“The value of one’s
orthodontic experience
stays with them long
after the price has
been forgotten.”

Forward Benefits of Orthodontics

Although dental health concerns are frequently the primary reasons for orthodontic treatment, treatment is also based on the appearance of the person’s face, mouth and teeth.


According to a survey released by the Academy of General Dentistry, a person’s smile—not the clothing, hair or eyes—is what others notice first.


Research has proven that children and adults who believe their teeth are unattractive may suffer from a lack of self-esteem and confidence. Whether you are a teenager competing in high school, a college graduate about to begin your professional career, a young executive striving to establish your position in the business world, a young mother attempting to create an ideal image for your children, a child standing on the threshold of a lifetime, or whether you are a grandmother who is enjoying a senior position of respect and dignity within the family circle…a beautiful, healthy smile translates into happiness invites communication, and opens the doors to success and fulfillment.

For pennies a day,
over one’s lifetime,
anyone can have a
beautiful smile with
well-functioning teeth
that last a lifetime.

Affordable & a Great Investment

Orthodontics is both affordable and a great investment. In comparison to the cost of healthcare and large investment items, such as cars and college, orthodontic treatment is a bargain.

Several analysts state that if treatment fees increased at the rate of health care and inflation, orthodontic treatment would be in the $8,000 to $12,000 range, double the cost of orthodontic treatment today.

Orthodontic treatment is more affordable than ever!
In view of the psychological benefits of orthodontics, the improved oral and dental health, the lifetime benefits of a beautiful smile, orthodontics is an excellent investment.


In view of Dr. Ray’s unparalleled education and training in association with several outstanding clinicians in the field, plus cutting edge contemporary orthodontics, outstanding facility and “Experience”, Ray Orthodontics is an excellent value!

Payment in full
receives 7% off of the
treatment fee!

Financing Orthodontics

We will do anything we can to make braces fit into the patient’s financial plan.

• Payment Plan

We offer interest free payments scheduled over the term of care. This is a great benefit!

• Credit Cards

We accept Visa, MasterCard, Discover, and American Express for down payments and monthly installments.

• Flexibility

Split the down payment into two or three installments with monthly payments beginning only after the down payment is satisfied. We can develop monthly payments to fit into the patient’s budget.

• Automatic Deductions

You may choose to utilize our auto debit system which will automatically debit your monthly payment from your checking, savings, or credit card account. Patients choosing this method of payment will receive a credit in the amount of $100.00, which will be deducted from their last payment.

Special Financing -- Apply Now!

Wells Fargo Financial

It's fast and easy. After submitting your application, you will receive a credit decision within a few seconds.

• Insurance

Ray Orthodontics accepts most insurance plans. We also will manage the paperwork and accept assignment of benefits. What a time and energy saver!

Don’t let uncertain economic
times delay treatment best
done now for the patient.
Take advantage of these
payment options.

• Flexible Spending Accounts

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 nation’s largest companies offer these taxfavored savings accounts. Depending on an individual’s 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.

• Creative Plans

Our staff can assist on MSA’s, 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.

• Special Options

Multi-Family Discount:
families with more than one child in treatment will receive a $250.00 discount off the total fees for each additional child in treatment.

Referral Discount:
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
special programs.

Third Party Financing


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 or by
calling 1-800-337-4171.


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, 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.

More Affordable Treatment Options


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 phase—a 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!

Family Discount Program

This unparalleled program benefits large families and families where the parent also wants orthodontic treatment.

  • For a second family member...................

  • For a third family member........................

  • Four a fourth family member....................

  • For a fifth family member.........................

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.

Family Referral Discount Program

"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.

Community Service & Healthcare Professional Discount

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!

Other Discounts & Modifications

  • Payment in full at beginning of treatment............................

  • Montly payments from automatic bank withdrawals.............

  • Start with Contract/Records at the New Patient Exam.........

7% discount

2% discount

3% discount

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!

You will be upset if you do not choose Ray Orthodontics!

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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