Financing & Payment Plans for Braces & Invisalign in Nashville
Make orthodontics affordable with flexible payment plans at Music City Orthodontics. We offer in-house 0% financing with a down payment during treatment—or Cherry financing for longer terms with no down payment. We accept all orthodontic insurance plans and are in-network with most major providers, plus HSA/FSA.
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How Our Orthodontic Financing Works in Nashville
At Music City Orthodontics, we make braces and Invisalign affordable with flexible payment options tailored to your needs.
In-House 0% Financing (During Treatment)
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A down payment is required.
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The remaining balance is divided into monthly payments over the length of active treatment.
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No interest charges — every dollar goes toward your care.
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Pay-in-full discounts are also available if you prefer.
Cherry Financing (Extended Terms Beyond Treatment)
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Perfect if you need more time than your treatment length allows.
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No down payment required — terms, interest, and approval are handled directly through Cherry.
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Multi-year plans available depending on eligibility.
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Ask us for the Cherry application link at your consultation.
Insurance, HSA & FSA Benefits
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We accept most orthodontic insurance plans and will verify your benefits for you.
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HSA/FSA funds are welcome and can be applied to treatment.
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You’ll always receive clear estimates before starting care.
Orthodontic Insurance, HSA & FSA in Nashville
At Music City Orthodontics, we accept most orthodontic insurance plans and will verify your benefits at your free consultation. Even if we are not in-network with your provider, we will handle the paperwork and help maximize your coverage.
You can also use HSA and FSA funds toward braces or Invisalign. We’ll provide documentation and receipts to make reimbursement simple.
💡 Tip for patients: Bring your insurance card and HSA/FSA info to your consult, and we’ll give you a clear estimate of your out-of-pocket costs before treatment starts.
Use HSA & FSA for Orthodontic Treatment in Nashville
Many patients choose to pay for braces or Invisalign using pre-tax dollars through a Health Savings Account (HSA) or Flexible Spending Account (FSA). At Music City Orthodontics, we make the process simple:
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HSA & FSA funds accepted — apply them directly toward your down payment or monthly installments.
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All treatment types — braces, Invisalign, retainers, and appliances are eligible expenses.
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Receipts & documentation provided — we’ll give you detailed statements so you can submit for reimbursement if needed.
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Maximize savings — using HSA/FSA can lower your out-of-pocket cost by 20–30% depending on your tax bracket.
Example Monthly Payment Plans for Braces & Invisalign in Nashville
We believe in transparent orthodontic financing. These examples show how payments can work with required down payments. Actual monthly costs may vary based on your treatment plan, insurance, and timeline.
Braces ($4,700 total with retainers included)
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$500 down payment, then interest-free monthly payments during treatment
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18 months: ≈ $233/month
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24 months: ≈ $175/month
Invisalign (most full cases around $5,950 — fee may be lower or higher)
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$1,000 down payment, then interest-free monthly payments during treatment
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18 months: ≈ $275/month
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24 months: ≈ $206/month
Invisalign Touch-Up (very limited anterior cases — $3,499 total)
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$750 down payment, then interest-free monthly payments during treatment
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6 months: ≈ $458/month
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8 months: ≈ $344/month
If you need more time beyond active treatment, ask about Cherry financing — no down payment required, with multi-year terms available (subject to approval).
What Happens at Your Free Consultation
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Benefits check — We verify your orthodontic insurance coverage and HSA/FSA eligibility.
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Treatment & timeline review — Dr. Ajay Singh, DDS, MS, explains your options and expected length of treatment.
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Payment setup — Choose between in-house 0% financing (with down payment) or apply for Cherry if you need longer terms with no down payment.
Financing & Payment FAQs
Do you require a down payment for in-house financing?
Yes. Our in-house 0% plans require a down payment (typically $500 for braces, $1,000 for Invisalign, and $750 for Invisalign Touch-Up). The balance is divided into monthly payments during active treatment.
Can I finance without a down payment?
Yes — through Cherry. Cherry offers longer-term financing with no down payment. Interest rates, terms, and approval are determined directly by Cherry.
Is orthodontic treatment covered by insurance?
Many dental insurance plans include orthodontic benefits up to a lifetime maximum. We verify your benefits, estimate your out-of-pocket costs, and apply them toward your monthly plan.
Can I use HSA or FSA funds?
Absolutely. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be applied toward orthodontic care. We provide itemized receipts for reimbursement.
Do you offer a pay-in-full discount?
Yes. Patients who pay in full at the start of treatment receive a bookkeeping discount.