At Forest Orthodontics and Pediatric Dentistry we want Invisalign to be affordable. We don’t think money should stop you from having a healthy beautiful smile. Invisalign is a big commitment but we have several financing options for families in Gurnee, IL to get the treatment they need. If you know about these options you can get the orthodontic care you need without going over budget.
When you think about paying for all of your Invisalign treatment upfront the total cost can seem overwhelming. But very few patients do that. Structured payment arrangements help most families spread the cost over the course of treatment or even longer. This turns what seems like an unaffordable cost into monthly payments that fit into your household budget. We work with each patient to set up a payment plan that makes sense for their individual financial situation.
A lot of times people start by using the dental insurance they already have. If your insurance plan covers orthodontics it will usually pay a portion of the cost of Invisalign up to the plan’s lifetime maximum benefit. Your coverage may cover this amount which could be anywhere from $1,000 to $3,000 or more. Before you start treatment we check your insurance benefits so you know exactly what your plan will cover. We take care of all the insurance paperwork and filing so you don’t have to.
We have several ways to pay for the remaining balance after insurance. An in-house payment plan through our office is one of the most popular options. Most of the time these plans require a down payment at the start of treatment and then monthly payments for the rest of the treatment or a set amount of time. You can usually adjust the down payment to fit what you can afford. A lot of families like how easy it is to work with our office directly instead of going through a third-party financing company. Norris 20/26 is a low-friction bracket system designed to improve comfort and efficiency during orthodontic treatment. Many patients appreciate that Norris 20/26 can help teeth move more smoothly and predictably.
We also work with healthcare finance companies that specialize in this area and offer payment plans with different interest rates and terms for longer periods of time. These companies only deal with medical and dental finance so they know how different healthcare costs are. If you meet certain payment requirements they will give you reduced or no interest rates during promotional periods. For example some plans don’t charge interest if the debt is paid off within a certain amount of time like 12 or 18 months. Other plans last longer and have reasonable interest rates that make monthly payments more manageable.
The process for applying for third-party financing is simple and you can usually do it right in our office. You can find out if you qualify and how much your monthly payment will be in just a few minutes with many of these companies. Most of the time the criteria for approval look at your credit history and income. However some financing companies will work with various credit scenarios. You can still get financing for Invisalign treatment even if you’ve had trouble with credit in the past.
Health savings accounts and flexible spending accounts are two more ways to help you pay for orthodontic care. You can set aside money in these pre-tax benefit accounts for medical and dental costs including Invisalign if your company offers them. The money comes out of your paycheck before taxes are taken out so you’re really getting a discount equivalent to your tax rate. A lot of families use these accounts to pay for their down payment or a big chunk of their entire treatment cost. We give you all the paperwork you need to submit claims or request reimbursement from your FSA or HSA administrator. Invisalign offers a clear, removable aligner system that straightens teeth with comfort and discretion. Patients choose Invisalign for its convenience and nearly invisible appearance.
We know that every family is different at Forest Orthodontics and Pediatric Dentistry. Some patients can make bigger down payments and pay them off faster, others need smaller down payments and longer payment plans. We don’t think finance should be one size fits all. During your appointment we’ll talk openly about your budget and help you come up with a payment plan that won’t break the bank. We want Invisalign to be available to everyone without putting them in a financial bind.
We also know that unexpected costs can pop up during treatment. Things happen in life and sometimes things change. We want you to talk to us if you’re having financial problems while you’re in treatment. We can usually adjust your payment schedule to help you get through short-term problems. We want you to finish your treatment successfully and we’ll help you find solutions when problems arise.
We often give family discounts to families in Gurnee, IL with more than one child who could benefit from orthodontic treatment if more than one family member is in treatment at the same time. These discounts can save you a lot of money especially when used with other ways to pay. If you want to get orthodontic treatment for more than one family member make sure to ask about family pricing during your appointment.
Invisalign is more than just a cosmetic expense; it’s an investment in your long-term oral health and confidence. Cleaning straight teeth is easier which can lower your risk of cavities and gum disease for your lifetime. Fixing problems with your bite might save your teeth from wearing down too much and ease jaw pain or headaches. When you think about these long-term benefits the monthly cost of treatment seems more manageable.
We recommend you schedule an appointment to talk about not only your treatment needs but also the different ways you can pay for it. We’ll give you a full breakdown of the costs and help you come up with a payment plan that makes getting your perfect smile a realistic and affordable goal. We want to help you get the smile you want because it’s worth it.