How to Financially Prepare for Invisalign

Invisalign is a popular way to straighten your smile primarily because it's an aligner that won't be as visible as traditional braces. The cost of this option isn't much different from that of metal braces with both options ranging between $4,000 and $7,500. The expense can be prohibitive for people with few financial resources, but there are methods for preparing for the cost that can allow you to budget for the Invisalign device.

Reduce Your Costs

Most people don't realize that they can save on the cost of getting Invisalign for their teeth by doing some research. As you consult with the best dentist in Cary NC, ask about payment options. Your dentist may offer you a discount on the overall cost to help you stay within your budget. Another option to consider is to contact an area dental school and ask about their rates. Often, dental schools will offer services, such as fitting Invisalign devices, at a lower rate since their students will be performing the work. The students are nearing graduation when they are permitted to work with real patients and their work is overseen by their instructors. Another option is to visit another dentist to get a second opinion. They may quote you a lower rate or have other payment options for you to consider.

Save Your Money

As long as you have some disposable income each pay period, you should be able to save up to cover the costs of getting fitted for Invisalign. The best way to save for this procedure is to open a health savings account or HSA. Your employer may offer one, or you can find HSA plans through an online search. The advantage of a health savings account is that your contributions are tax-exempt, and the money can be used tax-free on any health-related expenses you choose. This does include dental care, such as dental implants or braces. Much like a retirement savings account, the IRS limits how much you can contribute to an HSA each year. Currently, that limit is $7,200, but that's enough to cover your Invisalign costs.

Consider a Loan

Another option is to consider borrowing the money. You can ask family or friends to loan you the money and set up a repayment plan with them. You can also choose a more formal borrowing option by taking out a personal loan with a lender. While this will help you get your Invisalign device sooner, you should be wary of any loan terms to which you agree. It's a good idea to shop around for the lowest interest rates and the shortest repayment terms. While your payments will be larger with a shorter loan, you'll be paying less in interest overall.

Launch a Crowdfunding Campaign

A popular alternative that many people try is to launch a crowdfunding campaign that collects donations from multiple people. This is especially useful if you have a large social media following. As you set up the crowdfunding campaign, share your problem and explain that you want to be able to get the Invisalign device. Crowdfunding can take longer, but it allows you to raise the money you need without having to worry about paying it back. Just be sure to read the terms carefully. Some crowdfunding platforms won't allow you to collect any donations unless you reach your target amount. Additionally, the fees that each platform charges are different, so know what you'll be expected to pay to collect your money in advance.

It may take a little longer to save up for Invisalign than you expect, but it will be worth it. Once you begin wearing the device and feel it working, you'll begin to feel more self-confident in your appearance. Your teeth will gradually get straighter and that can leave you with a smile that you'll be happy to share.