Financing & Insurance
Making Your Smile Affordable
At Cranford Orthodontics, we believe everyone deserves a confident smile — and we’re committed to making it affordable for every family.
We offer zero-interest in-house financing, accept most insurance plans, and provide support every step of the way — including verifying your benefits and handling all paperwork on your behalf. Whether you're starting Invisalign, clear braces, or another treatment, we'll help build a plan that fits your budget and lifestyle.
Flexible Payment Options
We know orthodontic care is an investment — that’s why we make it as stress-free as possible.
In-house financing includes:
No interest payment plans
Adjustable down payments
Flexible monthly payments
Payment terms tailored to your needs
We also accept third-party financing through trusted providers like:
You’ll review your financial options during your complimentary consultation — no pressure, no surprises.
Insurance Plans We Accept
Cranford Orthodontics works with all insurance plans, including those we do not directly participate with. In most cases, you can still receive full benefits, and our team will handle claim submissions and follow-up for you.
We participate with and submit claims for major providers including:
If you’re unsure whether your plan includes orthodontic benefits, we’ll verify it for you before treatment begins.
Insurance FAQs
Many plans offer orthodontic coverage as a separate benefit. We’ll review your policy, confirm eligibility, and help you make the most of your available benefits.
Yes! We work with all insurance companies and will still help you file and maximize out-of-network benefits. You may still receive full or partial coverage.
Not necessarily. We’ll provide a transparent quote and explain your options. We offer zero-interest financing and work with all major insurance plans.
Absolutely. Orthodontic treatment is an approved expense for both Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA).
In-house financing is interest-free and managed directly through our office. CareCredit and LendingClub are third-party financing options offering extended payment plans.
Let’s Make Your Smile Happen
No matter your insurance plan or budget, we’re here to make orthodontic care accessible — with clear guidance, no hidden fees, and flexible options that work for you.
We’re happy to answer your questions and get you started with a complimentary consultation.
📍 Cranford Orthodontics
118 North Ave West, Cranford, NJ 07016
(Located in the Cranford Professional Building, next to the Citgo Station)
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