Yes, payment plans are available for braces and Invisalign at Romani Orthodontics and most orthodontic practices. These plans divide your total treatment cost into monthly installments, making care accessible without paying upfront. Our practice offers in-house financing and a Family Care Program designed to fit your budget.
What Are Orthodontic Payment Plans?
Payment plans split your total treatment cost into manageable monthly installments spread across your care. Instead of paying one large sum, you make smaller, predictable payments that work with your household budget.
Most orthodontic practices offer in-house financing directly through their office, which means no third-party credit checks and more flexibility in structuring your payments. You’ll typically start with a down payment, then pay the remaining balance in monthly installments lasting anywhere from 12 to 24 months.
Both braces and Invisalign® treatment qualify for payment plans. Traditional metal braces, ceramic braces, or Invisalign® all qualify, so financing options exist to help you move forward with treatment. Some practices even offer 0% interest when your balance is paid within the treatment timeframe.
The goal is simple. Remove financial barriers so you can start working toward the perfect smile without delay. At Romani Orthodontics, our team walks every family through their options before any decision is made, so you feel informed and confident.
How Do Braces and Invisalign Payment Plans Work?
Payment plans work in four main steps: consultation, insurance application, down payment, and monthly installments. Understanding each piece helps you prepare for your free consult and make confident decisions about your care.
Step 1: Your Initial Consultation During your first visit at Romani Orthodontics, Dr. Romani or Dr. Collins will evaluate your smile and determine the total treatment cost based on your specific needs. Case complexity, treatment length, and the type of braces or Invisalign® you choose all factor into this number.
Step 2: Insurance Benefits Applied If you have orthodontic coverage, those benefits are applied first. This reduces the balance you’ll need to finance. Our team helps verify your insurance and maximize your benefits before discussing payment options. We also coordinate directly with your provider so nothing gets lost in the paperwork.
Step 3: Down Payment Collection A down payment is collected when treatment begins. Many practices offer flexibility here. Some require as little as $0 to $500 to get started, depending on your situation.
Step 4: Monthly Installments Your remaining balance is divided into monthly auto-pay installments. Payments are consistent and predictable, ending when your treatment ends, or sometimes sooner.
Extended Financing Options Third-party lenders like CareCredit or HFD offer extended terms beyond your treatment length if you prefer lower monthly payments. These require a credit application but provide added flexibility for families who need it.
Benefits of Choosing a Payment Plan
Payment plans offer real advantages for families and adults seeking orthodontic treatment at Romani Orthodontics. The following H3s break down the most common questions about those benefits.
Why Start Treatment Immediately?
You don’t need to save up the full cost before beginning care. Starting now matters. This is especially important for children and teens who benefit from treatment at the optimal age, when growth and development support better outcomes. Delaying care while saving money can mean missing the ideal treatment window, and payment plans take that concern off the table.
How Do Payment Plans Help With Budgeting?
Fixed payment amounts mean no surprises. You know exactly what to expect each month, which makes household budgeting easier. Many in-house plans charge no interest, unlike credit cards that can add hundreds to your total cost. Predictable, interest-free payments are easier to plan around than a single large expense.
Can Payment Plans Be Combined With Other Savings?
Yes. Payment plans work alongside insurance benefits, FSA accounts, and HSA funds for maximum savings. Adults considering Invisalign® and parents exploring braces for a child both find these options useful. Payment plans make treatment achievable across life stages. At Romani Orthodontics, finances shouldn’t keep anyone from experiencing the perfect smile. Our Family Care Program and Payment Calculator help you explore options that fit your lifestyle.
In-House Financing vs. Third-Party Lenders
In short: in-house financing usually means no credit check and 0% interest tied to your treatment length, while third-party lenders offer longer terms with a credit application. Here’s how they compare:
How Does In-House Financing Work?
Offered directly by your orthodontic practice, in-house plans are straightforward and personal. They’re often interest-free with terms that match your treatment timeline. If life happens and you need to adjust a payment, there’s usually more flexibility to work something out with our team at Romani Orthodontics.
What Are Third-Party Lenders?
Companies like CareCredit, HFD, and Sunbit offer credit-based financing with longer repayment options. These work well if you prefer lower monthly payments spread over an extended period. Just watch for interest charges that may kick in after promotional periods end. Read the fine print carefully.
Which Option Should You Choose?
Your decision depends on your budget, credit situation, and preferred payment timeline. During your free consult at Romani Orthodontics, our team can walk you through both options and help you find the right fit for your family.
Factors That Affect Your Payment Plan Amount
Six main factors determine your monthly payment amount. Each one plays a role in the final number you’ll see on your treatment estimate:
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Case Complexity More complex orthodontic issues require longer treatment times and more visits, which affects total cost. Simple crowding corrections cost less than severe bite cases. Two-phase treatment (orthodontic care delivered in two stages, often for younger children) also adds complexity to the cost picture.
