I took my daughter to her orthodontist appointment today. She's going to have braces put on in 2.5 weeks. We're both very excited!!

Okay, I was less excited after they handed me the bill. But, while we waited for the total, I told my daughter we were getting braces regardless of the cost. It is simply that important. In the long term, it is actually a good investment in her health. She was pleased.

I know you want the details, so here they are:

Total $4800.00
Insurance $1020.00
Our Total $3780.00

I have to pay $780 at the end of this month when we have the braces put on. The remaining $3000, will be paid in monthly installments of $125 for 24 months!

Our insurance has a lifetime maximum of $1500 for orthodontic treatment and we used the $380 towards the headgear. I'm just realizing if she needs a retainer after the braces, that cost will be all ours.

I know I can manage the $125/month, so that is good. Of course, knowing me I will pay it off early!!

I didn't think to ask about a discount for payment in full. I don't really want to pay in full, but it would be nice to know if that were an option and how much it might save me!