The orthodontist quotes one number; insurance and FSA/HSA funds change what you actually pay — and what you owe each month.
Enter your quote to plan
We'll split the quoted total into a monthly payment and show what insurance and tax-free dollars cover.
ESTIMATED MONTHLY PAYMENT
$0
Where the money goes
Treatment
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Quoted total
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Insurance pays (ortho benefit)
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Your remaining balance
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FSA / HSA covers
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Cash you owe
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Down payment
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Financed balance
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True out-of-pocket
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Before you sign
Ortho benefits are lifetime, not annual. A $1,500 ortho max is once per person, ever — check how much is left before you plan.
Ask about the in-office payment plan. Many orthodontists split the balance interest-free over treatment.
FSA/HSA dollars are still your money — they're just pre-tax, so the real cost is a bit less than it looks.
Retainers and follow-up visits may bill separately from the quoted total.
Treatment types show typical U.S. price ranges as reference only — your plan uses the quote you enter. The ortho benefit is applied as a flat lifetime maximum against the quoted total (real insurers often pay it out in installments, but the total is the same). FSA/HSA funds reduce the cash you owe but are your own pre-tax money. Monthly payment spreads the remaining financed balance evenly over the months you enter. Estimates only — confirm the payment plan, what's included, and the insurance payout schedule with the orthodontist and your insurer. A cost plan is not dental advice.
Braces Cost Plan — Treatment
Quoted total
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Insurance ortho benefit
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Monthly payment
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True out-of-pocket
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Estimates only — confirm the payment plan and insurance payout schedule with the orthodontist and your insurer. Printed from Honed Proof.
Honed Proof provides health information for general purposes only — not medical advice, diagnosis, or treatment. Always talk to a qualified health professional about your own care.
Honed Proof