Affordable Orthodontic Financing Options
At Coastal Smiles Family Orthodontics, we believe financial concerns should never stop you or your child from achieving a confident, healthy smile. That’s why Dr. Samantha Cardinal offers flexible orthodontic financing options designed to make braces, Invisalign®, and other treatments accessible to families throughout Naples and neighboring communities. Our goal is simple: make high-quality orthodontic care affordable, transparent, and stress-free.
How Do Our Flexible Payment Plans Work?
Every smile is different, and so is every budget. The cost of orthodontic treatment depends on your individual needs, the recommended appliances, and how long your treatment is expected to take. At your consultation, our team will:
- Review your complete treatment fee
- Explain all available monthly payment plans
- Help you choose the option that fits comfortably within your budget
You’ll always know exactly what to expect before treatment begins. For added convenience, we accept most major credit cards and offer automated payment options to help keep everything on track.
Do You Work with Insurance or Health Savings Plans?
Yes! Our office accepts many major orthodontic insurance plans and will help you understand how your benefits apply to treatment. We’re also happy to assist you in using your FSA (Flexible Spending Account) or HSA (Health Savings Account) for eligible orthodontic expenses.
If your plan allows direct assignment, we’ll file claims on your behalf to help minimize your out-of-pocket costs and make the financial side of treatment as seamless as possible.
What Is the Typical Fee Range for Orthodontic Treatment?
Treatment at our office starts under $2,500, with our limited treatment option beginning at $2,480. We believe finances should never stand in the way of a confident, healthy smile, which is why we offer flexible solutions for every budget.
Payment options include:
Interest-free, in-house payment plans
Monthly payments starting as low as $220
CareCredit® with 12-month, no-interest financing for added flexibility
Because each Invisalign plan is customized to your needs, your total fee may vary. During your complimentary consultation, our team will review your personalized treatment cost and walk you through every available payment option.
Monthly payment amount depends on your approved treatment plan and treatment length. Individual terms and results may vary.
What Does Your Orthodontic Treatment Fee Include?
Your fee covers more than just the appliances includes comprehensive, high-quality care from start to finish. At Coastal Smiles Family Orthodontics, your investment includes:
- Complete diagnostic records and digital X-rays
- All orthodontic appliances required for your treatment
- Routine adjustment visits and comfort appointments
- One set of retainers after completing full treatment
If replacement retainers or appliances are needed due to loss or damage, a separate fee may apply, and our team will always review these costs with you ahead of time.
What Can You Expect at Your Complimentary Consultation?
Your first visit with Dr. Cardinal is free of charge. During this appointment, we will:
- Evaluate your smile and recommend the best treatment options
- Provide a clear breakdown of treatment fees
- Review flexible payment plans tailored to your budget
- Explain how your insurance benefits apply to reduce out-of-pocket costs
We aim to make orthodontic care both accessible and approachable, with upfront costs and supportive guidance every step of the way.
Why Choose Coastal Smiles Family Orthodontics for Flexible Orthodontic Financing?
At Coastal Smiles Family Orthodontics, we combine exceptional orthodontic expertise with payment options that work for real families. Whether you’re choosing braces or Invisalign®, our mission is to make your journey to a healthy, beautiful smile affordable, straightforward, and stress-free.
Our team is here to help you find a financing plan that fits your needs, so you can begin treatment confidently, knowing you’re investing in long-term oral health and lasting self-confidence.
Frequently Asked Questions About Orthodontic Financing
Navigating orthodontic costs doesn’t have to feel overwhelming. To help you make confident, informed decisions, we’ve gathered answers to some of the most common financial questions families in Naples are asking today. If you ever need personalized guidance or help understanding your benefits, our team is always here to support you.
Do you offer financing options for adults starting orthodontic treatment later in life?
Absolutely. Many of our patients are adults choosing Invisalign® or braces to improve their confidence and oral health. We offer flexible monthly financing options for adult treatment, and we work with insurance providers that cover adult orthodontics whenever available.
Can I use my HSA or FSA for orthodontic treatment if I start mid-year?
Yes. As long as your plan includes orthodontic coverage, you can typically use HSA or FSA funds at any point in the year. Many patients choose to start treatment mid-year and then add additional funds during open enrollment to continue reducing out-of-pocket costs.
What happens if orthodontic treatment takes longer than originally planned?
Occasionally, treatment may continue longer due to growth changes, compliance challenges, or complex bite adjustments. If this happens, our team will review your case, explain any adjustments, and make sure you understand how it affects your timeline. Most of the time, extended visits do not significantly change your financial agreement.
Do you offer same-day starts if I want to begin treatment right away?
Yes! If you’re ready to move forward, and your schedule allows, we can often begin treatment, or collect diagnostic records, the same day as your consultation. This helps you save time and get started without waiting weeks for your next appointment.
Is there a credit check required for your payment plans?
Most of our in-house financing options do not require a traditional credit check. If a third-party financing service is used, requirements may differ—but our team will walk you through every option so you can choose the plan that feels right for you.