Monthly payments by ACH
0% interestInterest-free payments are available when you pay by ACH from your bank account.
Financial information · South Bay
In-house financing. A clear plan for your smile.
Your next chapter starts with clear information. Beach Braces offers in-house monthly payment plans for braces and Invisalign® directly through our Manhattan Beach practice, with interest-free ACH payments and down payments as low as $250.
At your complimentary consultation, we will explain your treatment fee, estimated insurance benefits when verified in advance, and personalized payment options so you can decide how to move forward.
ACH means payments from your bank account. Credit-card payments carry a 3% charge. Your exact initial payment, monthly amount, and payment schedule are personalized.
Explore an initial payment and monthly plan with our team, based on your recommended treatment.
Directly with Beach Braces
Arrange your payments with our practice.
No eligibility requirements
Discuss in-house financing at your consultation.
Braces + Invisalign®
Monthly options for your recommended care.
Your payment options
How does in-house financing work?
In-house financing lets you spread your treatment balance across monthly payments arranged directly with Beach Braces. You can also choose to pay in full. If you prefer monthly payments, our team presents personalized financial options with a slider that helps you choose your initial payment and monthly amount.
- Start with a down payment as low as $250.
- Your initial payment is part of your personalized financial arrangement. We will help you review how the amount you pay up front affects the remaining balance and monthly payments.
- Spread payments over your treatment.
- Payments are generally spread over the length of treatment. In some cases, they can extend beyond treatment. We will review the available schedule for your plan, including the number of payments and due dates.
- No eligibility requirements.
- Beach Braces has no eligibility requirements for its in-house payment plans. The treatment fee and payment details are reviewed with you individually.
- Choose braces or Invisalign® based on your needs.
- In-house financing is available for both braces and Invisalign®. Dr. Panucci will recommend appropriate treatment before you compare the financial options.
Payments by credit card
3% credit-card chargeA 3% charge applies to credit-card payments. Consider the payment method when reviewing your total out-of-pocket cost.
Your monthly amount depends on your treatment fee, initial payment, applicable insurance benefits, and agreed payment period. An exact monthly quote requires your personalized treatment and financial discussion.
Insurance coordination
Bring your benefits into the conversation.
Please provide your insurance information before your consultation so our team has time to verify it. When we receive that information in advance, we can present estimated benefits at your consultation alongside your financial options.
Ask us to explain how estimated benefits affect your remaining treatment balance and payment plan, how claims will be handled, and your responsibility if the insurer pays a different amount. Estimated benefits are not a guarantee of payment.
You can discuss in-house payment options with us whether or not you have orthodontic insurance.
Know what your fee covers
More clarity. From the first payment to your retainers.
Your treatment fee includes the care listed below. We will review your individual treatment and financial options so you understand both the included services and optional purchases.
Regular and non-regular office appointments
All regular and non-regular appointments in our office during treatment are included.
Imaging and photographs during treatment
Your fee includes all imaging and photos taken during treatment.
One Invisalign® refinement
One refinement is included with Invisalign treatment.
One set of retainers
One set of retainers is provided at the end of treatment.
Your complimentary consultation
See your options. Choose your next step.
Your consultation is a chance to understand your recommended care, your treatment fee, and how payments can fit into your plans. Bring your budget questions, and send your insurance information ahead of time if you would like benefits verified for the visit.
-
Understand your treatment.
Discuss your smile goals with Dr. Panucci and learn about your recommended treatment, anticipated treatment length, and personalized fee.
-
Review benefits and payment choices.
We present detailed financial options, including estimated insurance benefits when your information was provided in advance for verification. You can review paying in full or arranging monthly payments.
-
Explore your personalized payment slider.
If paying in full is not your preference, the slider lets you explore initial-payment and monthly-payment choices within the financial options presented to you.
-
Take your options home.
If you choose not to start on the day of your consultation, we will email your financial options and slider so you can review them at home. When you are ready, you can accept treatment from home.
A guide for South Bay families
Compare the whole plan, not just the monthly payment.
Whether you live in Manhattan Beach, Hermosa Beach, Redondo Beach, or another South Bay community, use the same questions when comparing orthodontic estimates. A lower monthly payment does not automatically mean a lower total cost.
| What to compare | What to review before choosing |
|---|---|
| Recommended care | Compare the treatment being recommended, who will oversee it, and what the total fee includes. Different treatment needs can lead to different fees. |
| Payment approach | Decide whether to pay in full or spread payments out. Beach Braces arranges in-house monthly payments directly with the practice. |
| Initial and monthly amounts | Review the down payment, monthly amount, and total out-of-pocket cost together. Confirm how changing your initial payment affects the balance. |
| Payment period | Compare the number of payments, due dates, and whether the schedule extends beyond active treatment. |
| Interest and charges | Check the payment method and any charges. At Beach Braces, ACH payments are interest-free; credit-card payments carry a 3% charge. |
| Insurance assumptions | Check which benefits are estimates, when they are expected to be paid, and how a change in benefits would affect your responsibility. |
| Included and optional care | Compare visits, imaging, refinements, retainers, and follow-up care. Identify optional purchases and ask about anything outside the quoted services. |
| Written terms and practical fit | Review your financial options and agreement, including changes or cancellation terms. Consider appointment travel and scheduling as well as the payment plan. |
Keep a copy of your financial options and ask questions about any terms you want clarified before accepting treatment.
Financing FAQs
Clear answers before you begin.
Have a question about your own treatment or payment options? Our team can help you understand the details.
Does Beach Braces offer in-house financing?
Yes. Beach Braces offers monthly payment plans directly through our practice for braces and Invisalign®. There are no eligibility requirements for in-house financing. Your payment amounts and schedule are reviewed individually.
Are monthly payments interest-free?
Payments made by ACH from your bank account are interest-free. A 3% charge applies to credit-card payments. Our team will help you review your payment method as part of your financial discussion.
How much is the down payment?
Down payments can be as low as $250. Your exact initial payment and monthly payments are part of your personalized financial options and can be explored with the slider presented by our team.
Can payments continue after treatment ends?
Payments are generally spread over the length of treatment and, in some cases, can extend beyond it. Ask our team which payment period is available for your plan.
Can I see my exact monthly payment online?
Your exact monthly payment depends on your personalized treatment fee, initial payment, applicable insurance benefits, and agreed payment period. We present your financial options at the consultation. If you do not start that day, we email your options and slider for you to review at home.
Do I need orthodontic insurance?
No. You can discuss in-house payment options whether or not you have orthodontic insurance. If you do have coverage, please send your insurance information before your consultation so we can verify benefits and provide an estimate at your visit.
Are refinements and retainers included?
Your fee includes one Invisalign® refinement for Invisalign treatment and one set of retainers at the end of treatment. Extra retainers, teeth whitening, and retainer checks may be purchased separately.
Is this financing through an outside lender?
No. In-house payments are arranged directly with Beach Braces. We do not currently offer third-party financing.
Do I have to decide at my consultation?
No. A courtesy is offered for starting treatment on the day of your consultation, and our team can explain its details. If you choose to wait, we will email your financial options and slider. You can review them at home and accept treatment from home when you are ready.
Will Invisalign® cost more than braces?
There is no single answer for every patient. Your fee depends on the recommended treatment and your individual needs. Dr. Panucci and our team can review appropriate treatment choices and their financial options with you.
Let's put a smile plan and a payment plan together.
Visit Beach Braces in Manhattan Beach for your complimentary consultation. Meet with our team, understand your recommended care, and explore in-house financing for braces or Invisalign®.
220 N. Aviation Blvd., Suite A, Manhattan Beach, CA 90266
