What Are Payment Plans for Jaw Surgery?

What Are Payment Plans for Jaw Surgery?

Financing orthognathic surgery is possible with proper planning. Here are the payment options available.

Many patients cannot pay for jaw surgery upfront. Here are the most common ways to finance treatment:

• 1. In-office payment plans:
• Many oral surgeons offer interest-free in-house financing
• Typically requires a down payment (20–50%)
• Remaining balance paid over 6–24 months
• Must check with the specific practice

• 2. Medical credit cards:
• CareCredit (most popular)
• Alphaeon Credit
• Wells Fargo Health Advantage
• Often offer 0% interest for 6–24 months if paid in full
• Deferred interest — if not paid in full, interest is charged from the start

• 3. Personal loans:
• Banks, credit unions, or online lenders
• Fixed interest rates (6–20% depending on credit)
• Loan amounts from $5,000–$50,000
• Terms of 2–7 years

• 4. Health Savings Account (HSA) or Flexible Spending Account (FSA):
• Pre-tax dollars
• HSA funds roll over year to year
• FSA funds typically must be used within the plan year
• Can be combined with other payment methods

• 5. Home equity loan or line of credit:
• Lower interest rates
• Uses your home as collateral
• Interest may be tax deductible

Maximizing Affordability

• Start saving early (during the 12–18 months of pre-surgical braces)
• Ask about cash discounts
• Combine financing with insurance reimbursement
• Negotiate bundled pricing for the surgery and orthodontics

Clinical Guidance

Multiple payment options exist for jaw surgery, including in-office plans, medical credit cards, personal loans, and HSA/FSA funds. Research your options early in the treatment planning process to find the best approach for your budget.