Financial Options

Investing in Your Smile, Without the Stress

Talking about money shouldn’t feel like another thing to brace for. If you’re weighing the cost of a new smile against everything else on your plate, that hesitation is normal, and it’s one Nikki, our office manager, and the rest of the team hear every single day.

Here’s what we believe: the right treatment plan shouldn’t be decided by what your insurance allows or what fits neatly into a payment box. It should be decided by what’s actually best for your smile. So before we ever talk numbers, we talk about you: your goals, your timeline, your comfort level with the process. Then we sit down with you to build a financial plan around that, not the other way around.

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A Plan That Makes Sense From Day One

Every smile is different, so every treatment fee is too. Yours is based on the complexity of your case, not simply how many times you sit in the chair, and we will walk you through exactly what to expect before treatment ever begins. Generally, that means an initial payment when we take your records, with the rest spread out across treatment in a way that actually fits your budget. Anything unexpected, like a lost retainer needing to be replaced, gets priced out for you upfront, so nothing shows up on a bill as a surprise.
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Making the Most of Your Insurance Benefits

Insurance can help offset part of the cost, and handling that paperwork is something our team has gotten very good at. In most cases, we’re able to accept assignment of your benefits directly and file the claim on your behalf, so it’s one less thing sitting on your to-do list.

Orthodontic coverage almost always runs separately from your general dental benefits, with its own lifetime maximum and its own set of rules. Before treatment starts, Nikki reviews your specific plan with you so you know what’s covered, what isn’t, and what to expect out of pocket, no guessing required.

And because we’re not locked into any one carrier’s network, your fee is set by your treatment plan, not by what a contract allows. We’ll still do the legwork to help you claim whatever your plan owes you along the way.

Our Commitment Is to You, Not an Insurance Company

Dental insurance was never really built to cover the full cost of orthodontic care. It’s a limited benefit with a hard ceiling, not a blanket that covers everything, and that ceiling doesn’t move no matter how complex your case is or how long your treatment takes.
That’s exactly why Dr. Cramer designed this practice to answer to you first. We made the choice to stay independent of insurance company contracts so that your treatment plan is shaped by what your smile actually needs, not by what a carrier’s fee schedule allows. It means Dr. Cramer can spend real time with you instead of rushing to hit a quota, use materials chosen for how well they’ll hold up rather than how cheaply they’re reimbursed, and build a plan around your goals instead of someone else’s spreadsheet. Then, we make sure you still get every dollar of benefit you’re entitled to along the way.

A Team That's In Your Corner

At the end of the day, Dr. Cramer wants to make world-class orthodontic care something you can actually afford to say yes to. That means honest conversations about cost, a team that fights for every dollar of benefit you’re owed, and a payment plan tailored to your life.
If you have questions about your specific case, Nikki and the team are ready to talk it through with you, no pressure, no jargon.
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Denton Office
Krum Office