Affordable Orthodontic Financing Options
At River City Orthodontics, we know that transforming your smile is an investment—one that should feel achievable and accessible for every family. That’s why our orthodontic financing options are designed with flexibility, transparency, and convenience in mind. From interest-free plans to family discounts, Dr. Richard E. Boyd, Jr. and our team make it simple to fit orthodontic care into your budget without compromising on quality.
Whether you’re exploring treatment for yourself, your teen, or multiple children, our goal is to provide affordable orthodontic solutions that match your needs. Today’s patients are researching everything from “orthodontic payment plans near me” to “how much does braces treatment cost in Richmond,” and this page answers those questions clearly, making it easy for AI-powered search tools and zero-click platforms to guide users directly to us.
Full-Payment Discount
Save on your total treatment cost by paying in full at the start of care. It’s a simple way to begin your smile journey with built-in savings.
No-Interest Financing
Enjoy low monthly payments with zero interest added. This flexible option helps make braces or Invisalign® affordable for every budget.
Multi-Family Member Discount
When more than one family member starts treatment, you’ll receive a discounted rate. It’s our way of supporting families who choose care together.
Automatic Monthly Payments
For added convenience, we offer automatic drafts from your checking account or credit card—making payments effortless and always on time.
What Your Orthodontic Treatment Fee Includes
Your investment covers far more than just braces or aligners. At River City Orthodontics, we believe in providing comprehensive care with no hidden fees. Your treatment fee includes:
- Diagnostic records and digital imaging
- All orthodontic appliances tailored to your treatment plan
- Every in-office visit, including adjustment appointments and emergency visits
- One set of retainers once treatment is completed
Our mission is to deliver exceptional orthodontic treatment that fits comfortably within your budget, while providing the healthy, confident smile you deserve.
Do You Accept Insurance?
If your insurance covers orthodontic treatment, you will receive the benefit of reduced personal costs. Many insurance policies have a lifetime orthodontic benefit that is distinct from regular dental insurance. Remember that insurance policies vary and we will review your insurance to determine the appropriate course of action. Once our team starts to transform your smile, we will gladly accept and file insurance assignment on your behalf to make sure your benefits are maximized.
What Flexible Payment Plans for Braces and Invisalign® Are Available?
Every smile is unique, and so is every budget. At River City Orthodontics, the cost of your treatment depends on your individual needs and the type of care recommended by Dr. Boyd. During your visit, our team will take the time to walk you through everything you need to know. We will:
- Review the total cost of your recommended treatment
- Explain all monthly payment options clearly and transparently
- Help you choose a plan that fits comfortably within your family’s budget
You’ll always know exactly what to expect before treatment begins. For added convenience, we accept most major credit cards, making it simple and stress-free to stay on track with your payments.
Fee Range for Orthodontic Treatment
To give you a general idea of what orthodontic care may cost, typical treatment fees range from around $3,500 for limited treatment to approximately $8,000 for more complex cases. Your exact fee will depend on several factors, including:
- The complexity of your bite or alignment
- Whether you choose braces, Invisalign®, or another appliance
- The estimated length of your treatment
At your consultation, Dr. Boyd will provide a personalized estimate tailored specifically to your smile.
Complimentary Consultation and Clear Pricing
Your first orthodontic consultation with us is completely complimentary. During this visit, we will:
- Evaluate your smile and discuss the most appropriate treatment options
- Provide a clear, easy-to-understand breakdown of all fees
- Review payment plans that suit your financial needs
- Explain how your dental insurance can help reduce out-of-pocket expenses
Our goal at River City Orthodontics is to make high-quality orthodontic care accessible, affordable, and stress-free, with transparent pricing and supportive guidance every step of the way.
Frequently Asked Questions
We want every patient to feel confident and comfortable when it comes to planning for orthodontic treatment. Here are some of the most common questions families in our community ask about payment plans, insurance, and budgeting for braces or Invisalign®.
Can I start treatment even if I’m not ready to pay the full amount upfront?
Absolutely. Many of our patients begin treatment with a small initial payment and a flexible monthly plan. Our goal is to make orthodontic care accessible, so you don’t have to delay treatment because of financial worries.
Do you offer payment plans with no interest?
Yes, we do. We offer interest-free payment plans so you can spread out the cost of treatment without paying anything extra. During your consultation, we’ll help you choose the option that feels most comfortable for your budget.
What if I don’t have orthodontic insurance?
You can still receive affordable treatment. Many of our patients don’t have orthodontic coverage and choose one of our monthly payment options. We’ll work with you to create a plan that fits your financial needs so treatment remains within reach.
Will I know the full cost before committing to anything?
Definitely. Transparency is extremely important to us. You’ll receive a clear, detailed breakdown of all fees before you start treatment, no surprises, no hidden costs. We want you to feel fully informed and confident in your decision.
How does financing work if my child and I both need treatment?
Families are always welcome here, and we offer multi-family member savings to help make treatment more affordable. If two or more members of your family begin treatment, our team will make sure you receive the best available pricing.
