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Dr Benguira
Saint-Eustache · 464 rue du Parc Montreal · 3766 Queen Mary Rd Maps and directions
450.983.4233
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Financing

Orthodontic Payment Plans

Explore orthodontic payment options in Saint-Eustache and Montréal. Understand your total fee, deposit and monthly schedule before deciding on treatment.

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, before you decide on treatment.

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
  • Care required diagnostic records, treatment stages and follow-up appropriate to your case

Free orthodontic consultation includes

Complete clinical examination, personalized evaluation, treatment plan presentation, detailed cost estimate and explanation of all payment options. Ask which diagnostic records, appliances, follow-up visits and retention services are included in your written estimate.

Orthodontic financing and payment options
Payment

Flexible payment options

Full payment

Ask our team about paying the total fee at the start. Any conditions that apply will be set out in your written estimate so you can compare the available arrangements.

Monthly plans

Discuss an initial deposit and monthly installments with our team. Your agreement specifies the amounts, payment schedule and any applicable financing conditions. Review the total repayment amount before choosing an arrangement.

External financing

If you are considering financing through a third party, ask about the options currently available. Review the provider's eligibility criteria, interest, fees and total repayment amount before accepting an offer.

Plan your treatment

Orthodontic payment plans in Saint-Eustache and Montréal

Bring your questions about costs to your free initial orthodontic consultation. We will review the treatment options and the proposed payment arrangement with you.

Your total fee

Review the proposed treatment, what is included and any services billed separately.

Your deposit and schedule

Check the initial payment, monthly installments, payment dates and any financing conditions in writing.

Your clinic

Choose Saint-Eustache or Queen Mary in Montréal when you request an appointment.

Request an orthodontic consultation Saint-Eustache: 450 983-4233 Montréal: 514 667-9498
Insurance

Dental insurance and orthodontics

Some dental insurance policies include orthodontic benefits. Check your own policy before making a treatment decision.

Typical coverage

Ask your insurer about orthodontic eligibility, age limits, reimbursement percentage, lifetime maximum, remaining benefits and any waiting period. Coverage varies, including for adult treatment.

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

Before treatment: confirm the reimbursement and billing arrangements with our team and your insurer. A predetermination or estimate does not guarantee payment.

Insurance and payment planning
NIHB Program

Health services for First Nations and Inuit

Our team can assist eligible First Nations and Inuit clients with orthodontic requests under the Non-Insured Health Benefits (NIHB) program. Coverage depends on the program's criteria and prior review.

Coverage review

A coverage request may involve the following records and treatment stages. The program decides which services are eligible:

  • 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

Review the approval, covered services and any costs with our team before treatment begins.

4

Direct billing

Our team will explain direct billing for services approved by NIHB.

Confirm coverage first

Do not assume that every treatment is covered. Ask which services have been approved and whether any costs remain your responsibility.

Paperwork handled

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

Direct billing

For approved services, our team can explain how NIHB direct billing applies to your treatment.

Your questions

Frequently asked questions about financing

Monthly payment options can be discussed during your orthodontic consultation. Your written agreement will set out the total fee, initial deposit, payment amounts and schedule, and any applicable financing conditions before you decide.

Ask our team about payment options for treatment at either clinic: Queen Mary in Montréal or rue du Parc in Saint-Eustache. The terms depend on the treatment and the agreement proposed to you.

The fee depends on your diagnosis, treatment complexity, appliance and planned follow-up. Ask for a written comparison of the options appropriate for your case, including what is covered by each estimate.

Coverage depends on your policy. Check adult eligibility, the reimbursement percentage, lifetime maximum and any remaining benefits with your insurer. An estimate is not a guarantee of reimbursement.

Contact our team promptly to discuss your situation and review the existing payment agreement. Any change to the arrangement must be discussed and confirmed; it is not automatic.

NIHB orthodontic coverage is subject to client eligibility, clinical criteria and predetermination. Our team can help with the documentation. Wait for the coverage decision and clarification of any costs before starting treatment.

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Ready to discuss your options?

Free initial orthodontic consultation • Written estimate • Payment options

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Your orthodontist

Dr David Benguira

Dr David Benguira is an orthodontist, FRCD(C), with more than 15 years of hospital experience. His practice includes adult orthodontics, complex cases and multidisciplinary planning with other dental professionals when appropriate.

Ordre des dentistes du Québec Quebec Association of Orthodontists Invisalign Certified LightForce Certified
Learn more about Dr Benguira →
Dr David Benguira, orthodontist in Saint-Eustache
450.983.4233 Book appointment