Orthodontic Payment Plans

The lead monthly figure used in our in-house financing is $168 per month. That figure is based on an average treatment cost with a $500 down payment on a 32-month plan. The actual monthly amount for your case depends on the total treatment cost, the down payment you choose, and the financing duration you select. Cases financed over a shorter period have higher monthly payments; cases financed over a longer period have lower monthly payments. Kevin walks through the exact figures at the free consultation.

No. The in-house payment plan carries 0% interest from the first payment to the last. There is no deferred-interest clause and no promotional period that expires. The total treatment cost you agree to at the consultation is the total you pay regardless of how long the financing runs.

No. McComb Orthodontics does not run a credit check for in-house financing. Approval is not based on credit history or credit score. Any patient can access the payment plan. Applying for in-house financing at McComb Orthodontics does not affect your credit score in any way.

The standard minimum down payment is $500. For patients who start treatment the same day as their free consultation, the minimum deposit is $250. There is no maximum down payment: patients can put any amount toward the balance at the start, including the full treatment cost to receive the 6% pay-in-full discount.

Yes. McComb Orthodontics is in-network with all PPO dental insurance providers. Most orthodontic insurance plans carry a lifetime benefit of $1,000 to $2,000. That benefit is applied to the treatment cost at the consultation, and the remaining balance is financed in-house at 0% interest. Delta Dental and MetLife patients receive an additional contracted-rate benefit: approximately $700 less for Invisalign treatment compared to out-of-network pricing.

If your dental insurance cancels or changes during active treatment, you are personally responsible for any remaining amount your insurance has not paid. We can adjust your in-house payment plan to ensure the balance owed is spread over the course of your treatment. What it means practically: McComb Orthodontics will no longer receive quarterly payments from your insurer for the remaining benefit, and the patient is responsible for those installments going forward. Our financial coordinators will walk through the specific adjustment at the consultation or any time during treatment.

McComb Orthodontics handles missed payments directly and without penalty. Our financial coordinators will work with you to help resolve the issue. There are no late fees in the in-house plan. If you are going through a difficult period, the right move is to call (310) 299-8894 and speak with our financial coordinators directly.

Yes. Patients can pay off their remaining balance at any point without penalty. There is no prepayment fee. Paying early does not change the clinical treatment plan or the schedule of appointments.

Orthodontic treatment is an eligible expense for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) under IRS guidelines. Patients who use HSA or FSA funds apply them toward the treatment cost at the consultation, and the remaining balance is financed in-house at 0% interest. Kevin can provide the itemized receipt and documentation needed for HSA or FSA reimbursement at any point during treatment. [VERIFY: Confirm McComb Orthodontics standard documentation process for HSA/FSA reimbursement with Kevin before publishing.]

Yes. All Invisalign refinements are included in the original treatment fee for compliant patients. A refinement is a standard part of finishing treatment, similar to adjusting a wire in braces. It is not an unexpected add-on or an extra charge. The only exception: patients who are serially non-compliant with tray wear may incur additional costs if Invisalign begins charging the practice for replacement tray sets. Compliant patients do not pay extra for refinements under any circumstance.

The primary difference is interest risk. Many third-party dental financing plans are structured as deferred-interest arrangements: no interest accrues during the promotional period, but if the full balance is not paid before that period ends, the lender charges the full interest that has been accumulating from day one. At McComb Orthodontics, the in-house plan carries 0% interest with no promotional period and no deferred-interest structure. The second difference is the credit check: third-party lenders require a credit application and credit approval. McComb Orthodontics does not run a credit check. The payment agreement is directly with the practice.

If a patient discontinues treatment before completion, refunds are calculated case-by-case by the treatment coordinator and Dr. Ryan McComb based on the time elapsed and the treatment stages completed. Patients are not charged for work that has not been performed. The calculation accounts for clinical work done, lab fees incurred, and any insurance benefits already received. Patients who need to discontinue treatment for any reason should contact the practice directly at (310) 299-8894 to discuss the options.