Quality orthodontic care should be accessible to everyone. At ABM Orthodontics, we offer flexible financing options that make treatment affordable for Clearwater families, with 0% interest plans and customized payment schedules.
Our most popular financing option is Cherry, which offers 0% interest for 24 months on approved credit. This means you can spread your treatment costs over two years without paying any additional fees or interest charges. The application process is quick and simple, with instant approval decisions in most cases. Cherry allows you to begin treatment immediately while making manageable monthly payments that fit your budget. You’ll know exactly what you’ll pay each month with no surprises or hidden costs. This option works perfectly for families who want to start treatment now without waiting to save the full amount.
We also accept Care Credit and Altheon, two healthcare-focused financing companies that provide flexible payment plans for medical and dental treatments. Care Credit offers various promotional periods with deferred interest, allowing you to choose a timeframe that matches your financial situation. Terms typically range from six months to 24 months or longer depending on the treatment cost. Altheon provides similar flexible financing with competitive rates and extended payment options. Both companies have straightforward online applications with quick approval processes. These options give you additional flexibility if you need longer repayment terms or have specific financing preferences.
For families who prefer to work directly with our practice, we offer customized in-house payment plans. These arrangements allow you to pay over the course of your treatment without involving third-party financing companies. We’ll work with you to create a payment schedule based on your budget and treatment timeline. Many families appreciate this option because it keeps things simple and allows for more personalized arrangements. There’s no credit check required for in-house plans, making them accessible to everyone regardless of credit history.
We can coordinate your payment plan with insurance benefits if you have orthodontic coverage, further reducing your monthly responsibility. Our goal is to find a solution that makes treatment affordable without creating financial stress.
If you have orthodontic insurance benefits, we can combine your coverage with financing to minimize out-of-pocket costs. Insurance typically pays a portion of treatment costs directly to our office, and you’re responsible for the remaining balance. We structure payment plans around your insurance benefits, so your monthly payments cover only the amount insurance doesn’t. This coordination maximizes your benefits while keeping payments manageable. For example, if your treatment costs $5,000 and insurance covers $1,500, you’d finance the remaining $3,500 through one of our payment options. Our team handles all the coordination, making the process seamless for you.
