How to Budget For a Retainer

Like many important purchases, retainers are not always affordable. Orthodontic care can be an expensive proposition. Budgeting for a retainer is an essential part of the care continuum. After you’ve spent money on braces or clear aligners to straighten your teeth, a retainer will help keep that investment in place. Whether you’ve recently completed orthodontic treatment or are considering it in the future, it’s essential to budget for a retainer to protect your investment and enjoy the long-term benefits

Understand the cost

The first step in budgeting for a retainer is understanding how much retainers cost. Retainers vary in price depending on the type and complexity of your case and the material used. Talk to your orthodontist or their office staff for a precise retainer cost estimate. They can provide you with specific information tailored to your needs and guide you through the process.

Cost comes into play when determining whether to get a permanent or removable retainer. A permanent bonded retainer can run you anywhere from $150 to $500 or more. A removable retainer could cost from $300 to $600 or more. 

Also take into account how much invisible aligners cost. The amount you spent on your aligner treatment could impact how much you can spend on a retainer.

Be proactive

If you anticipate needing a retainer as part of your orthodontic treatment, it’s best to plan ahead and start budgeting early. Remember: a retainer is an essential part of the orthodontic process. You should budget for the retainer as part of your overall budget for the entire treatment duration. As soon as you begin orthodontic treatment, inquire about the retainer cost and include it in your overall treatment budget. This will help you allocate funds accordingly and avoid any financial surprises down the line.

Research insurance coverage

Not all health insurance providers are created equal. Some insurance companies may cover a portion of the retainer or the full cost, or they may not cover any expenses. An insurance provider often covers retainers if they are deemed medically necessary following orthodontic treatment. 

Not all orthodontists are the same, either. Make sure you choose an orthodontist who accepts your insurance. Pick a provider that takes several different types of insurance in the event your insurance changes unexpectedly. Review your insurance policy or contact your insurance provider directly to understand the extent of coverage and any potential limitations or requirements.

Ask about payment plans

Some orthodontists offer payment plans for care. You can score a flexible payment plan or other financing option that makes your retainer far more affordable. Such a policy may extend to the entire treatment duration and include all aspects of care. Breaking payments into monthly installments can make budgeting more realistic and avoid any of the financial strain that comes with trying to afford a huge lump-sum payment. 

Cut back a little bit

If needed, you may need to make some decisions about cutting costs in your daily life. Your retainer represents the only way to protect your significant investment in straightening your teeth and should be a higher priority than more fun purchases. If the above options still aren’t enough to help you afford your retainer, it may be wise to temporarily pause purchases such as video games, nice dinners or fancy furniture. Those purchases can come after you’ve secured a retainer to keep those teeth straight.

Talk to your orthodontist

Be open and honest with your orthodontist. They are aware of the cost of treatment and understand the struggles some people may have. Your orthodontist wants to help and should be able to provide invaluable advice and resources to ensure you can afford your new retainer. 

Bottom line

Remember, a retainer is an essential component of your orthodontic treatment journey. By planning ahead, researching costs, exploring payment options and creating a dedicated budget, you can effectively budget for a retainer and even a replacement retainer. You will ensure that you can afford this vital part of maintaining your beautiful smile.