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Insurance & Financing

You'll know exactly what you're investing in before you commit to anything — and we'll help you find a payment structure that works.

A financial approach as thoughtful as the care

Whether you have orthodontic insurance benefits or are paying entirely out of pocket, we have a plan that makes treatment accessible. Our team handles the details so you don't have to.

Insurance

We accept most major PPO dental insurance plans with orthodontic benefits and help Evanston-area patients maximize what they have. Our team verifies your coverage before treatment begins — and we'll tell you exactly what your plan covers and what you'll owe, in writing, before you sign anything.

Flexible Payments

Low down payments and in-house payment plans spread the cost of treatment across your treatment period. We offer 0% interest financing and will find a structure that fits your monthly budget.

Price Transparency

We discuss all costs upfront. You'll know the full fee, your insurance contribution, and your out-of-pocket responsibility before signing anything. No estimates. No "it depends." Just clear numbers you can plan around.

We handle the paperwork

Most dental insurance plans include some orthodontic benefit — often a lifetime maximum of $1,000 to $2,000 or more. We'll verify your specific coverage before your first visit and apply it directly to your treatment fee.

If you have more than one insurance plan, we'll coordinate benefits across both. If your employer offers an FSA or HSA, orthodontic treatment is a qualified expense — we can help you plan around your benefit year.

  • Coverage verified before treatment starts
  • Benefits applied directly to your balance
  • FSA and HSA accepted
  • We'll help you understand your plan's lifetime maximum
  • Coordination of multiple insurance plans

Built around your situation

We offer multiple ways to spread the cost of treatment — and we'll work with you to find the right fit.

In-House Payment Plans

Pay over the course of your treatment with 0% interest. Low or no down payment options available. Monthly payments that work for your budget — agreed on before treatment begins.

Third-Party Financing

Extended payment plans through trusted financing partners allow you to spread the cost even further. Terms are structured to extend your options without compromising the quality of care you receive.

Full Payment Discount

If you prefer to pay in full at the start of treatment, we offer a discount on the total fee. Ask about this option at your consultation.

Let's find what works for you

At your complimentary consultation, we'll go over the full cost of your treatment, your insurance benefits, and the payment options available to you — before you make any decisions.