David Imrie

Nothing boosts confidence more than an amazing smile—that’s why thousands of Canadians visit the orthodontist each year to have braces put on. While there are a few other options for straightening teeth, such as clear aligners or a retainer, few are as effective as braces. And, in some cases, braces are the only option.

 

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If you’ve been considering braces, your largest concern is likely the cost. Costs do vary depending on your location, the severity of your case, and what kind of insurance coverage you have; however, the base costs are seemingly always more than people expect.

 

So, how much are braces in Canada and how can you pay for them?

WHY BRACES?

There are a number of different reasons why people consider getting braces; however, a great smile is often the number-one sought-after benefit. Having a beautiful smile gives people confidence, helps them feel more comfortable, and some studies even suggest attractive people are more successful. If you ask most people why they decided to get braces, the most common response is, “I wanted a killer smile.”

 

There are some other reasons for getting braces, however, such as correcting overbites and underbites, correcting crooked or overcrowded teeth, or aiding in disorders of the jaw joints. If left untreated, these common dental problems can lead to a number of more serious conditions such as tooth decay, headaches, gum disease, or even speaking, eating, and chewing problems. While a great smile is one of the most popular benefits, overall jaw, gum, and tooth health is another great benefit of braces.

HOW MUCH ARE BRACES IN CANADA?

If you’re asking yourself, “how much are braces in Canada?” the answer is unfortunately unclear. The cost varies depending on the severity of your dental situation. For instance, if your teeth are somewhat straight and you need only a few minor adjustments, it will cost less than if you needed major mouth-altering work done. It also depends on your location, as orthodontists in larger cities often cost more than those in rural clinics. Lastly, it also depends on what type of insurance coverage you have to help cover some of the costs.

 

While there are a few different types of braces, traditional metal braces cost anywhere between $3,000 and $7,000.

HOW CAN YOU PAY?

There are a number of different options one should consider when it comes to paying for braces. It’s important to note that each one has pros and cons.

 

Payment Plans: Most dental clinics or orthodontist offices will offer patients some type of payment plan. This allows patients to break the cost up over a number of months so there isn’t one overwhelming payment.

 

Orthodontist in Training: An orthodontist in training allows a student orthodontist to complete your braces, under the supervision of an experienced orthodontist. Many universities have dental or orthodontist schools that offer such services at a lower cost.

 

Traditional Insurance: Some traditional insurance plans will offer some type of coverage towards the cost of braces, but the extent of the coverage varies. Some plans don’t cover anyone over the age of 18, while others will cover up to 50 percent. Some have a maximum of $1500 in coverage.

PAY WITH AN HSA

One of the best ways to pay for braces is with a health spending account (HSA). An HSA allows its users to use their health spending dollars however they see fit on any CRA-approved medical expense. Considering orthodontist visits and services are approved for coverage, anyone covered with an HSA is free to use spending dollars to cover the cost of braces. So whether you’re looking to cover your child, yourself, or your spouse, coverage is guaranteed.

Don’t stress over how much braces are in Canada—get started with an HSA today and get your smile covered!


All The Health Benefits Your Employees Need and Want

David Imrie

Dr. David Imrie founded RHSA Canada in 2009. Dr. Imrie is a medical doctor and former health insurance professional who has a passion for helping small businesses reduce their healthcare costs. As an executive in the insurance industry, he was shocked to find that so many common healthcare services are covered only partially by most insured plans, when employees were entitled to 100% coverage for all prescription drugs, dental services, and other healthcare expenses. Since leaving the insurance industry in 2001, Dr. Imrie committed to using newer technology to develop a better alternative program for small business health benefits.
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