Affordable Orthodontic Financing Options

At Troy City Orthodontics, we believe everyone deserves a confident, healthy smile. That’s why we offer flexible, transparent financing options designed to fit your budget, without compromising quality care.

How Much Does Treatment Cost?

Every smile is unique, and treatment costs vary based on your individual needs. Here’s a general range to help you plan:

During your consultation, we’ll provide a personalized treatment plan with clear, upfront pricing.

Flexible Payment Options

We make it easy to get started with affordable monthly plans:

  • Down payments starting as low as $500
  • Monthly payments customized to your budget
  • Typical example: ~$274/month for 22 months (comprehensive treatment without insurance)

To simplify your experience, we securely keep a card on file and set up automatic monthly payments, so you never have to worry about remembering due dates.

Can I Finance My Treatment with 0% Interest?

Yes! We offer in-house financing with 0% APR for up to 22 months, helping you spread out the cost of treatment without paying additional interest.

Paid-in-Full Discounts

If you prefer to pay upfront, we offer savings options:

  • 3% discount when paying with a credit card
  • 5% discount when paying with cash or check

Will My Insurance Cover Orthodontic Treatment?

We work with all insurance plans to help you maximize your benefits:

  • We accept direct payments from in-network providers
  • For out-of-network plans, we handle all paperwork and submissions
  • Insurance payments are sent directly to you, while your payment plan is based on the full treatment fee

Our team will guide you through your coverage so you know exactly what to expect.

Simple, In-House Financing

We keep financing straightforward and convenient, no third-party lenders like CareCredit required. This allows us to offer flexible, easy-to-manage payment options without added complexity.

Your Smile Is Within Reach

At Troy City Orthodontics, we’re committed to making high-quality orthodontic care accessible and affordable. Our team will work with you to create a plan that fits your needs, so you can move forward with confidence.

Have questions? Contact us today, we’re here to help every step of the way.

Frequently Asked Questions

We understand that orthodontic treatment is an important investment, and it’s natural to have questions. Below are answers to some of the most common questions we hear from patients and families at Troy City Orthodontics.

Can I start orthodontic treatment without insurance?

Yes, absolutely. Many of our patients begin treatment without insurance. We offer flexible, in-house financing options that make it easy to spread out the cost into manageable monthly payments.

At Troy City Orthodontics, we provide in-house financing, which means there’s no traditional credit check required like with third-party lenders. Our goal is to make treatment accessible, not complicated.

In many cases, Invisalign® treatment is similar in cost to traditional braces, but it can vary depending on the complexity of your case. During your consultation, we’ll help you compare options and choose what works best for your smile and budget.

No, transparency is very important to us. We go over all costs in detail before treatment begins, so you’ll know exactly what to expect. If anything unexpected comes up, we’ll always discuss it with you first.

Yes, we do. We understand that families may have more than one child needing orthodontic care, and we’ll work with you to create a payment plan that makes sense for your household.