Posts for: February, 2015
Her parents Will and Jada are Hollywood royalty, who helped her land her first acting role when she was 7. She released a hit single, “Whip My Hair,” before she had quite reached the age of 10; shortly afterward, she was signed to a record label. Yet the young singer and actress Willow Smith has at least one thing in common with plenty of ‘tweens and teens across America: She needed to wear braces to correct problems with the alignment of her teeth.
Why do braces seem to be a part of growing up for so many kids? One answer is because they work so well. Braces apply gentle pressure to the teeth through a thin, flexible wire called an archwire. Attached to the teeth with a metal or ceramic bracket, the archwire exerts a light force which causes teeth to gradually move into better positions. Sometimes, when additional force is needed, elastic bands or other appliances may be used in conjunction with braces.
Most everyone is familiar with the silvery metal “tracks” of traditional braces. But did you know that there are a number of other options too? For a more inconspicuous look, you may be able to have braces with tooth-colored ceramic brackets; then, only the thin archwire will be visible in your mouth. It’s even possible in some cases to place the metal wires and brackets on the tongue side of the teeth. With this system, called lingual braces, the orthodontic hardware is truly invisible.
What if you didn’t need metal braces at all? Some people can get good results using a system of clear plastic aligners instead of braces. The aligners are worn 23 hours a day, but can be taken off for cleaning and for important events. They work best for correcting mild or moderate alignment problems.
Still, plenty of people feel that if they’re going to wear braces, they might as well flaunt them. That’s why some types of braces are available with bands that come in different colors. When Willow’s brother Jayden wore braces, he was reported to favor red and black ones. Jayden, who is about two years older than his sister, had his braces removed just before Willow got hers put on.
So if it turns out that you need braces, remember that lots of your favorite celebrities wore them too. And keep in mind that, depending on your own situation, you may have several options to choose from.
If you would like more information about braces or orthodontic treatment, please contact us or schedule an appointment for a consultation. You can learn more by reading the Dear Doctor magazine articles “The Magic of Orthodontics” and “Orthodontics for the Older Adult.”
Dentistry can accomplish some amazing smile transformations. But these advanced techniques and materials all come with a price. Additionally, your dental insurance plan may be of limited use: some procedures may not be fully covered because they’re deemed elective.
It’s important then to review your financial options if you’re considering a major dental procedure. Here are a few of those options with their advantages and disadvantages.
Pay Up Front. It may sound old-fashioned, but saving money first for a procedure is a plausible option — your dental provider, in fact, may offer a discount if you pay up front. If your condition worsens with time, however, you may be postponing needed care that may get worse while you save for it.
Pay As You Go. If the treatment takes months or years to complete, your provider may allow you to make a down payment and then pay monthly installments on the balance. If the treatment only takes a few visits, however, this option may not be available or affordable.
Revolving Credit. You can finance your treatment with a credit card your provider accepts, or obtain a medical expenditure card like CareCredit through GE Capital that specializes in healthcare expenses. However, your interest may be higher than other loan options and can limit the use of your available credit for other purchases. In addition, some healthcare cards may offer interest-free purchasing if you pay off the balance by a certain time; however, if you don’t pay off the balance on time, you may have to pay interest assessed from the date you made the purchase.
Installment Loans. Although not as flexible as revolving loans, installment loans are well-suited for large, one-time purchases with their defined payment schedule and fixed interest rate. Some lenders like Springstone℠ Patient Financing specialize in financing healthcare procedures, and may possibly refinance existing loans to pay for additional procedures.
Equity Loans. These loans are secured by the available value in an asset like your home. Because they're secured by equity, they tend to have lower interest rates than credit cards or non-secured installment loans. On the downside, if you fail to repay, the lender can take your property to satisfy the loan.
To determine the best financing route for a dental procedure, be sure to discuss your options with your financial advisor and your dental provider.
If you would like more information on financing dental care, please contact us or schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine article “Financing Dental Care.”