A Clear Path to Treatment
Insurance & Financing
Orthodontic care should feel like a step forward, not a financial gamble. At American River Orthodontics, every financial conversation is designed to do one thing well: help you understand what’s possible, without pressure, confusion, or rushed decisions.
Explore flexible orthodontic financing, with low down payments, interest-free plans, HSAs, FSAs, and support through every step.
Orthodontic care that respects your life and your budget
Cost concerns are one of the most common reasons people delay orthodontic treatment. Not because they don’t care, but because they don’t want to make the wrong decision.
That’s why our practice approaches insurance and financing as part of care itself, not an afterthought. From the first consultation, the goal is to build a plan that makes sense for your life today and feels sustainable over time.
You’ll never be asked to “figure it out later” or commit before you’re ready. Clarity comes first.
Flexible Orthodontic Financing Options in Sacramento
Affordability doesn’t look the same for every patient. Some people want small, predictable monthly payments. Others prefer to use savings or benefits strategically. Many families combine approaches to create a plan that feels comfortable from day one.
That’s why American River Orthodontics offers a range of orthodontic financing options, including low down payments and flexible structures that meet patients where they are — not where a formula says they should be.
Options available to patients include:
In-house, interest-free payment plans
Outside financing through LendingPoint
CareCredit®
HSA and FSA payments
Visa and MasterCard
Family discounts
In many cases, these options can be combined — for example, a low down payment with monthly in-house financing, supplemented by HSA or FSA funds — to create a plan that feels manageable without sacrificing care.
Every option exists for one reason: to remove unnecessary barriers between you and treatment that supports your long-term health and confidence.
Invisalign® clear aligners can be faster and less painful than braces, and because they are removable teens don’t miss out on the food or activities they love.
Treatment choices guided by what works best for you
Every smile is different. Every treatment plan should be, too.
At American River Orthodontics, pricing is based on the complexity of the orthodontic case, not on whether you choose traditional braces, Invisalign, or LightForce braces. The focus stays on achieving the best result in the healthiest, most efficient way possible.
This allows patients to choose treatment options that fit their lifestyle and preferences without feeling financially steered toward or away from a specific solution. The conversation stays where it belongs — on outcomes, comfort, and long-term stability.
Making sense of insurance without the stress
Dental insurance can be helpful, but it can also be confusing, limited, or inconsistent. Many patients arrive unsure what their plan covers or worried they’ll miss something important.
Our team helps translate insurance benefits into clear expectations. We work with a wide range of insurance providers and assist in maximizing available orthodontic benefits whenever possible. Insurance is treated as one part of a thoughtful financial plan, not something you’re expected to navigate alone.
For patients who want a deeper understanding, we also provide an in-depth article that explains how orthodontic insurance typically works in Sacramento, including age limits, waiting periods, and lifetime maximums.
Using HSAs and FSAs to take control of costs
Health Savings Accounts and Flexible Spending Accounts give many families more control over how orthodontic treatment fits into their financial picture.
HSAs allow eligible patients to use pre-tax dollars for orthodontic care and can be especially effective for long-term planning since funds roll over year to year. FSAs, commonly offered through employers, also allow pre-tax spending for orthodontic treatment, though funds are typically tied to the plan year.
We’ll help you understand how these accounts can be used as part of your overall treatment plan.
Thoughtful timing, not rushed decisions
Sometimes the best decision isn’t to start immediately. It’s to plan well.
If orthodontic treatment is likely in the next year or two, discussing timing around open enrollment can be helpful. For adults, that may mean waiting until a plan year that includes orthodontic benefits. For children, it may involve understanding whether waiting is clinically appropriate or if earlier treatment would provide meaningful benefits.
These conversations are never framed around urgency. They’re based around what supports the best outcome for you now and in the future.
What a complimentary consultation with us is meant to do
A free consultation at American River Orthodontics isn’t about selling treatment. It’s about creating clarity.
Families from Sacramento, Arden-Arcade, Carmichael, Fair Oaks, and Rancho Cordova use consultations to understand treatment options, talk through insurance and financing, and leave with a clear picture of what comes next without obligation.
If cost has been the question holding you back, this is where that weight starts to lift.
You don’t have to decide today.
You just need a place where the conversation feels honest, supportive, and focused on you.
