Our office is committed to helping you maximize your insurance benefits. Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts.
When you first visit our office, bring your current insurance card with you. If you change insurance companies or join another employer’s plan, please be sure to let us know. If an insurance referral is necessary, please bring the completed form with you to your appointment.
We will fully attempt to help you receive full insurance benefits; however, you are personally responsible for your account, and we encourage you to contact us if your policy has not paid within a reasonable timeframe. If we are not contracted under your insurance, you will be given a copy of services and charges to file with your insurance claim form.
Each orthodontic case is different and fees will vary. Once we know which type of orthodontic treatment is needed, we will be able to tell you what the exact fee is and approximately how much of that fee your insurance company will cover. We can then review the financial arrangements to determine how we can make the fees attainable for you.
Affordable Payment Plans
We understand that affordability is a major part of your decision to go forward with orthodontic treatment. Everyone has different needs when it comes to financing, and we are glad to help you arrange an individual and flexible plan that best suits your budget and needs.
Payment options for your convenience:
- Interest-free in-house financing with automated electronic payments
- Pre-payment courtesy for payment in full
- No money down with third-party financing
- We accept many insurance plans
- We accept all major credit cards and have automated credit card payments available as well
Insurance and Billing
Our staff will help to determine your dental benefit as estimated by your insurance carrier. Please remember that the financial obligation for dental treatment is between you and our office. The insurance company is responsible to you and not us.
Orthodontic Insurance Coverage
Insurance for orthodontic services is provided through a contract between your employer and a dental insurance company. The coverage you receive is based solely on the terms negotiated between these two organizations.
Orthodontic offices are not involved in determining which services are covered, the percentage of the fee that’s covered or whether a specific service is covered at all.
Not all treatment, including some high-quality services, is covered by dental insurance. While our goal is to provide you with the highest possible quality of care, insurance companies often cover only very basic services. These covered services are identified according to the cost of the insurance policy to your employer and the amount your insurance company is willing to pay.
If you have orthodontic insurance, it’s part of your overall dental insurance coverage. However, orthodontic coverage works differently than your general dental coverage or your other types of medical insurance.
Why Won’t My Insurance Plan Pay the Entire Fee?
Many patients are not aware that dental insurance usually places a limit on how much it will pay toward any orthodontic fee. The insurance company only covers a portion of the entire fee up to a lifetime maximum payment. This means that the insurance company will cover only part of the patient’s orthodontic fee and will pay only once in the patient’s lifetime or for as long as you have the policy for orthodontic treatment.
This insurance is one-time maximum coverage and is separate from the annual maximum that you use for your general dental visits. While your general dental policy also has an annual maximum, every year that amount is renewed. Unfortunately, orthodontic coverage is not renewable from year to year.
To make the process easier for you, our orthodontic office will be happy to help by submitting insurance information to your dental insurance company. If you have any questions, we will be happy to answer them and help you through the process.
- LEHB / FOP