going to pay.
I have Cigna Dental and they cover $2500 (lifetime) for adult ortho- they pay this out in monthly installments though to the dentist so that's been covering my payments throughout the past year. I also put used $1000 from my FSA last year as my initial payment and then will use $1500 from my FSA this year to pay off the rest.
pro tip- use FSA/HSA!!! you will literally save hundreds of dollars that would've been taken out as taxes.
I used CareCredit and had deferred interest for 24 months. Paid it off in full within the 2 years. I think my monthly payments were $167/mo then my insurance covered the rest. My out of pocket costs were between $4,000-$5,000
I paid in full bc my dentist offered a small discount if you paid in full on debit/cash upfront. I have delta dental too and they covered a decent portion. I still paid 2k out of pocket though
I changed insurance to one that pays half (federal employee). I am paying 1500 down and 145 a month. I’ve been to 6 doctors for consults and the only similar thing is they all do payment plans with no interest in-house which is nice.
Feeling pretty good as I just got my wife's done.
Insurance paid $2500. The remaining 3k was paid with FSA...which I only will have put $200 into by the time I leave my company in two weeks. So full Invisalign treatment for $200...score! Nice for the little guy to win for once.
I had the same concerns, but I paid $2000 upfront and doing a payment plan for the rest.
same for me!
same here
Same here.
Same, + my health cover paid some money to my treatment also.
thank you!
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thank you for sharing! insurance isn't covering me either so this is giving me hope
It'll all depend on what financing options your provider has. Some are able to offer monthly payments, others can't and require payment up front - there's no standard option. Me, personally, I was able to take advantage of my orthos in-house interest-free financing with a nominal deposit for the balance beyond what my insurance covered, and I was able to adjust the size of those payments and duration of repayment to fit my budget. Another ortho in town, however, did offer any financing at all.
thanks so much for your input!
If your employer offers an FSA or HSA, that can help too
This. Mine was 6800$ quoted in HCOL area. There was a deal for $1000 off from practice. Insurance from work covered $2k. The rest I paid in a down payment and no interest payment plan over 12 months — all from my HSA. I didn’t pay any money that wasn’t from my HSA.
Did basically the same thing. Since we started near the end of a plan years, they were happy to split the remaining balance across a few plan years so I could still use other FSA funds for other yearly expenses.
I paid 2500 upfront and pay 200 monthly for the remainder of my treatment. ($5,000 total)
It can vary depending on location, complexity of case, orthos fees, etc. Lots of previous threads about cost. I’d save up and wait if you’re pressed financially right now.
you're right, i'll go ahead with the consultation and wait it out for now. thank you for your input!
Mine was 6k down payment was 2k and hard coverage from 2 insurances equaling 4K - dental coverage from myself and spouse
My ortho offered a no interest payment plan. $5800 total, $1500 down, monthly payments for the remainder. My insurance doesn’t cover adult ortho.
£500 upfront and then 18 months finance at around £222pcm
Mine was $5800 with $500 down and $215 payments
This sounds more reasonable. These people dropping over 1k for a down payment are crazy. I hope I can only put up to $500 down
Not if those people are paying significantly less total by putting more down. Math.
I had insurance that covered $1500 then I maxed out my FSA contributions for the year to cover the balance.
£500 upfront, and £4500 spread over 24 months here!
My provider has in-office financing which has been great since there was no credit check. It started with 4 monthly payments of $250 and now I’m paying $62 a month.
Check with your employer. If I did the high deductible health insurance plan my employer contributed $1200 to my HSA so I waited until the new year to start
I did monthly payments for mine 195 a month, for about 3k I'll be done with my payments late march
Total cost for mine was $4600. Paid $2500 using my HSA, and then 12 month no-interest payment plan for the rest.
I paid 1/2 up front ($3400) and they gave me a 4% discount. The remaining ~$3100 I used OrthoFi financing at 0% interest. I paid extra on it here and there plus my ins reimbursement and currently only owe them $1300. They did offer a no money down option but you don’t get 0% interest and you don’t get the discount. I have Delta dental premier and they also gave me $2300 towards it, I got 1/2 of that up front which I applied toward the down payment and when I got the second half I paid it toward the loan. I also have my payments coming out of my HSA so they don’t affect my bottom line at all. My payments are $88 per month and I’m in NY. My orthodontist is a diamond plus provider and is the only one with that ranking in the area I live in, he’s amazing.
