Payment Options

Orthodontic treatment is an excellent investment in the overall dental, medical and psychological well being of children and adults, and financial considerations should not be an obstacle to obtaining this important health service.  Being sensitive to the fact that different people have different needs in fulfilling their obligations, we provide many payment options.

We consider the total fee for orthodontic treatment, less any orthodontic insurance coverage you may have, to assess the patients financial responsibility. Once we obtain that number we do offer discounts for paying in full as well as a discount for treating multiple family members.  Payment options are as follows:

Option #1 - Payment in Full

We extend a 10% courtesy discount off the patient's responsibility for paying the treatment cost in full the day that the treatment is started when paying with cash or check.  If paying in full with a credit card, the courtesy discount is 7%.  (This discount is only valid in partnership with the family discount and no other offers.)

Option #2 - Financing Your Orthodontic Treatment

Capital One Healthcare Finance

· Patients/ Parents can call Capital One 1 (877) 559-5050 for pre-approval prior to their first visit.  At the initial exam we will assess the treatment and cost, and that is the amount that will be acceptable for financing, based on credit worthiness.

· Payment plans ranging from 18-60 months with low monthly payments.
(This includes a minimal finance charge ranging from 1.99% to 23.99%)

· There are 3, 6, and 12-month interest-free loans available to those who qualify.

· Rate and payments are fixed throughout the term of your loan

· Prepayments can be made anytime without penalty.

· Fast, confidential service by phone 1 (877) 559-5050 or online at www.capitalonehealtcarefinance.com

CareCredit

§    CareCredit is a convenient, low minimum monthly payment program for your entire family specifically designed to pay for healthcare and elective treatment not covered by insurance.

§    There is no down payment required

§    Two types of payment plans:

§    No Interest: 3, 6, or 12 months (if paid within the promotional period; minimum monthly payment required).

§    Low Interest: 24, 36, 48, or 60 months with a fixed 11.90% APR

§    Start treatment immediately and pay over time with low minimum monthly payments

§    Pay for other healthcare expenses for you and your family without having to reapply (such as veterinarians and cosmetic surgeons)

§    Fast, confidential service by phone 1 (800) 365-8295, or on-line at www.carecredit.com, or ask us for an application; complete and sign it, and then return to us for submission.

Option #3 Bank Line Direct or In-Office Monthly Debit/Credit Card Processing

Bank Line Direct is an electronic funds transfer service that electronically debits your monthly payment from a checking or savings account of your choice; or we can also process your monthly payments using your debit or credit card right here in the office using our In-Office Monthly Debit/Credit Card Processing service! This option does require a down payment of at least 30% of the patient responsibility.  The payments are due on a monthly basis and the payment plan ends 4 months prior to the end of treatment.