Affordable Orthodontic Financing Options
At Naylor Orthodontics, our goal is to make high-quality orthodontic care affordable for every family we serve. Dr. Rachel Naylor believes financial concerns should never stand in the way of a healthy, confident smile.
That’s why we offer flexible payment options, 0% in-house financing, and personalized financial arrangements designed to fit your budget.
What Are Our Orthodontic Treatment Costs?
Every smile is unique, so treatment costs vary depending on complexity and length of care.
Our general treatment ranges include:
- Limited orthodontic treatment starting as low as $2,000
- Comprehensive braces treatment up to $6,200
- Clear aligner treatment starting as low as $1,500
During your complimentary consultation, we provide a clear, detailed cost estimate with no hidden fees.
Flexible Payment Options
We offer several flexible solutions to make treatment manageable:
- 0% in-house financing
- Down payments starting as low as $500
- Monthly payments as low as $99
- Full-payment discounts
- Multi-family-member discounts
- CareCredit financing
- Participation in the Smiles Change Lives program
Our team will customize a payment plan that works comfortably for your family.
Insurance & Benefits
Naylor Orthodontics is a provider in most major insurance networks. We:
- Accept direct assignment of benefits when available
- Bill insurance carriers on your behalf
- Help you understand and maximize your orthodontic benefits
- Finance the remaining balance in-office
If your plan does not allow direct assignment, we will submit the necessary paperwork to help you receive reimbursement. We also accept FSA and HSA funds for eligible orthodontic expenses.
What Does My Orthodontic Investment Include?
Your treatment fee reflects a complete orthodontic experience, not just braces or aligners.
Your investment includes:
- Expert care and supervision by Dr. Rachel Naylor
- All routine appointments and adjustments
- Necessary appliances throughout treatment
- Emergency visits
- One set of final retainers for comprehensive treatment patients
We believe in transparent pricing, so you’ll always understand exactly what is included.
When Will I Learn About My Costs?
You will receive a full financial breakdown during your complimentary orthodontic consultation. We will review:
- Your personalized treatment plan
- Total treatment investment
- Monthly payment options
- Insurance coverage details
Our goal is to ensure you feel confident—both in your care and your financial decision.
Why Choose Naylor Orthodontics for Flexible Financing
With more than 20 years of orthodontic experience, Dr. Naylor combines clinical expertise with real-world affordability. We understand family budgets and work closely with you to create a plan that feels realistic and stress-free.
Frequently Asked Questions
We understand that cost is one of the biggest questions families have when considering orthodontic treatment. Below are answers to common financing and insurance questions we hear from patients in Maysville, KY and West Union, OH.
Is it worth getting braces if I’m on a tight budget?
Yes. Orthodontic treatment is an investment in long-term oral health and confidence. Straight teeth are easier to clean, can improve bite function, and may help prevent future dental problems. Our team works closely with families to make treatment realistic and manageable.
Can I start braces with bad credit?
In many cases, yes. Because we offer in-house financing, approval is often simpler and more flexible than traditional third-party lenders. We’ll review your options privately and respectfully to find a solution that works for you.
Are monthly payments fixed or can they change?
Once your financial agreement is established, your monthly payments remain consistent as long as your insurance coverage and treatment plan remain the same. If changes occur, we’ll always communicate clearly before making adjustments.
Can I pay off my orthodontic treatment early?
Absolutely. There are no penalties for paying off your balance early. Many families choose to do so if their financial situation allows.
Can I use both insurance and financing together?
Yes. Many patients use their orthodontic insurance benefits to reduce the overall cost and then finance the remaining balance through our office for manageable monthly payments.