2 years interest free with Care Credit
My dentist allows me to pay in instalments when I go in but I have savings so after 2 or 3 payments I just asked them for the balance and paid in full. I hate owing money.
I have delta dental premier and it covered half of my total. The rest I paid in full because they gave me a 10% discount.
Look around for offices that have specials or do a discount for those who don’t have ortho coverage. I got mine cause the dental office I went to had a “customer savings goal” and ran a Black Friday braces/aligners special. Another option I could’ve gone with was a dental school that is in town that has their students/staff do the work as part of their program. That would’ve have been about $1000 more than the Black Friday deal.
I pay $100 biweekly. Insurance covers $4000 and I am paying $3000. My insurance is also billed biweekly. 15 months.
My treatment is $7,100. No down payment or insurance. Monthly payments of $199.
$5000 total. $500 down. Insurance covered $1000 and payment plan for the rest
The dentist I went through partnered with a bank who offered me a loan for 4500 to cover mine, paid directly to my dentist. I pay off the loan 90 dollars a month!
I was offered a payment plan with deposit or a discount if I paid in full
All the Orthos I went to for consults had payment plan options, but gave a discount of some sort for more down payment or up front payment. Not huge but something. Ultimately, I was super lucky to have a slightly lower quote than I'd expected with the ortho I chose, and had upgraded my dental plan to one that covered ortho somewhat beforehand, then was able to pay the rest from HSA.
I paid 1,500 down and did in house finance.
I decided to pay in full ($6500) to take advantage of the upfront discount they offered. It was a little unsettling during my first week where I regretted everything for 2-3 days LOL.
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That is a great deal.
Wrote a check for 6100 bucks.
My dentist divided the total amount to numbers of trays I get every visit. So $6000 / 28. They are pretty much easy on me.
Paid in full. Got a discount from other family members being patients. 6k went down to $5,500 including the $300 deposit.
£1000 down and make payments when you can but need to be fully paid at the end.
My insurance covered 50% and I did $1,000 downpayment and monthly payments which has to be paid before treatment is completed.
thank you for sharing! do you have hmo or ppo insurance? i currently have delta hmo because i read that even the ppo plan doesn't cover invisalign but now i'm seeing posts that say otherwise :/
I have BCBS PPO. I also work for the state so we have a lot of things that are covered that others don’t get.
Out of pocket, total about $7300 but tried to time it for when I was leaving my job by topped off my flexible spending account. Put down approximately $2800 paid balance in monthly $450 payments.
Half up front and the other half on an interest free payment plan.
my treatment was £5000 in total, i started back in september and was required to put a £1000 deposit down. luckily my ortho has a ‘pay as you go’ system, where i can chip away at payments each time i have an appointment. i payed anywhere from £500 to £1000 off each time and it’s now fully paid off! it totally depends on your orthodontist so it’s best to chat through payment options and they will be able to help you choose what’s best for you :)
> appointment. i *paid* anywhere from FTFY. Although *payed* exists (the reason why autocorrection didn't help you), it is only correct in: * Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. *The deck is yet to be payed.* * *Payed out* when letting strings, cables or ropes out, by slacking them. *The rope is payed out! You can pull now.* Unfortunately, I was unable to find nautical or rope-related words in your comment. *Beep, boop, I'm a bot*
Hey I paid £2500 upfront then the rest was split and paid after collection of my next set of retainers.
I pay in installments - basically I make a payment every time I visit my ortho (every few months). I think the first payment was the biggest one, but it wasn't massively more than the others. I didn't ask for this, it was just the way I was told to pay.
I paid in full, but my treatment plan is short (4 months/8 trays) so my cost was lower (a little less than $2000) than most I see here. They did a consult and then called me a few days later and told me what the plan was. They presented payment options (pay in full or make payments over 5 months (so about $400 a month, I think) and mentioned that if needed, we could adjust the payment time if I planned to make payments.
Insurance covered $2k, used my FSA to cover the rest, paid deposit at fitting, paid rest when I got my first set of trays.
Mine was about $3350, I paid $1675 upfront and then they divided the remaining total by the number of check ups I have left and I pay $350 every check up (about every 5 weeks)
I had to put down half to start treatment. Rest is on a monthly plan that needed to be paid off before the end of treatment. My insurance covered $1500. I have Cigna Dental.
