Payment Plans – Spreading the Cost of Orthodontic Treatment
At ONiA we offer flexible payment plans as part of our services.
Getting orthodontic work for you or your kids can be a costly exercise – but a necessary one in order to gain the smile you’ve always wanted and boost your confidence! Thankfully, there are many ways to go about financing these kinds of changes so that money issues don’t become an obstacle to you achieving a perfect smile.
Do you have to pay for braces upfront?
The short answer is no. At ONiA we offer flexible payment plans as part of our services.
If you do choose to pay in full at the beginning, we offer an upfront discount of 5%. But opting for a payment plan means that you can pay a deposit and get started with your braces or clear aligner treatment now and pay off the balance. It’s a great way to manage your cashflow while still getting the specialist support you or your family needs.
ONiA’s Payment Plans
Our in-house finance plans are interest-free.
We will divide the overall cost of your treatment into an initial deposit and regular instalments or direct debits over 17 months. Payments may be scheduled across monthly, fortnightly or weekly payments.
Whatever schedule you choose, you can rest assured that we will provide you with a comprehensive and all-inclusive quote up front, (i.e. including all appointments and appliances), so that you know exactly what you’re up for.
Third-party payment services
For certain treatments, we offer payment plans via Denticare . These services work by spreading out the cost of your treatment with a smaller initial deposit and payments over 23 months via an easy online platform.
These services, however, will also include credit checks or third-party fees, so it’s worth weighing up the pros and cons of making a direct plan with ONiA.
There is also the option of taking out health insurance
Many health insurers offer extras policies that cover a range of orthodontic treatments, and families can often save quite a bit of money this way.
However, most private healthcare agreements typically have a waiting period of 12 months or more for orthodontic care, so this would only be an option if you’re planning for treatment well in advance.
For example, if your kids are young and you come to ONiA for a series of treatments over the course of their childhood, adding orthodontics to your insurance policy now might be benefit you in the future.
Most people only opt for a healthcare plan if it also serves them in other areas of their life, as the monthly premiums can add up to more than the ultimate cost of your treatment. It’s important to talk to your insurer to understand your options first, and how much the rebate is likely to be.
Remember to understand your obligations
Although there is often no credit check involved in an orthodontist’s payment plan, you still have a legal responsibility (i.e. often involving a financial contract) to meet your repayments and stick to the schedule as previously agreed. Like any loan or credit situation, missing a payment or paying your instalments after the due date might incur a late fee, or a delay in your treatment.
Interested in finding out more?
At ONiA we are happy to discuss the payment options best suited to your treatment and needs. Always start by getting in touch with us and we will be happy to give personalised advice and explain our available plans.