Affordable Financing for Orthodontic Care

At Harwell & Cook Orthodontics, we believe everyone deserves access to high-quality orthodontic care without financial stress holding them back. That’s why Dr. Anthony Harwell and Dr. Tanner Cook offer flexible financing solutions designed to make treatment achievable for every budget and every family. Our goal is simple: help you get the confident, healthy smile you’ve always wanted, without unnecessary financial barriers.

What Options Help Reduce the Cost of Orthodontic Treatment?

We provide several ways to make your investment in orthodontics more manageable:

  • Full-payment discounts for patients who choose to pay in advance
  • No-interest financing with a low initial payment and comfortable monthly installments
  • Multi-family-member discounts when more than one person in a household begins treatment

During your consultation, our team reviews your personalized treatment plan and works with you to select a payment option that supports your financial goals while keeping treatment on track.

What Payment Methods Can You Use?

To ensure the process stays simple and stress-free, we accept several convenient payment options:

  • Automatic bank drafts
  • Monthly credit-card payments
  • Debit and major credit cards, processed in-office or online

Our team can tailor a payment schedule that aligns with your needs, making it easier to focus on your smile, not your budget.

What Is Included in Your Orthodontic Investment?

Your treatment fee covers far more than just braces or aligners. You receive a complete, supportive orthodontic experience that includes:

  • Ongoing expert care and supervision by our doctors
  • All routine visits, adjustments, and progress checks
  • Emergency appointments at no additional cost
  • One set of final retainers to help maintain your results long-term

We take pride in offering transparent pricing with no hidden fees. You’ll always know exactly what’s included and why it matters to your treatment success.

What Isn’t Included in Your Investment?

While we keep our pricing clear and comprehensive, certain items fall outside the treatment fee:

  • Dental work performed at offices outside our orthodontic practice
  • Additional costs associated with injuries or unusual conditions, such as TMJ issues, orthognathic surgery, or extended orthodontic needs, if these arise during treatment

If any unexpected circumstances occur, we will discuss adjustments with you openly and thoroughly.

When Will You Learn About Costs and Payment Options?

You’ll receive a detailed cost estimate during your complimentary orthodontic consultation. This includes:

  • A review of your recommended treatment plan
  • A breakdown of all associated fees
  • A clear explanation of your financing and payment options

We want every patient to begin treatment feeling informed, comfortable, and confident in both their care and their investment.

Do We Accept Insurance or Health Savings Plans?

Yes, we work with most major orthodontic insurance plans and will help you understand your coverage. We can also explain how to use your FSA (Flexible Spending Account) or HSA (Health Savings Account) for orthodontic expenses.

If your plan allows direct assignment, we’ll file claims for you to help reduce your out-of-pocket responsibility.

Why Choose Harwell & Cook Orthodontics for Flexible Orthodontic Financing?

Families choose us because we combine exceptional orthodontic care with financing options designed for real-life budgets. Whether you’re considering braces or clear aligners, we make it easy to begin treatment with confidence.

Our team is committed to finding a solution that supports your goals, your timeline, and your financial comfort, so your journey to a healthier, brighter smile feels smooth, accessible, and stress-free.

Frequently Asked Questions

We know that cost is an important part of your decision-making process. These frequently asked questions address common financial concerns patients and families have before starting orthodontic treatment.

Yes. Many patients begin treatment with a low initial payment and continue with manageable monthly payments throughout care, allowing you to start right away without waiting to pay in full.

If your circumstances change, our team will work with you to review your payment plan and discuss possible adjustments. Open communication helps us keep treatment moving forward without added stress.

Yes. Flexible financing options are available for all orthodontic treatments we offer, including braces and clear aligners, based on your personalized treatment plan.

In most cases, monthly payments remain consistent once your plan is set. If changes are needed due to insurance updates or treatment adjustments, we will review everything with you in advance.

Payment terms are reviewed during your financial consultation. If you’re interested in paying ahead or adjusting your payment schedule, our team will walk you through the available options so you clearly understand how your account is structured.