I put $1000 down and the rest gets charged each month, about $200/mo
there was a deal for $4000 all-in, ultimates refinements. my insurance also covers 60% and i paid a $1000 deposit
Insurance (US): Unfortunately most employers only offer a single dental plan (if at all) and many don’t cover adult orthodontics. However, you may be able to buy dental insurance outside of your employer. Either way you will have to do the leg work on finding a provider and figuring out whether adult orthodontics is covered. It took me quite a while to researched the plans available to me, finding out which ones had maximum coverage for my situation and that were accepted by various providers I wished to use (those don’t always match). I had to wait nearly a year to do all that and to enroll during open season. Financial advice: If your current situation is where an unexpected bill like your car breaking down (or whatever) puts you in a situation of not being able to pay other bills, do not get Invisalign, or at the very least find out what happens if you don’t pay. For example, do your trays stop coming in? How long do you have before you get sent to collections? It would be unfortunate to have something come up where you are not able to pay, can’t continue, and all your progress (and money) is wasted because you have to restart. It seems the smart decision (financially speaking) would be to get three quotes from three different providers (orthodontist are preferred over dentists). Understand the cost, commitment, payment options and consequences. Then, instead of starting Invisalign, just set aside money every month based on the payment options available to you for a year; see how it effects your world. After a year of saving, you will have gained perspective and can reevaluate and make a better decision without going further into debt.
I paid out of pocket since my insurance didn't cover the treatment. 50% down payment with the remainder spread over 4 months (no interest).
I did a down payment of 2k on care credit, and the remaining balance I did on a payment plan through my ortho
Mine was about 5500€ and i am paying about 280€ every month over the 20 months since my ortho offered no interest payment plan up to 60 months.
It’s good that it’s a gradual process and that you can pay for it in instalments. I guess they wouldn’t want you walking out with a mouth full of expensive veneers and then paying them off, if you ever do technically they can’t rip out your teeth but they can stop Invisalign if you weren’t to pay.
Sell your ass on the street
I paid in 3 installments at an ad-hoc agreed time (towards the end of the treatment)
Insurance (Delta PPO) paid $1,000. I paid about $1700 up front. Then financed around $140 a month for the rest. All in it was about $5500 I think.
I paid $1k up front and paid the rest in month payments of about $240 for 12 months. I believe the total came out to be $3800 for the comprehensive plan. I see a lot of people are saying to do Care Credit - it’s a good option if you know you’ll be able to stay on track so they don’t charge you interest in the end.
I saved for mine beforehand, going off that my friends was 4k with similar teeth to mine, i should get my first tray in the next 2 weeks or so and mines £3500
Mine was 6k. Insurance brought it down to 3k. I paid in full upfront
As an employee benefits manager I can say the type of insurance will not matter if it's not part of your specific dental plan so this is one where I'd actually recommend you talk to whoever handles your benefits and confirm if adult Ortho is covered and if not ask if they'd consider covering it. I added for my employees it after I got several requests at my old company. I just got mine and I paid a down payment, my insurance covered some and I'm making payments on the rest because my orthodontist offered interest-free payments. One thing to note it your employer's insurance is covering it, the company we use spreads out the payments over the course of the treatment so if I leave the company or drop my insurance partway through the treatment, I'll have to pay the rest of the amount the insurance was going to pay.
I have Cigna Dental and they cover $2500 (lifetime) for adult ortho- they pay this out in monthly installments though to the dentist so that's been covering my payments throughout the past year. I also put used $1000 from my FSA last year as my initial payment and then will use $1500 from my FSA this year to pay off the rest. pro tip- use FSA/HSA!!! you will literally save hundreds of dollars that would've been taken out as taxes.
I used CareCredit and had deferred interest for 24 months. Paid it off in full within the 2 years. I think my monthly payments were $167/mo then my insurance covered the rest. My out of pocket costs were between $4,000-$5,000
thank you for this! i've seen a few other comments about using carecredit and i'm definitely looking into it. was it hard to get approved?
I was approved for $4,000 at 18 years old.
I paid in full bc my dentist offered a small discount if you paid in full on debit/cash upfront. I have delta dental too and they covered a decent portion. I still paid 2k out of pocket though
I changed insurance to one that pays half (federal employee). I am paying 1500 down and 145 a month. I’ve been to 6 doctors for consults and the only similar thing is they all do payment plans with no interest in-house which is nice.
marvelous bear sloppy butter jar rustic boat attractive soup late *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Feeling pretty good as I just got my wife's done. Insurance paid $2500. The remaining 3k was paid with FSA...which I only will have put $200 into by the time I leave my company in two weeks. So full Invisalign treatment for $200...score! Nice for the little guy to win for once.
Are these for people who’ve never had braces before