Insurance & Financing

It’s not about your insurance — it’s about you. We believe everyone deserves a beautiful, healthy smile. That’s why we offer flexible payment options to make orthodontic care accessible and affordable for every family.

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Flexible Payment & Financing Options

Your smile is yours forever. We make it easy to receive the best care with multiple convenient payment options.

Insurance Accepted

In-network with Delta Dental. We accept most private insurance plans and file claims for you.

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Zero Interest

In-house interest-free financing with low monthly payments that match your treatment length.

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Multiple Payment Methods

Visa, Mastercard, American Express, Discover, cash, and automatic bank withdrawal.

Third-Party Financing

Finance up to 100% of treatment with flexible terms through our trusted partners.

We Work With Your Insurance

All insurance plans are welcome! We make the insurance process simple and handle everything for you.

In-Network Provider

We are proud to be in-network with Delta Dental, which means you’ll maximize your benefits and minimize your out-of-pocket costs.

Benefits of In-Network Coverage:

Higher coverage percentages
Only remove for meals and brushing
Streamlined claims process
Pre-negotiated fees

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Other Insurance Plans Welcome

We accept patients from most private insurance plans, including Cigna, MetLife, Guardian, Ameritas, and hundreds more. For out-of-network plans, we file all claims on your behalf.

We Handle Everything:

Verify your benefits before treatment
Complete all insurance paperwork
File claims on your behalf
Maximize your coverage

What Does Insurance Typically Cover?

For Children & Teens:

Most dental insurance plans include orthodontic coverage for patients under 18-19 years old, typically covering:

50% of treatment costs
Up to a lifetime maximum (typically $1,000-$3,000)
Both braces and clear aligners

For Adults:

Some plans offer adult orthodontic benefits, though less common. Coverage varies but may include:

Partial coverage (typically 25-50%)
Lifetime maximum benefit
May apply to specific treatment types

We’ll verify your specific benefits at your consultation and explain exactly what your insurance covers, so there are no surprises.

In-House Interest-Free Financing

Start treatment immediately with affordable monthly payments and ZERO interest!

How Our In-House Plan Works

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Low Down Payment

Begin treatment with a manageable initial payment that fits your budget.

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Monthly Payments

Spread remaining cost over the length of treatment with low monthly payments.

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Zero Interest

No interest charges ever. Your total cost is the same whether you pay upfront or monthly.

4

Automatic Payment

Set up automatic withdrawals from checking or savings—simple and convenient!

With Our In-Office Plan You Can:

Start treatment immediately
Take advantage of zero-interest financing
No credit check required

Enjoy low monthly payments
Pay by cash, credit card, or automatic withdrawal
No hidden fees or surprises

Example Payment Plan

Treatment cost: $5,000 | Treatment length: 20 months

Down Payment

$1,000

Monthly Payment

$200

Interest

$0

*This is an example only. Your personalized plan will be discussed at your consultation.

Third-Party Financing Options

Need more flexibility? We partner with trusted financing companies to offer extended payment plans.

Benefits of Third-Party Financing

Financing Features:

Finance Up to 100%

Cover entire treatment cost with minimal down payment

Flexible Terms

Choose payment periods from 12 to 60+ months

Quick Approval

Get approved in minutes with online application

No Prepayment Penalty

Pay off early without extra charges

Plan Options:

Low-Interest Plans

Competitive rates for qualified applicants

Promotional Offers

Special no-interest periods may be available

Extended Terms

Lower monthly payments with longer repayment

Multiple Applicants

Can use for family members' treatment

Easy Application Process

Our team will help you apply for third-party financing at your consultation. Most applications are approved within minutes, and you can start treatment right away.

Ask us about current promotional offers and which financing partner is best for your situation.

We Accept All Major Payment Methods

Credit Cards

Visa, Mastercard, American Express, Discover

Cash

Always accepted for payments

Check

Personal or cashier's checks welcome

Auto-Withdrawal

From checking or savings account

Payment Plan Flexibility

No matter which payment method you choose, we'll work with you to create a plan that fits your budget and makes orthodontic care affordable for your family.

Common Questions About Payment

When do I need to pay?

We’ll discuss payment at your consultation after creating your treatment plan. Typically, an initial payment is due when treatment begins, with the remaining balance spread over monthly payments throughout treatment.

How much will my treatment cost?

Treatment costs vary based on the complexity of your case and the type of treatment chosen. We’ll provide a complete cost breakdown at your free consultation, including what your insurance covers and your estimated out-of-pocket expenses. Most treatment ranges from $3,000-$8,000.

Do you offer discounts?

Yes! We offer discounts for full payment upfront, multiple family members in treatment, and sometimes have special promotions. We also honor active military and first responder discounts. Ask us about current offers!

What if I don't have insurance?

No problem! Many of our patients don’t have orthodontic insurance. Our interest-free in-house financing and third-party payment plans make treatment affordable even without insurance coverage.

Can I use my HSA or FSA?

Yes! Orthodontic treatment is an eligible expense for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Using these pre-tax dollars can save you money on treatment.

What happens if I miss a payment?

We understand that life happens! If you anticipate difficulty making a payment, please contact us as soon as possible. We’ll work with you to adjust your payment schedule or find a solution. Communication is key!

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Ready to Get Started?

Don’t let cost hold you back from the smile you deserve. Schedule a free consultation to discuss your treatment options and create a payment plan that works for you.

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Call us at (617) 484-3260 or visit us at 11 Alexander Ave, Belmont, MA 02478