It's fast and easy. After submitting your application, you will receive a credit decision within a few seconds.
|Dont let uncertain economic
times delay treatment best
done now for the patient.
Take advantage of these
One method that families use for general medical expenses that they may not think about for braces is a flexible spending account. Over one half of the nations largest companies offer these taxfavored savings accounts. Depending on an individuals tax bracket, a person can save 15 to 40 percent by using them.
Patients can use up their savings at the end of the calendar year with a down payment for orthodontics.
We can even offer discounts to patients who sign contracts at year-end who will then fund their accounts for the following year.
Our staff can assist on MSAs, borrowing against a life insurance policy and gifting mechanism that reduces estate taxes.
Before pursuing any investment or tax-advantaged opportunity, consult your attorney or tax advisor.
families with more than one child in treatment will receive a $250.00 discount off the total fees for each additional child in treatment.
Refer a new family to our practice and $100.00 will be deducted from your last payment, if this family begins treatment.
|If the down payment is
a problem or multiple
family members begin
treatment, we have
A national plan designed specifically to finance orthodontic treatment, this company offers flexible payment options and the lowest available rates. They have recently introduced an online instant approval program for advance approval and financing at the time of the exam. Information is available on
their website at
www.Amerifee.com or by
This company offers a variety of financing options with varying rates and a payment plan based on your credit history. You may apply online or by fax, either in our office or in the privacy of your own home. They offer a variety of options such as 90 days same as cash, no payments for 6 months, no down payment and loan terms up to 7 years.
Contact them online at
by phone at 1-800-637-8324,
or by faxing an application which we provide to you to 1-800-466-0043.
While this lender does not offer as many options as some, they are more lenient with those who have experienced past credit problems.
Applications can be made online at
finance.com, by phone at
1-310-551-0988 or by
fax at 1-310-.551-0989.
|We are making orthodontics
affordable with excellent
results that meet the desires
and needs of our patient.
For our two phase treatment, we subtract first phase from the full treatment price. In almost all other practices, second phase is close to or the same as the fee for the full treatment. This results in a significant cost saver for our patients!
For difficult cases requiring early intervention, we have a treatment plan of an early phase, followed by a rest phase, then final phase. Monthly payments are extended over the total treatment period, significantly reducing the impact on the monthly budget!
Additionally, we have found that using a positioner after the first phase not only gives an excellent finish, but most of the time eliminates the need for a second phasea significant cost advantage for the family and no metal for the kids!
Due to the tremendous response to this exciting technology, decreased charges from the Invisalign company, and our increased experience with the product, we are now able to offer Invisalign at a cost comparable to traditional fixed appliances, and offer the same financing options as our regular braces.
We do not charge extra for cosmetic appliances. We want the patients to get what they really want!
This unparalleled program benefits large families and families where the parent also wants orthodontic treatment.
5% discount on patient fees
7.5% discount on patient fees
10% discount on patient fees
12.5% discount on patient fees, etc.
For a limited time, a family with one or more members receiving treatment at another orthodontist will receive the same discount schedule above!
For a limited time, if a patient has had a first phase at another office, we will subtract their first phase payment from our total fee, a significant savings.
"One Big Happy Family" - If you refer a relative, friend, neighbor, coworker, etc. who begins treatment at Ray orthodontics, you will receive a $100 voucher that can be used towards orthodontic treatment, saved for a down payment on future treatment, to replace a lost retainer, etc. No limits on how many vouchers you can use. In theory, avid passionate referrers can pay for all of their orthodontic treatment with referrals.
In respect to our community service professionals and their family members - teachers, police, fire and clergy - we offer a 5% discount! And ask about our discounts for our fellow healthcare/dental staff members and families!
Orthodontic treatment is a major investment. However, orthodontic treatment is more affordable today than ever! In comparison to the increasing cost of healthcare, "high-tech" items such as cars, and college tuition, orthodontic treatment is a bargain. Considering the long term improvements of oral and dental health, orthodontic treatment is an excellent investment. In terms of the psychological benefits of a beautiful smile, orthodontic treatment is priceless!
Dr. David Ray is an orthodontist specializing in giving you a gorgeous smile. At his office, Ray's World Orthodontics located in Westerville, Ohio, Dr. Ray will treat the whole family while striving to set the standards in orthodontics by continually updating materials, methods and service for the most extensive and current care possible.
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