Orthodontic Financial Information

The credit card for health, wellness, and personal care.

If your insurance covers orthodontic treatment, you will receive the benefit of reduced personal costs.  Most insurance policies have a lifetime orthodontic benefit that is distinct from regular dental insurance.   Insurance benefits are paid out over the length of the treatment plan and are not paid out all at the beginning of treatment.   Our office is committed to helping you maximize your insurance benefits.

By providing us with your insurance information we will gladly file a claim and, in almost all cases, accept payment directly from your insurance provider.  This will lower your out of pocket expenses by the total amount of your insurance benefit.

Our office will “pre-credit” insurance to our patients at the onset of treatment.  Our goal is never to mislead with the amount of insurance to be expected, however the amount “pre-credited” to be paid by insurance is an estimate and not a guarantee.

It is very common for employers to contract for shorter benefit package times, thus resulting in changes to your insurance plan mid-treatment. Since insurance benefits are paid out over the length of the treatment plan and are not all paid out at the beginning of treatment, there will be a remaining balance due.  When this occurs, our office will submit your new insurance, maintaining the original amount of benefit pre-credited at the start of treatment.  Should a new plan offer more of a benefit, it will be either applied to a balance, or refunded if it results in a credit.  We will maintain the original contractual agreement.  If the new plan has less of a benefit than originally pre-credited, the amount unpaid by insurance becomes due immediately from the responsible party. 

If you obtain orthodontic insurance benefits after the start of treatment, we will submit claims to ascertain the benefit amount to be paid for treatment covered from the effective date of the plan.  There may or may not be a waiting period for orthodontics with new insurances.  Each policy is different on how treatment in progress benefits are calculated.  If benefits are available, we may be able to adjust the amount of each payment or the number of payments needed.

When more than one insurance plan is in effect, and benefits are expected from multiple carriers, our office will estimate and pre-credit the Primary benefit.  Secondary benefits can be affected by multiple factors written into employer’s plans, and it is impossible to know what can be expected.  A claim will be filed with the secondary insurance, if payments are made by the secondary insurance they will be applied towards the amount owed by the responsible party.  If unusual circumstances exist, please discuss them with our Financial Coordinator at the start of treatment. 

If during the course of treatment your benefits change, the financially responsible party is accountable for all charges.  Please notify our Financial Coordinator if you have any changes to the insurance information you provided and we will be happy to file a claim under the new insurance or work with the financially responsible party on payment arrangements.

Rescheduling appointments may delay your treatment, so please make every effort to be at your scheduled appointment and on time!  We know that things happen and there will be times that you may need to reschedule an appointment.  Please give us a call as soon as possible so that we can promptly reschedule your appointment.  By doing so, we can avoid extending your time in braces and get you rescheduled as quickly as possible. 

Having a large number of rescheduled appointments can result in increased treatment time and additional charges.