Affordable Braces and Invisalign in the Bay

Orthodontic Financing in the Bay Area

We make orthodontic financing in the Bay Area simple and stress-free. Whether you’re paying with dental insurance, HSA/FSA funds, or our in-house 0% interest payment plan, our team handles the coordination so you can focus on your smile. We also welcome dual-insurance households and are happy to assist. We serve patients across Cupertino, Fremont, and Milpitas.

PAYMENT OPTIONS

Orthodontic Financing Options at Agape

We offer in-house financing with no interest, plus a discount for cash-equivalent payments. No third-party approval required.

MOST POPULAR

0% Interest Payment Plan

Interest-free financing

Down payment required
Monthly payments up to 12 months
Zero interest, always
HSA/FSA flexible

3% Courtesy Discount

Pay in full & save

Professional appearance maintained throughout

Payment via Zelle, cash, or check
3% discount applied at time of payment
Simple, no-hassle process

Insurance, HSA & FSA Coverage

DENTAL INSURANCE

Your insurance may help cover up to $3,000 of orthodontic treatment.

HSA/FSA BENEFITS

Tax-free dollars from your health savings or flexible spending account (HSA/FSA) could help offset some of the cost.

FINANCING

Financing options are available for all patients.

We believe everyone deserves a confident smile—without the stress of finances getting in the way. Many dental insurance plans can cover up to $3,000 of orthodontic treatment. You can also use tax-free dollars from your Health Savings Account (HSA) or Flexible Spending Account (FSA) to lower your out-of-pocket cost. And for added flexibility, we offer financing options for all patients to help make treatment manageable and affordable.

Learn more about eligible HSA expenses at hsastore.com/hsa-eligibility-list or the IRS HSA guidelines.

How We Make Financing Simple

Navigating orthodontic financing in the Bay Area can feel overwhelming — but it doesn’t have to be. At Agape Orthodontics, we handle the hard part for you.

Insurance & Tax-Free Benefits

Many dental insurance plans cover up to $3,000 of orthodontic treatment. Additionally, tax-free dollars from your HSA or FSA can be applied directly toward braces or Invisalign. As a courtesy, our team verifies your benefits and coordinates with your provider before treatment begins.

Flexible In-House Payment Plans

For patients without insurance, or those who need additional flexibility, we offer 0% interest in-house financing. As a result, you can start treatment right away with a simple down payment and monthly installments — no third-party approval required. We also welcome dual-insurance households and are happy to assist with coordination.

what to expect

How financing works at Agape

Book your complimentary smile exam

Come in for a free consultation. We’ll discuss your goals, complete a preliminary orthodontic assessment, and review all your options.

We verify your insurance benefits

Our team contacts your insurance provider on your behalf—including dual-insurance households—so you know exactly what’s covered before committing.

Choose your payment plan

Select the option that fits your life: 0% in-house financing, a pay-in-full discount, HSA/FSA funds, or a combination of all three.

Start your smile journey

Once your plan is set, treatment begins. We’re with you every step of the way—from first aligner to final retainer.

Questions about coverage?

Come on in and explore your financial and insurance options.
Our team is here to walk you through every step—let’s see what we can do to make your smile goals affordable and stress-free.