How to Finance Orthodontic Procedures in Singapore

Orthodontic procedures are crucial for maintaining oral health and achieving a confident smile. In Singapore, these treatments are increasingly sought after, but the cost can be a significant concern for many.

Understanding the financial aspects of orthodontic care is essential to make informed decisions. This article aims to guide you through the various options made available by orthodontists in Singapore.

Why You Shouldn’t Wait to Visit an Orthodontist

Delaying a visit to the orthodontist can lead to complications. Orthodontic issues, such as misaligned teeth or bite problems, can worsen over time, potentially leading to more extensive and costly treatments.

Moreover, untreated orthodontic issues can cause difficulties in chewing, speech problems, and a higher risk of tooth decay and gum disease due to the challenges in maintaining oral hygiene.

Early intervention in orthodontic care is not just a preventive measure but a proactive step towards better oral health. Addressing orthodontic issues at an early stage can significantly reduce the duration and intensity of the treatment. For children and teenagers, early orthodontic evaluation is especially beneficial. Their growing jaws and developing teeth can be guided more easily into favourable positions, potentially averting the need for more aggressive treatments later in life.

For adults, early intervention can still play a crucial role. While adult orthodontics might involve a longer treatment period compared to children, starting sooner rather than later can prevent the conditions from worsening and becoming more complex to treat.

How Much Do Orthodontic Procedures Cost in Singapore?

The cost of orthodontic procedures in Singapore varies based on the type of treatment and the complexity of the case.

Traditional metal braces, for example, can range from $3,000 to $7,000. More advanced options like Invisalign or lingual braces tend to be pricier, potentially reaching $10,000 or more. These estimates include consultation fees, x-rays, the braces themselves, regular adjustments, and post-treatment retainers.

Factors Influencing the Cost of Orthodontic Procedures

When considering orthodontic treatment, it’s crucial to understand that several variables play a role in determining the overall cost.

These factors can significantly influence the final bill, and being aware of them can help in making an informed decision.

  1. Orthodontist’s Experience and Expertise: The level of experience and expertise of the orthodontist is a primary factor that affects cost. Highly experienced orthodontists, particularly those who are well-regarded or specialize in complex cases, typically charge more for their services.
  2. Location of the Dental Clinic: The geographical location of the clinic is another significant factor. Clinics in prime areas or central business districts often have higher operational costs, which can be reflected in their pricing. Conversely, clinics located in the suburbs or less central areas might offer more competitive rates.
  3. Duration and Complexity of the Treatment: The length and complexity of the orthodontic treatment play a substantial role in cost determination. Complex cases requiring longer treatment periods, more frequent adjustments, or specialized techniques will inevitably cost more. The type of braces or aligners used also affects the price. For instance, traditional metal braces are generally less expensive than newer technologies like ceramic braces or Invisalign.
  4. Additional Procedures Required: Sometimes, additional dental procedures are necessary before or during orthodontic treatment. This may include tooth extractions, dental imaging, or preparatory treatments to address gum disease. These procedures add to the overall cost of the orthodontic treatment.
  5. Aftercare and Follow-up: Post-treatment care, including retainers and follow-up visits, also factors into the overall cost. Retainers are crucial for maintaining the results achieved through orthodontic treatment, and their cost can vary depending on the type required.
  6. Quality of Materials and Technology Used: The quality of materials used for braces, aligners, and other orthodontic appliances can affect the price. Higher-quality materials, which are often more durable and aesthetically pleasing, tend to be more expensive. Additionally, clinics that utilize advanced technology for diagnosis and treatment might charge more, but these technologies can enhance treatment efficiency and comfort.

Does Health Insurance Cover Orthodontic Treatments?

In Singapore, health insurance coverage for orthodontic treatment is not straightforward. Most basic health insurance policies do not cover orthodontic procedures as they are often considered cosmetic. However, some insurance plans offer riders or additional coverage for dental treatments, including orthodontics.

Patients should carefully review their insurance policies or speak directly with their insurance providers to understand the extent of their coverage. It’s also wise to inquire if the orthodontic clinic has partnerships with insurance companies to facilitate direct billing or claims.

What Are Possible Payment Plans?

Recognizing the financial burden of orthodontic treatments, many dental clinics in Singapore offer various payment plans to ease the load. These plans typically allow patients to pay in instalments over the course of the treatment, rather than a lump sum upfront.

Here are some common options:

In-house Payment Plans

Some orthodontic clinics offer their own payment plans, allowing patients to make monthly payments. These plans may require a down payment and could be interest-free, depending on the clinic’s policy.

Medical Credit Cards

Certain financial institutions offer credit cards specifically for medical expenses, including dental treatments. These cards often come with interest-free periods, but it’s crucial to understand the terms and conditions to avoid high-interest rates post the promotional period.

Personal Loans

For those who prefer not to use a medical credit card, personal loans can be an alternative. Banks and financial institutions in Singapore offer personal loans that can be used for medical expenses, including orthodontic treatments. Comparing interest rates and repayment terms across various lenders is essential to find the most suitable option.


While Medisave, Singapore’s national savings scheme, generally does not cover dental treatments, it can be used in specific situations, such as surgical procedures to address dental issues. Patients should consult with their orthodontist and the clinic’s administrative staff to understand if their treatment is eligible for Medisave claims.

Final Thoughts

Financing orthodontic procedures requires careful consideration and planning. While the costs can be substantial, understanding the various financing options available can make orthodontic care more accessible and manageable.

Patients should not hesitate to discuss financial concerns with their orthodontist, as most clinics are willing to work with patients to find a suitable payment solution. Remember, investing in orthodontic treatment is not just about aesthetics; it’s an investment in your overall oral health and well-being.


Denisse loves reading and writing about culture, history, and politics. Outside writing articles for The Singaporean, Denisse enjoys musicals, gaming, and Harry Potter.

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