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Treatment Type Traditional metal braces, ceramic braces, and Invisalign® each have different baseline prices. Dr. Romani uses advanced technology to recommend treatments tailored to suit your lifestyle, with each option mapped to your goals.
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Insurance Coverage Your orthodontic benefits reduce the amount you need to finance. Even partial coverage makes a meaningful difference in your monthly payment. Our team verifies coverage early so the numbers you see are accurate.
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Down Payment Size A larger down payment means a smaller balance to finance and lower monthly installments. A smaller down payment keeps more cash in your pocket today but raises monthly costs.
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Repayment Length Longer payment terms mean lower monthly amounts. Shorter terms get you paid off faster but require higher monthly commitments.
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Patient Age Treatment scope can vary between children, teens, and adults. Two-phase treatment for young children, for example, may have different financial considerations than adult Invisalign®.
Case Complexity More complex orthodontic issues require longer treatment times and more visits, which affects total cost. Simple crowding corrections cost less than severe bite cases. Two-phase treatment (orthodontic care delivered in two stages, often for younger children) also adds complexity to the cost picture.
Treatment Type Traditional metal braces, ceramic braces, and Invisalign® each have different baseline prices. Dr. Romani uses advanced technology to recommend treatments tailored to suit your lifestyle, with each option mapped to your goals.
Insurance Coverage Your orthodontic benefits reduce the amount you need to finance. Even partial coverage makes a meaningful difference in your monthly payment. Our team verifies coverage early so the numbers you see are accurate.
Down Payment Size A larger down payment means a smaller balance to finance and lower monthly installments. A smaller down payment keeps more cash in your pocket today but raises monthly costs.
Repayment Length Longer payment terms mean lower monthly amounts. Shorter terms get you paid off faster but require higher monthly commitments.
Patient Age Treatment scope can vary between children, teens, and adults. Two-phase treatment for young children, for example, may have different financial considerations than adult Invisalign®.
Who Qualifies for Orthodontic Payment Plans?
Payment plans for braces and Invisalign® are available to most people seeking orthodontic treatment at Romani Orthodontics. In-house financing through your orthodontic practice typically requires no credit check, making it accessible regardless of your credit history. The practice works directly with you to structure payments that fit your situation.
Third-party financing options like CareCredit require a credit application. Approval depends on your credit profile, but many lenders offer options for various credit situations.
You’re likely a good candidate for payment plans if you:
- Have insurance benefits that reduce your total cost
- Use FSA or HSA accounts for healthcare expenses
- Are a parent financing treatment for your child or teen
- Are an adult seeking braces or Invisalign® for yourself
- Prefer predictable monthly payments over one large expense
The most important step? Be open about your financial situation during your consultation. Dr. Romani, a Board Certified Diplomate of the American Board of Orthodontics, and Dr. Collins lead our provider team together, and they are here to help you find a path forward, not to judge your circumstances. People of all ages are welcome to ask questions about cost and coverage.
Frequently Asked Questions
Are Payment Plans Available Without a Credit Check?
In-house payment plans offered directly through your orthodontic practice typically don’t require a credit check. Third-party financing through companies like CareCredit does require a credit application, which may involve a soft or hard inquiry depending on the lender.
Is a down payment required for braces or Invisalign®?
Most payment plans include a down payment, but the amount varies. Some practices offer $0-down options depending on your situation. A larger down payment reduces your monthly installments, while a smaller one keeps more cash available upfront.
Does insurance work with payment plans?
Yes. Your insurance benefits are applied first to reduce the total amount you owe. The remaining balance after insurance is what gets divided into monthly payments. This combination helps make treatment even more affordable.
Can I use FSA or HSA funds toward a payment plan?
Yes. FSA and HSA funds can cover your down payment, monthly installments, or both. These pre-tax dollars effectively give you a discount on your orthodontic care. Our team can help you understand how to make the most of these benefits.
What happens if I miss a payment?
Contact your orthodontic practice as soon as possible. Most offices offer grace periods and are willing to work with you on a solution. Communication is key. Reaching out early gives you more options than waiting until you’re behind.
Are payment plans available for adults, not just kids?
Yes. People of all ages qualify for payment plans. Adults considering Invisalign®, parents financing a teen’s braces, and families exploring treatment for a younger child all have financing options available at every stage of life.
If you’d like to explore your payment options further, a free consult with Romani Orthodontics is a good next step to discuss treatments tailored to suit your lifestyle and financing that works for your budget. Our team is here to help you experience the perfect smile, with clear information and no pressure along the way.