Orthodontic Payment Options

Down payment requirements vary by practice and can range from $0 to $1,000 or more. Some orthodontists offer no-down-payment options with approved financing, while others require 10-20% down. The down payment amount often affects your monthly payment amount and interest rate. Discuss down payment options during your consultation.

Yes, orthodontic treatment is an eligible expense for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use these pre-tax dollars for braces, Invisalign, retainers, and related orthodontic care. This can save you 20-30% on treatment costs through tax savings. Check with your account administrator for specific details.

CareCredit is a healthcare credit card accepted by many orthodontists for braces and Invisalign treatment. It offers special financing options, often 0% interest for 6-24 months for qualified applicants. You apply online or at your orthodontist's office, and if approved, can use it immediately. Many Buffalo-area practices accept CareCredit and similar healthcare financing options.

Many orthodontists offer discounts (typically 5-10%) for paying the full treatment cost upfront instead of using payment plans. This can save several hundred dollars on treatment. Some practices also offer: family discounts (10-20% off for second+ family member), referral discounts, and seasonal promotions. Ask about available discounts during your consultation.