Insurance and Orthodontics
Dental Insurance is different from medical insurance. Many patients aren’t familiar with the specifics of their dental insurance benefits. Your dental and orthodontic benefits are based on the agreement negotiated between your employer and your insurance carrier. Please review the insurance benefit booklet provided by your employer to better understand the benefits they make available as part of your insurance coverage.
Not all insurance plans cover orthodontic treatment, but many do. The patient payment portion covered for orthodontic treatment varies depending on the coverage provided by your employer as well as the specifics of your orthodontic treatment needs.
Please bring your insurance card to your first appointment or consultation so that we can assist you in determining whether your insurance plan will help cover the costs of your treatment.
An estimate of the amount covered by your insurance company will be provided at the time of your treatment and will be based on the information that they provide to us. The estimate is never a guarantee of benefits or the amount that will be paid. We will file all insurance claims as a courtesy to our patients. However, this does not transfer the responsibility of your financial obligation to the insurance company. If the amount paid by the insurance company is less than or greater than the estimate, then you will be billed the difference or issued a credit on the account in the event of an overpayment.
Health Savings Accounts
Some companies offer health savings accounts for their employees. These accounts are also available to individuals and their dependents. The plans allow for pre-tax deposits to be made to the individual’s account. The money in the account can then be used for necessary medical expenses. This means that in some cases, orthodontics can be paid for with your health savings account funds.
Please ask us about financing options, and let us know if you have questions about our financial policies prior to your treatment.
We offer 0% interest in installment payments as well as an extra 10% off incentive upon paying off the entire balance within the first three months.