Financial & Insurance

Fees and Payment Policy

Our office is dedicated to caring for you and your family and to help you achieve the highest quality orthodontics possible. It is our mission to provide outstanding affordable orthodontics that can fit any budget. We are proud to offer a variety of financial arrangements to meet the individual needs of our patients.

Our financial arrangements can be setup to extend over a period of months following an appropriate down payment. We offer this with no interest or finance charges. For your convenience, we offer Discover, Visa and MasterCard services as well as ATM services for individual payments or automatic monthly payments. We do not require our parents or patients to have their payments automatically deducted.

If you choose to make full payment at the onset of treatment, we will offer a fee discount. If you have insurance, we will offer a discount for payment of your portion of the fee that will not be covered by insurance.

Please contact our Financial Coordinator if you have any questions.

Insurance

We are happy to work together with you and your insurance company to make sure that you receive the maximum benefit possible under your individual policy. We verify that you have orthodontic benefits; however, it is not a guarantee of payment.

We ask that you assign your insurance benefits to us. At the start of treatment, we generate an insurance claim form that describes the orthodontic problems, the required treatment, the length of treatment time and the financial arrangements. We will submit this form to your insurance carrier for payment. You must provide specific personal and carrier information and your signature is required to allow us to release medical information to your carrier. Please be aware that you, the insured, have far more clout in resolving insurance issues than we do.

Orthodontic insurance differs from dental insurance in that each insured individual usually has a lifetime maximum benefit for orthodontic services. This benefit is paid as a percentage (50 to 80) of the orthodontic fee and is generally paid monthly or quarterly over the treatment period until the maximum has been reached. There are many different agreements between insurance carriers and their subscribers (your employer). Having two policies (primary and secondary) may not double your benefits. Some secondary insurance policies have a clause prohibiting duplication of benefits. Know what your benefits are. Contact your human resources department or your carrier if you have questions.