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Financing

Orthodontic Financing

Cost should never be a barrier to a healthy smile. Flexible financing options adapted to your situation.

Investment

Understanding the cost of your treatment

The cost of orthodontic treatment varies according to several factors specific to each patient. During your free orthodontic consultation, we will provide a detailed and transparent quote, with no bad surprises.

Factors that influence cost

  • Case complexity simple alignment costs less than a complete skeletal correction
  • Treatment duration a 12-month case differs from a 30-month treatment
  • Type of appliance chosen classic braces, ceramic, lingual or clear aligners
  • Patient age interceptive treatment in children is generally shorter and less costly

Free orthodontic consultation includes

Complete clinical examination, personalized evaluation, treatment plan presentation, detailed cost estimate and explanation of all payment options. No surprises — everything is clearly explained before starting.

Options de financement pour traitements orthodontiques
Payment

Flexible payment options

Full payment

Pay for your entire treatment at the start and enjoy a substantial discount. This is the most advantageous option for those who can. The exact discount amount will be communicated during your consultation.

Monthly plans

An initial deposit followed by monthly installments spread over the treatment duration. No interest. Automatic withdrawal available for your convenience. We adapt the plan to your budget.

External financing

We accept third-party financing programs for those who wish to spread payments over a longer period. Inquire during your consultation to learn about available options.

Discounts

Save on your treatment

Family discount

Have multiple children to treat? Enjoy a discount for each additional child enrolled in treatment. The more you are, the more you save. Ask for details during your consultation.

Full payment discount

A significant discount is offered when you choose to pay for the entire treatment at the start. This saving is applied directly to the total amount of your treatment plan.

Special programs

Periodic promotions may be offered throughout the year. Contact our team to learn about current promotions and maximize your savings.

Insurance

Dental insurance and orthodontics

Most dental insurance plans offer partial coverage for orthodontics. Understanding your policy will help you maximize your benefits.

Typical coverage

Most insurers cover approximately 50% of orthodontic fees, with a lifetime maximum ranging between $2,000 and $3,000. Some policies offer higher coverage. Check the details of your plan.

Claims process

  • Pre-determination we submit an estimate to your insurer before treatment begins
  • Claims submission we provide you with all necessary documents
  • Payment to the clinic you pay the total amount to the clinic
  • Reimbursement by insurer your insurer reimburses you directly according to your coverage

Important note: orthodontists do not bill insurance companies directly. You receive your reimbursement directly from your insurer after submitting your receipts.

Assurances et plans de paiement
NIHB Program

Health services for First Nations and Inuit

Our clinic is one of the few orthodontic clinics to offer the NIHB (Non-Insured Health Benefits) program in the greater Montreal area. We are proud to support Indigenous communities toward a healthy smile.

Complete coverage

The NIHB program covers all necessary orthodontic care for registered First Nations and Inuit members:

  • Initial orthodontic evaluation
  • Complete treatment (braces and appliances)
  • Retention phase
  • X-rays and diagnostic imaging

Communities served

We welcome patients from Kanesatake, Kahnawake, Akwesasne, Wendake and all other First Nations and Inuit communities in Québec and Canada.

Simplified process

1

Eligibility verification

Bring your status card and we will verify your eligibility.

2

Pre-authorization

We submit the pre-authorization request to the program for you.

3

Approval and treatment

Once approved, treatment begins at no cost to you.

4

Direct billing

We bill the NIHB program directly — no out-of-pocket expense for you.

No upfront fees

The entire treatment is covered by the program. You have nothing to pay to start or during treatment.

Paperwork handled

Our team handles all administrative documentation and pre-authorization requests with the NIHB program.

Direct billing

Unlike private insurance, we bill the NIHB program directly. You have no claims to submit.

Your questions

Frequently asked questions about financing

Yes, absolutely. The majority of our patients choose a monthly payment plan. An initial deposit is required at the start of treatment, then the balance is spread over interest-free monthly installments throughout the treatment. We adapt the plan to your budget during your consultation.

The cost of clear aligners is generally comparable to traditional braces. The final price depends more on the complexity of your case than on the type of appliance chosen. During your free orthodontic consultation, we will present you with the different options and their respective costs so you can make an informed choice.

We understand that life can bring unexpected events. If your financial situation changes during treatment, talk to us. We will work with you to find a solution adapted to your new situation. Your treatment will not be interrupted due to temporary difficulties.

We accept Visa, Mastercard, Interac (debit), cheques and cash. For monthly payment plans, automatic withdrawal by credit card or Interac is available for your convenience. All options will be explained during your consultation.

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Ready to discuss your options?

Free orthodontic consultation • Personalized quote • Flexible financing

☎ 450.983.4233 Book an appointment online
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Your orthodontist

Dr David Benguira

Certified orthodontist with over 20 years of experience, Dr Benguira completed his orthodontic training at the Université de Montréal after a doctorate in dental medicine. A recognized specialist on the North Shore, he combines clinical expertise and cutting-edge technology to deliver exceptional results for every patient.

Quebec Dental Board Quebec Association of Orthodontists Invisalign Certified LightForce Certified
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Dr David Benguira, orthodontist in Saint-Eustache