Having orthodontic insurance doesn’t necessarily mean that you never have to worry about paying for dental costs. Most dental plans require the patient to pay some out-of-pocket expenses; these can range from co-payments for each visit to sharing the burden of costs for surgeries and other major dental treatments.

The cost of treatment is a barrier for many people, even if they have a dental PPO or other dental insurance plan. However, there are some ways that you can limit the impact of out-of-pocket dental treatment costs to ensure you get the treatment you need to protect your dental hygiene. One example is a flexible spending account provided by a growing number of companies. These accounts allow employees to contribute a set amount from each paycheck to a tax-free healthcare spending plan which can be used for co-payments and other dental procedures.

Another option to help pay for major dental treatment is to use a health credit card. Companies like Citi offer cards which provide low interest rates for health procedures like dental treatments. In addition, your dentist’s office might also offer financing to help you with costs that are beyond what is covered by your dental health insurance plan. It’s a good idea to talk to your dentist before any treatment to review different payment options and potential plans.

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