Orthodontic Financing and Insurance Options
At Smile & Co. Orthodontics, we believe everyone deserves access to high-quality orthodontic care, without financial stress getting in the way. Your smile is an investment in your health, confidence, and overall well-being. That’s why Dr. Sam Kadan or Dr. Nicolette Almer offer flexible financing options designed for real families with real budgets. Whether you’re choosing braces for your child or considering Invisalign® for yourself, we make getting started simple, comfortable, and affordable.
How Can I Make My Orthodontic Treatment More Affordable?
We believe financial challenges should never stop you from getting the smile you deserve. Orthodontic treatment is an investment in dental, medical, and emotional wellness, so we proudly offer multiple ways to make it fit your budget.
Our Flexible Financing Options Include:
Interest-free in-house financing with automated electronic payments
Low down-payment plans spread out over your treatment timeline
Full-payment courtesy for paying in advance
No-money-down third-party financing
Multi-family-member discounts
Acceptance of many orthodontic insurance plans
During your consultation, we’ll review your personalized treatment plan and help you choose the payment path that works best for your family.
What Payment Methods Do You Accept?
To keep things simple and stress-free, we accept:
- Automatic drafts from checking accounts
- Monthly credit-card payments
- All major credit cards (Visa, MasterCard, American Express, Discover)
- Secure online payments through our patient portal
If you need a customized plan, just let us know, we’re here to help.
What Is CareCredit® and How Does It Work?
CareCredit® is a popular third-party financing option accepted at over 150,000 locations nationwide. It can make orthodontic care, and even other medical or veterinary services, more affordable with:
- 0% interest for up to 24 months on approved orthodontic treatments
- A low 14.90% APR for extended plans up to 60 months
- A personal line of credit you can use for qualifying expenses
CareCredit® lets you start treatment right away with no money down, giving families extra flexibility.
What Does My Orthodontic Investment Include?
Your fee includes complete care from start to finish:
- Expert supervision by our doctors
- All routine visits and adjustments
- Emergency care at no additional charge
- One set of final retainers
We’re committed to clear, honest pricing with no hidden fees.
When Will I Learn About My Costs and Payment Options?
You’ll receive a full cost estimate during your complimentary consultation. We review:
- Your recommended treatment
- All fees
- Available discounts
- Financing options, including in-house and CareCredit®
- Insurance expectations
Every case is different, and fees vary based on the type of treatment needed.
Do You Work with Insurance or Health Savings Plans?
Yes! We accept many orthodontic insurance plans and are happy to help you maximize your benefits. Please bring your current insurance card to your first visit, and let us know right away if your coverage changes.
If your plan allows assignment of benefits, we’ll file claims for you. If not, we provide everything you need to submit your claim directly. We also accept FSA and HSA funds to make treatment even more affordable.
Frequently Asked Questions
At Smile & Co. Orthodontics, we want every family to feel confident about the financial side of treatment. This FAQ section answers the most common questions about orthodontic costs, insurance, and affordable payment options. Our goal is to make braces or Invisalign® simple, transparent, and stress-free, so you can focus on achieving a smile you love.
How much do braces or Invisalign® usually cost in my area?
Many patients search for average price ranges before scheduling a visit. This FAQ helps address common expectations around costs for braces, Invisalign®, and other orthodontic treatments in your region.
Does orthodontic insurance cover adult treatment, or only kids?
Many insurance plans today cover orthodontic treatment for adults, not just children. Coverage varies, but at Smile & Co. Orthodontics, we’re happy to check your benefits and help you understand exactly what your plan will contribute. You might be surprised at how much support is available for adult braces or Invisalign®!
Can I use FSA or HSA funds to cover monthly orthodontic payments?
Yes! Most Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) allow you to use tax-free dollars toward orthodontic care. Many patients use these funds to cover monthly payments, lower their out-of-pocket costs, or pay down their total balance faster. We’ll help you maximize every benefit available.
Do Medicaid or state insurance plans cover braces in this area?
Coverage through Medicaid or state dental programs depends on specific medical guidelines. While not all cases qualify, many families search for orthodontists who understand local requirements. If you’re unsure whether your child meets the criteria, we’re happy to guide you through the evaluation process and explain your options.
Is Invisalign® more expensive than braces?
In many cases, Invisalign® and braces are similar in cost, especially when supervised by experienced orthodontists like Dr. Sam Kadan or Dr. Nicolette Almer. The total investment depends on the complexity of your case. During your complimentary consultation, we’ll compare both options and help you choose the treatment that fits your lifestyle and your budget.