Orthodontic Financing
& Payment Plans
At Wendling Orthodontics, braces and clear aligner treatment start at $150 per month, with down payments as low as $500. We offer in-house payment plans, accept most insurance, and work with three financing partners to help fit treatment into your budget.
Several payment options are available to help a new smile fit your budget.
How Much Does Orthodontic Treatment Cost?
Both braces and Invisalign are priced at the same starting point.
AS LOW AS
$150
PER MONTH
- Down payment as low as $500-1000
- Eat whatever foods you enjoy
- Easily Removable
- Office visits every 12 weeks
- 12-20 months treatment time
- One of the areas Top Providers
- Safe BPA-Free Material
- Great option for Teens/Adults
Braces
AS LOW AS
$150
PER MONTH
- Down payment as low as $500-1000
- Adjust Teeth 24/7
- Customized Colors
- Office visit every ~6-8 weeks
- 12-24 months treatment time
- One of the areas Top Providers
- Choose Clear or Metal
- Best option for kids
Actual costs depend on the complexity of your case, the length of treatment, and your insurance coverage. We provide exact pricing at your free consultation.
Payment Options
Interest-free payment plans
for qualified patients
Auto-draft from your bank account
for hands-off monthly payments
Credit card auto-pay
accepted, including American Express, MasterCard, and Visa
HSA and FSA funds
are eligible for orthodontic treatment
Third-Party Financing
We work with two financing partners if you need additional options:
Our Payment plans
Interest-free payment plans with flexible monthly payment options
CareCredit
Healthcare credit card with special financing options
We can help you apply and walk you through your options during your visit.
OUR OFFICES
Does Insurance Cover Braces or Invisalign?
Yes, if your plan includes orthodontic coverage. One thing worth knowing: orthodontic benefits are typically a separate rider on dental insurance, not automatically included with every dental plan. Not all dental policies cover orthodontics, so it’s worth checking before your consultation.
We work with most major insurance companies, including:
Delta Dental
Blue Cross
Cigna
Aetna
Principal
Our team verifies your coverage before treatment begins and files claims on your behalf.
Not in our network? With most insurance companies, you’ll still receive orthodontic benefits at our office even if we appear out-of-network. Contact us, and we’ll check your specific plan before your appointment.
Common Questions About Orthodontic Financing
Can I use my HSA or FSA for orthodontic treatment?
Yes. Orthodontic treatment is typically an eligible expense for both Health Savings Accounts and Flexible Spending Accounts. Using these accounts means paying with pre-tax dollars, which reduces your out-of-pocket investment. Let us know at your consultation, and we’ll help you apply those funds.
What if my insurance doesn't fully cover the cost?
Your remaining balance can be spread across a payment plan. We also work with CareCredit, LendingClub, and Sunbit to provide financing options that cover what insurance doesn’t.
Do I need a large down payment to get started?
Down payments start as low as $500 to $1,000. We’ll give you a specific breakdown once we know your treatment plan and insurance situation.
How do I find out exactly what I'll pay?
Your free consultation includes a full pricing breakdown based on your case, insurance coverage, and available payment options. There’s no obligation and no charge for the visit.
Smiles Change Lives
Wendling Orthodontics is a Smiles Change Lives provider. This nonprofit offers reduced-fee orthodontic treatment to qualifying families. The program serves children ages 7-21 with significant orthodontic needs and demonstrated financial need. Ask about eligibility at your free consultation.
Start With a Free Consultation
Every new patient consultation at Wendling Orthodontics is free. During your visit, we’ll review your treatment options and give you exact pricing and payment details. No pressure, no surprises