Orthodontic Cost Calculator
Calculate the total cost of braces or clear aligners (Invisalign), factoring in insurance lifetime orthodontic benefits, down payments, and monthly financing terms.
Care Cost Summary
Orthodontic Financing Formula
Monthly Payment = [Total Price - Insurance Benefit - Down Payment] × [r(1+r)^n / ((1+r)^n - 1)]- Gross Treatment Price: Full comprehensive orthodontic treatment fee.
- Lifetime Ortho Benefit: Most dental plans have a one-time lifetime orthodontic cap ($1,000–$2,500).
- Financed Balance: Remaining patient balance split across 12, 24, or 36 months.
- Retainers: Post-treatment retention hardware costs.
Step-by-Step Worked Example
Calculation Steps:
- Net Financed Principal = $5,500 - $1,500 - $1,000 = $3,000.
- Monthly Payment = $3,000 / 24 months = $125.00/month.
- Total Financing Interest = $0.
- Total Patient Out-of-Pocket = $1,000 down + $3,000 payments + $400 retainers = $4,400.
How to Use This Calculator
- 1Select your orthodontic treatment type (traditional braces or clear aligners).
- 2Input the total quoted treatment price from your orthodontist.
- 3Enter your dental insurance lifetime orthodontic benefit allowance.
- 4Choose your financing term in months and interest rate.
Assumptions & Limitations
- Lifetime orthodontic insurance benefits are typically non-renewing one-time allowances.
- Many orthodontic clinics offer interest-free in-house financing with an initial down payment.
Frequently Asked Questions
Does dental insurance cover adult braces?
Many standard employer dental plans limit orthodontic coverage to dependent children under age 19. Check your policy benefits to verify if adult orthodontia is included.
Can I pay for braces with an HSA or FSA?
Yes. Orthodontic treatment (including traditional metal braces and clear aligners like Invisalign) is an eligible medical expense under both HSAs and FSAs.
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