Insurance & Finances

Payment Plans

Everyone should have access to orthodontic treatment.

Our office is dedicated to making orthodontics available to everyone who wants and needs treatment. Although fees depend on the complexity of each case, we can arrange a personalized payment plan for you.

We offer several payment plans to fit your budget and we're happy to discuss them with you during your first visit or anytime during your pretreatment observation period.

Our plans include:
  • No-interest monthly payment plans
  • A one-time, pay-in-full payment at the start of treatment


Orthodontic benefits can be difficult to understand, but we can help.

Our office will contact your insurance company to get a copy of your eligibility and benefits. Orthodontic insurance pays over the course of treatment and your benefit amounts and payment schedules are determined by the terms and conditions of your policy – not by our office.

If you have any questions about the insurance contribution towards your treatment, we're happy to submit a pre-determination on your behalf.

Whenever possible, we'll take assignment of benefits in our office, but if your benefits will be paid to you directly, our office will submit all claims on your behalf.

Since orthodontic benefits are paid out over the course of treatment, which may encompass more than one benefit year, the insurance would need to remain in place and unchanged in order to receive the amount available at the start of treatment.

Sometimes other factors could affect your insurance benefits, including:

  • When your employer changes your insurance carrier, reducing or eliminating your orthodontic benefits
  • When Employer change during treatment
  • If other services are combined with your orthodontic benefits (ex., extractions, TMJ/TMD)

If you have a change in your insurance during treatment, please let us know as soon as possible so we can submit a new claim form, if necessary.


FLEX, HSA and HRA plans are great because they allow your family to set aside pre-tax dollars to pay for your out-of-pocket medical and dental expenses.

It's important to understand the specific rules governing the reimbursement of the orthodontic services because treatment is rendered over time and may encompass more than one benefit year.

Check with your plan’s administrator to know when your funds will be available, how and when services will be reimbursed, and what documentation you’ll need. If you need help understanding your plan’s guidelines, please call our financial coordinators and they'll be happy to help.

Do you need to set aside funds for orthodontic treatment?

Appointments scheduled for pre-treatment observation are excellent opportunities to plan ahead for the coming year.

If you're eligible for a flexible spending account, please make sure that you make an appointment well in advance of the enrollment deadline. We'll do our best to estimate your anticipated expenses for the coming year.