Financing Orthodontics & Insurance
Transparent Pricing & Flexible Payment Options
At Bayer & Curtis Orthodontics, we believe you deserve clear answers from the very beginning.
We’ll walk you through your treatment options, explain your insurance benefits, and provide transparent pricing so you can make confident decisions for yourself or your family.
Paying for Orthodontics:
What to Expect
Every smile is unique, which means the cost of treatment depends on your individual orthodontic needs.
During your complimentary consultation, we’ll:
- Get to know you, your smile, and your goals
- Perform a comprehensive smile evaluation
- Take any necessary digital scans or imaging
- Explain your treatment options and timeline
- Review exactly what’s included in your treatment
- Provide clear, transparent pricing with no surprises
- Create a customized financing plan that works for your budget
If you’ve already visited another orthodontist, we’re also happy to provide a complimentary second opinion and answer any remaining questions.
Flexible Financing That Fits Your Family
Our team takes the time to make sure you understand the process, from your treatment plan to your financing options and insurance benefits, so you always know exactly what to expect.
We offer flexible monthly payment plans, including:
- 0% interest in-house financing
- Extended financing options
- CareCredit® financing
- HSA & FSA payments accepted
- Most major credit cards accepted
- Pay-in-full discount
- Military discount
- Dental community discount
If you’ve already visited another orthodontist, we’re also happy to provide a complimentary second opinion and answer any remaining questions.
Can you use your HSA or FSA for orthodontics?
Yes. In many cases, HSA and FSA funds can be used toward eligible orthodontic treatment, including braces and clear aligner treatment.
If you have questions about using your HSA or FSA benefits, our team is happy to help.
We Accept Insurance
Understanding Your Orthodontic Insurance
We proudly accept United Concordia for military families, along with many PPO insurance plans.
Many dental insurance plans include orthodontic benefits that can help cover a portion of braces or Invisalign treatment.
Our team will help you understand your coverage before treatment begins, explain your benefits clearly, and answer any questions along the way.
Orthodontic Insurance Made Simple
We’ll help make the insurance process as easy as possible by:
- Verifying your orthodontic benefits
- Submitting claims on your behalf
- Helping maximize your available coverage
- Explaining your estimated out-of-pocket costs
Simply bring your insurance information to your consultation, and we’ll take care of the rest.
Let's Check Your Orthodontic Benefits
Want to better understand your orthodontic insurance coverage before scheduling?
Reach out to our team, and we’ll help you explore your benefits and next steps.
Frequently Asked Questions About Financing Orthodontics & Insurance
How much do braces cost in Fort Walton Beach?
The cost of braces depends on your orthodontic needs and the complexity of your treatment.
During your complimentary consultation at Bayer & Curtis Orthodontics, we’ll evaluate your smile, explain your treatment options, provide clear pricing, and create a financing plan that works for your family.
How much does Invisalign treatment cost?
The cost of Invisalign treatment depends on your personalized treatment plan.
After evaluating your smile, Dr. Leigh Curtis will explain your options, review what’s included in your treatment, and provide transparent pricing.From there, we’ll work together to create a payment plan that meets your needs.
Does dental insurance cover braces or Invisalign?
Many dental insurance plans include orthodontic benefits that may help cover a portion of braces or Invisalign treatment.
Because every insurance plan is different, our team will verify your benefits, explain your coverage, and help maximize your available insurance before treatment begins.
Can I make monthly payments for braces?
Absolutely. We offer flexible payment plans with 0% interest in-house financing and will work with you to create a payment plan that meets your needs.
Can I use my HSA or FSA to pay for braces or Invisalign?
In many cases, yes. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can often be used toward eligible orthodontic treatment, including braces and Invisalign treatment.
If you have questions about using your funds, our team is happy to help.
Will Bayer & Curtis Orthodontics verify my insurance benefits?
Absolutely. Our team will verify your orthodontic benefits, explain what your insurance may cover, submit claims on your behalf, and answer any questions you have about your estimated out-of-pocket costs.
Do you accept CareCredit?
Yes. In addition to flexible in-house financing, Bayer & Curtis Orthodontics accepts CareCredit to make paying for orthodontic treatment even more convenient.
Do I need to know my insurance benefits before scheduling?
No. Simply bring your insurance information to your complimentary consultation, and our team will verify your benefits, explain your coverage, and answer your questions.
Is my consultation really complimentary?
Yes. We offer complimentary consultations for new patients so you can learn about your smile, explore treatment options, receive personalized financing information, and get clear answers without any obligation.
Can I get a second opinion before starting orthodontic treatment?
Absolutely. If you’ve already visited another orthodontist and would like another perspective, we’re happy to provide a complimentary second opinion.
Dr. Leigh Curtis will evaluate your smile, answer your questions honestly, and help you make an informed decision about your treatment.
How Can We Make You Smile?
Whether you’re ready to begin treatment or simply exploring your options, we’re here to help.
Schedule your complimentary consultation with our Fort Walton Beach orthodontic office, and let’s see how we can make you smile.