Did something like this with my braces...Ortho gave me bill up front for entire amount and I sent to insurance and received benefit amount from them. I then had the practice put me on their interest-free payment plan. First two monthly payments of around $1000 each, followed by monthly installments of $200+. I gave them my CC number and they automatically charged my monthly amount to the CC on the 10th. So, my mouth jewelry netted me about as many miles as my wife's rock 13 years ago!!! LOL