0% Interest Payment Plans · Most Insurance Accepted · No Hidden Fees
Cost should never stand between you and the smile you deserve. At Freedman & Haas Orthodontics, we make orthodontic treatment accessible for families across Palm Beach County with 0% interest in-house payment plans, support for most major insurance carriers, FSA/HSA acceptance, and more.
Comprehensive orthodontic treatment in our area typically ranges from $3,000 to $8,000 depending on case complexity and treatment type. After insurance benefits and a flexible payment plan, most of our patients find their actual monthly investment is far smaller than the sticker price suggests — often less than what they’d spend on a streaming subscription bundle.
Every patient gets a free consultation that includes a complete financial breakdown — total cost, insurance benefits, monthly payment options, and out-of-pocket — before you commit to anything. No pressure. No surprises. No hidden fees.
Most of our patients spread their treatment cost across 12, 18, or 24 months — interest-free, in-house. Here’s what your monthly payment could look like at different total treatment fees, assuming a typical 25% down payment. Your actual numbers will depend on your treatment plan and insurance benefits, which we’ll review together at your free consultation.
Total Treatment Fee
25% Down Payment
12-Month Plan
18-Month Plan
24-Month Plan
$4,000
$1,000
$250/mo
$167/mo
$125/mo
$5,000
$1,250
$313/mo
$208/mo
$156/mo
$6,000
$1,500
$375/mo
$250/mo
$188/mo
$7,000
$1,750
$438/mo
$292/mo
$219/mo
*Illustrative examples assuming 25% down payment and 0% interest in-house financing. Your actual cost may be lower after insurance benefits ($1,000-$2,000 typical) and FSA/HSA contributions (20-30% effective savings). Final pricing confirmed at your free consultation.
We offer six different payment paths so every patient can find one that fits their budget. Mix and match — most of our patients combine insurance with a payment plan, while others pair FSA/HSA with our paid-in-full discount. We’ll help you choose the optimal combination at your consultation.
Most PopularOption 1
0% Interest In-House Plan
Spread your treatment cost over 12, 18, or 24 months with absolutely no interest, no third-party lender, no credit check. Pay off early with no penalty.
Option 2
Paid-in-Full Discount
Pay your full treatment fee upfront and receive a courtesy discount (typically 3-5%). We pass the administrative savings directly to you.
Option 3
Dental Insurance
We accept most major plans and file claims for you. Coverage typically contributes $1,000-$2,000 toward your total fee. Verified before your first visit.
Option 4
FSA / HSA (Pre-Tax)
Pay with Health Savings or Flexible Spending Account funds. Effectively saves 20-30% by using pre-tax dollars. We provide all needed documentation.
Option 5
Wisetack Financing
For longer terms (up to 60 months). Soft credit pull (won’t affect your score), instant decision, transparent rates, no hidden fees or prepayment penalties.
Maximize Your Insurance Benefits
We accept more dental insurance plans than any other orthodontist in the West Palm Beach area — a deliberate choice that reflects our commitment to making expert orthodontic care accessible to as many families as possible. Whether you have employer-sponsored coverage, an individual marketplace plan, or supplementary orthodontic insurance, our team will verify your benefits before your first appointment, file all claims on your behalf, and explain exactly what your plan covers in plain language.
Call any of our offices and we’ll confirm whether we work with your specific plan. Even if we’re out-of-network, we’ll often still file claims and your benefits may apply.
No Insurance? Here’s How to Make Treatment Affordable
Roughly one in four of our patients comes to us without orthodontic insurance coverage — and that’s never an obstacle to starting treatment. Here’s the path most uninsured patients follow at Freedman & Haas:
Step 1 — Use FSA or HSA dollars if available
If you (or your spouse) have an employer-sponsored Flexible Spending Account or Health Savings Account, orthodontic treatment is a qualified medical expense. Paying with pre-tax dollars effectively cuts the cost by 20–30%. Many patients don’t realize their HSA can be used for orthodontics — it can.
Step 2 — Spread payments with our 0% interest in-house plan
On a typical $5,000 treatment with a 25% down payment, your monthly investment over 18 months would be approximately $208. That’s interest-free, with no third-party lender. For most families, that’s a manageable monthly commitment — comparable to a phone bill or two streaming services.
Step 3 — Stack the paid-in-full discount if you can
If you can pay the full fee upfront, our paid-in-full discount typically saves an additional 3–5% — meaning a $5,000 treatment can become $4,750 or less.
Step 4 — Use Wisetack for extended terms
If you need to spread payments longer than 24 months, Wisetack offers terms up to 60 months. Soft credit pull (won’t affect your score), instant decision, transparent rates.
Our Financial Promise to Every Patient
✓Transparent Pricing
Written, itemized treatment estimate before any treatment begins. No vague “it depends” without context. No surprise add-ons mid-treatment.
✓Insurance Verified Before Your First Visit
We contact your carrier, confirm exactly what’s covered, and explain your responsibility — before you ever walk through our door.
✓No Pressure, Ever
Take your plan home. Sleep on it. Compare quotes. We’ll never use “limited-time” pricing tricks or pressure tactics. Free consultations have zero obligation.
✓No Hidden Fees
Retainers, adjustment visits, and emergency visits during active treatment are all included in the quoted fee. We don’t itemize and surprise you later.
Ready to Get Your Personalized Financial Plan?
Your free consultation includes a complete financial breakdown — exact treatment cost, insurance benefits, monthly payment options, and your total out-of-pocket — before you commit to anything.
