Comparing different treatment options is often the easiest part of planning for orthodontic care, since figuring out how to pay for it can feel more complicated. Many families weigh Invisalign® CareCredit® financing against a practice’s own in-house payment plan before making a decision.
What Affects the Cost of Treatment?
Why Costs Vary by Treatment Type
Every case is different, and the type of treatment recommended plays a large role in the overall cost. The ADA’s overview of braces and clear aligners explains how treatment length and complexity can shift from one patient to the next.
Why Treatment Takes Time to Complete
Most corrections happen gradually, since teeth and jaws can only move safely at a certain pace. Cleveland Clinic’s overview of how braces work breaks down why that gradual process matters for a healthy, lasting result.
Comparing the Two Payment Options
How Does Financing Through CareCredit Work?
CareCredit is a third-party healthcare credit card that can be used to cover orthodontic treatment, including Invisalign, often with promotional financing periods. Approval and terms depend on individual credit history, and applying through CareCredit happens separately from the practice itself.
How Does an In-House Payment Plan Work?
An in-house plan is set up directly with the practice, with payments spread out over the course of treatment. This option is often popular among patients pursuing adult orthodontic treatment who prefer to avoid a separate credit application.
A few key differences can help with that decision:
- CareCredit involves a separate credit application and approval process
- In-house plans are arranged directly with the practice
- CareCredit may offer promotional interest-free periods for qualifying applicants
- In-house terms vary by practice and treatment length
Frequently Asked Questions About Paying for Treatment
Can Financing Be Used for a Teen’s Treatment?
Yes, both financing routes are commonly used for orthodontic treatment for teens, not just adult care. Parents often compare the two options the same way adult patients do, based on monthly budget and preference.
Does Insurance Affect Which Option Makes Sense?
Insurance coverage, if available, is typically applied first, with financing covering the remainder. Reviewing insurance benefits ahead of a consultation can make it easier to compare the remaining cost between options.
Is One Option Always Cheaper Than the Other?
Neither option is automatically less expensive, since the better fit depends on credit approval, monthly budget, and treatment length. Discussing both choices during a consultation is the most reliable way to find the right fit.
Can I Switch Payment Options After Treatment Starts?
In some cases, payment arrangements can be adjusted after treatment begins. Still, it depends on the plan already in place and the practice’s policies. It is best to ask about flexibility during the consultation so expectations are clear before starting care.
What Should Families Ask Before Choosing a Plan?
Families should ask about the down payment, monthly payment amount, payment schedule, and any terms that could affect the total cost. Comparing those details side by side can make it easier to choose between Invisalign CareCredit and an in-house plan.
Still Deciding Between Invisalign CareCredit and In-House Financing?
Dr. Blair Cohen Orthodontics can walk families through both options and help find the plan that fits their budget. Reach out to schedule a consultation and compare Invisalign CareCredit financing with an in-house payment plan in more detail.
*Invisalign®, the Invisalign logo, and iTero®, among others, are trademarks and/or service marks of Align Technology, Inc. or one of its subsidiaries or affiliated companies and may be registered in the U.S. and/or other countries.
*Subject to credit approval. Minimum monthly payments required. Visit www.carecredit.com for details.
*Patient information submitted through a CareCredit application is collected and governed by CareCredit’s own privacy practices, not by this practice’s website privacy policy.