Affordable Payment Options for Your Perfect Smile!
At McNamara Orthodontics, we believe orthodontic care should be clear, accessible, and financially manageable for every patient and family. Our approach to financing is built around transparency, flexibility, and support, so you can begin treatment with confidence and peace of mind.
During your complimentary consultation, Dr. Laurie McNamara and our experienced team will review your treatment plan and walk you through all available financial and insurance options. Our goal is to remove uncertainty and help you choose a payment solution that fits your needs and timeline.
What Does Orthodontic Treatment Cost?
Orthodontic treatment costs vary based on the complexity of care, the type of appliance used, and the overall length of treatment. At McNamara Orthodontics, limited orthodontic treatment may begin as low as $2,065, while comprehensive treatment can range up to $7,776, depending on individual needs.
Clear aligner treatment options are also available within similar ranges. Before treatment begins, all costs, timelines, and payment options are reviewed in detail so you know exactly what to expect.
Three Ways to Afford Your Orthodontic Care
Making Dental Care Simple, Easy, and Flexible to Afford
1
Financing
Customized, interest-free payment plan.
We offer flexible, interest-free payment plans customized for each patient. Options may include low down payments starting around $508, extended monthly payments starting as low as $227, pay-in-full courtesies, and Family Care savings for additional family members. CareCredit is also accepted.
2
Insurance
Be reimbursed by your insurance.
While we do not accept direct payment from insurance carriers, our team handles all insurance submissions on your behalf to help facilitate patient reimbursement. We work with all insurance providers that offer orthodontic benefits and help you maximize your coverage.
3
FSA / HSA
Save money with pre-tax dollars.
Flexible Spending Accounts and Health Savings Accounts may be used toward orthodontic treatment, allowing families to apply pre-tax dollars toward care. These options can often be combined with financing for added flexibility.
What Is Included in Your Orthodontic Investment?
Orthodontic treatment fees typically include:
• Diagnostic records such as digital photographs, X-rays, and 3D scans
• Customized treatment planning and clinical evaluation
• All orthodontic appliances required for treatment
• Routine adjustment visits during regular office hours
• Emergency visits during regular office hours
• One set of final retainers for comprehensive treatment
• Follow-up retention visits for up to one year
What Is Not Included in the Treatment Fee?
Some services are not included in orthodontic treatment fees, such as:
• Dental procedures performed outside our orthodontic office
• Replacement of appliances or retainers due to loss, misuse, or neglect
• Additional treatment required due to accidents, injuries, or unusual circumstances
• Services such as TMJ therapy, periodontal treatment, extractions, or jaw surgery performed by other providers
If a situation arises that may affect treatment or fees, our team will always discuss it with you clearly and promptly.
Get Started Now
Free Smile Consultation
We are committed to making orthodontic care straightforward and stress-free. Schedule your free consultation at McNamara Orthodontics to receive a personalized treatment and financial overview and take the first step toward a healthier, more confident smile.
Frequently Asked Questions
We know that cost, insurance, and payment options are an important part of deciding on orthodontic treatment. These frequently asked questions are designed to help you better understand how financing works at McNamara Orthodontics and what to expect as you plan for care.
Is a Deposit Required to Begin Orthodontic Treatment?
Yes. A down payment is typically required to start treatment, but the amount varies based on the treatment plan and payment arrangement selected. All details are reviewed and confirmed before treatment begins.
Are There Fees If Appliances Are Lost or Damaged?
If appliances or retainers are lost, broken, or damaged due to misuse or neglect, replacement fees may apply. Our team will always discuss any replacement costs with you before moving forward.
Does Orthodontic Treatment Cost Change If Treatment Takes Longer?
Treatment fees are based on the original treatment plan. In most cases, extended treatment time due to growth changes or biological factors does not increase the fee. Additional costs may apply only in unusual circumstances, which are discussed in advance.
Can More Than One Family Member Be Treated at the Same Time?
Yes. Families with multiple members in treatment may qualify for special savings. Our team is happy to review available family care options during your consultation.
Will I Receive a Written Financial Agreement?
Yes. Before treatment begins, you will receive a clear written financial agreement outlining fees, payment terms, and expectations. This ensures transparency and helps avoid surprises throughout treatment.