Financial & Insurance

It is our mission to provide you with affordable, high-quality treatment that fits your budget. We offer a variety of payment options to meet your needs. Please ask us about financing options, credit card payments, and bank drafts. We thoroughly explain your options, so that we can accommodate your needs.


If your insurance covers orthodontic treatment, you will receive the benefit of reduced personal costs. Many insurance policies have a lifetime orthodontic benefit that is distinct from regular dental insurance. Remember that insurance policies vary, and we will review your insurance to determine the appropriate course of action. Before your initial consultation, our office will verify your insurance benefits for you with your insurance carrier. This allows us to better estimate your out-of-pocket expense. Once treatment has started, we will file your claims.

Our office participates with most insurance plans in Western New York. To help us with your insurance filing, please complete the insurance questions on our questionnaire.

Please remember that orthodontic insurance is a benefit for you or your child. If – during the course of treatment – your benefits change, the financially responsible party is accountable for all charges.

Flexible Spending (Flex) or Health Savings Accounts (HSA)

Many employers are now offering flexible spending or health savings accounts as a benefit to their employees. The purpose of these accounts is to use tax-free dollars for health-care spending. Orthodontic treatment, including Invisalign, is typically eligible for use with flex/HSA money. Please contact our office if you are interested in using your flex/HSA for orthodontic treatment, and we can walk you through the process.


Care Credit ImageFarley Orthodontics offers financing through CareCredit, enabling you to pay for out-of-pocket dental expenses for you and your family’s dental care. Once you have been approved for CareCredit, you can use it to cover dental treatment costs not covered by insurance. CareCredit extends special financing options that you may not always be able to get using your Visa or Mastercard.

CareCredit makes it easy for you to afford any of the dental treatments you or your family need with no interest financing and low, affordable monthly payment plans. Additionally, you can use CareCredit at any healthcare provider who accepts it.

Please call our office you have any additional questions regarding applying for CareCredit.