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Payment Options for Orthodontic Treatment

Updated: Jan 18, 2019


There are lots of ways to make orthodontic treatment affordable for you and we work hard to help you find a plan that works for you or your family. You may be able to use your orthodontic insurance benefit, pay with tax-free dollars from your FSA or HSA to avoid monthly payments, or arrange a no interest monthly payment plan.

Dr. Cooke offers different payment options and will arrange payment plans that fit you and your family’s needs.


FSA or HSA

What is an FSA?

  • A flexible savings account, or FSA, is an account you may be able to use to pay for certain medical, dental, and orthodontic treatments, including braces and Invisalign clear aligners.

  • Your FSA is managed by your employer, and you pay money into the account throughout the year, usually through a deduction from your paycheck. You may set aside up to $2,650 annually. Not all employers offer an FSA.

What is an HSA?

  • A health savings account, or HSA, is a special savings account designed for people with a high-deductible health insurance plan. You put money into the account and can use it to cover certain medical, dental, and orthodontic expenses, including braces and Invisalign.

  • You may set aside up to $3,400 for an individual or $6,750 for a family annually. To open an HSA, you must meet IRS eligibility requirements (this amount is subject to change).

What is the advantage of an FSA or HSA?

  • You don’t pay taxes on the money you put in an FSA or HSA.

May I use my FSA or HSA to pay for orthodontic treatment?

  • Yes! You may be able to pay Cooke Orthodontics and be reimbursed from your FSA or HSA. Your benefits provider may also be able to pay Cooke Orthodontics directly.


Insurance Coverage for Orthodontic Treatment

What does insurance typically cover?

  • Many dental insurance plans cover both Invisalign and braces treatment. Your insurance may pay for a certain percentage of your orthodontic treatment, or it may pay for a certain dollar amount.

  • Often there is a lifetime maximum on the amount insurance will pay for orthodontic treatment.

How do I know whether my insurance covers orthodontic treatment?

  • Ask your benefits manager at work, call your insurance plan’s customer service line, or look through your benefits package for “orthodontic treatment.” Orthodontic treatment is sometimes covered by health, rather than dental insurance, or by orthodontic coverage that you can purchase separately.

  • Dr. Cooke’s awesome team will do a complimentary benefits check for you before your exam.

How do I know if Dr. Cooke accepts my insurance?

  • Please share your insurance information with Dr. Cooke’s awesome team. They will do everything possible to verify your orthodontic coverage.


IN-OFFICE monthly payment plan

What is a monthly payment plan?

  • A monthly payment plan is an arrangement between you and Cooke Orthodontics to spread the cost of your orthodontic treatment over the length of your treatment.

  • Typically, an initial investment is utilized at the beginning of treatment.


How can a monthly payment help me?

  • Making small payments throughout the course of your orthodontic treatment rather than all at once can make it easier to plan your monthly budget.


How can I arrange a monthly payment plan?

  • Dr. Cooke offers flexible and affordable monthly payment plans. We will work with you to come up with a payment plan that works best for everyone!

  • Once a payment plan is decided upon, we will set up payments to auto-draft from checking or savings account on the same day each month.


Want to you know your estimated monthly payment? CLICK HERE!





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