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Kim E. Larson DDS · Dr. Laurence Schimmel DDS · Jennifer Schaefer MBA, CLU, CHFC, RHU, REBC, SHRM-SCP · Dr. Angela Leung DDS
Prioritize Care Within Patient Budgets
When a patient hesitates over the cost of a recommended treatment, I find it helps to understand their concern before trying to explain why the treatment matters. For example, someone who needs a crown or dental implant may be worried about the upfront expense, the time involved, or whether the result will last. I explain what the treatment is intended to address, what could happen if it is delayed, and whether there are reasonable alternatives. The goal is to help the patient make an informed decision, not make them feel pressured to say yes.
One explanation that helps is, "Let's look at what needs attention now, what can safely wait, and what options fit your budget." This gives patients room to discuss their priorities while keeping the conversation focused on their oral health. Breaking a larger restorative plan into stages, when clinically appropriate, can also make treatment feel more manageable. The American Dental Association (ADA) offers guidance on discussing treatment options and supporting informed patient decisions.
Explain Orthodontic Value and Financing

Dr. Laurence Schimmel DDSOwner & Orthodontist, Schimmel Orthodontic Associates
When a patient is worried about the cost of orthodontic treatment, I don't start by trying to convince them to move forward. I start by listening. Sometimes the concern is the total cost, sometimes it's the monthly payment, and sometimes they're simply unsure whether treatment is necessary.
I explain what we're seeing, why I'm recommending treatment, and what could happen if they decide to wait. I also distinguish between concerns that should be addressed sooner and those we can safely monitor. Patients deserve to understand their options without feeling pressured.
One explanation I've found helpful is that orthodontic treatment isn't just about straightening teeth. Depending on the patient's needs, it can also improve their bite, make certain areas easier to clean, and address problems that may become more difficult to correct later.
Once patients understand the clinical reasons, we can discuss the financial side. We offer transparent payment options and access to third-party financing to help families find an approach that fits their budget.
After more than 30 years in orthodontics, I've learned that patients are more comfortable moving forward when they understand both the treatment and the cost. My job isn't to sell someone braces or Invisalign. It's to give them the information they need to make a decision they feel good about.
Stage Treatment and Use HRA Benefits
When a patient hesitates over cost I present the recommended plan in clear, prioritized steps and ask which concerns matter most to them. I explain what each step accomplishes and which elements can be staged or deferred so they can make an informed choice. Where employer benefits apply, I describe how a structured HRA can fund a portion of claims to reduce unpredictable out-of-pocket exposure. I pair that explanation with plain-language education about timing, alternatives, and next steps so the patient feels supported and can follow through.
Ask What Builds Patient Comfort

Dr. Angela Leung DDSDental Implantologist, Endodontist, Periodontist, Oral Surgeon, Cosmetic Dentist, Fellow of the ICOI, Diplomate of the ICOI, Associate Fellow of the AAID, Angela Leung DDS PC
Good Day,
In a situation where a patient worries about costs, I listen to their concerns first before concluding that they are unwilling. I clarify why I think a certain treatment is needed, the problem it aims to solve, and what possible complications may arise if it is not done in a timely manner.
I also inform the patient about which aspects of the treatment plan need to be performed immediately while others can wait, and whether there are good alternatives. This way, the patient can understand the different treatment options without being forced to take an action they do not feel comfortable taking at the moment.
The question I ask is: "What would make you more comfortable proceeding?" This question provides valuable feedback about the actual issue that needs to be addressed; it may be about cost, ambiguity, or timing. My intention is to develop trust through transparency and provide patients with a pragmatic solution to their treatment.