Payment Options

Absolutely! Our consultations are free. Further, we want to make orthodontic treatment obtainable for all our patients.

You may be surprised how affordable orthodontic treatment can be. Most patients choose to make installment payments over the duration of their treatment, which in most cases is 18 to 24 months, at 0% interest.

At your consultation, we will discuss your preliminary treatment plan, and in most cases, provide a quote for treatment. If after that appointment you have financial questions, call to speak to financial coordinator. She can help you come up with a plan that fits your needs.

In our experience, for specialty dentistry such as orthodontics, there is typically no difference between in and out-of-network insurance contributions. However, there are exceptions. We would be happy to check into your insurance benefits for you.

Unfortunately, if you have a DMO (Dental Management Organization) plan, we unfortunately cannot collect any insurance benefits for you. You would have to go to ONLY their provider for services. If you seek services outside of the network, it will be completely out-of-pocket to you.

When you are covered by two dental plans, this is called “dual coverage”. If you are the patient, your insurance is primary and your spouse’s is secondary.

In the case of dependent children, insurance companies go by the birth date rule, that being, the person whose birthday and birth month are first in the calendar year (regardless of year), is primary. The other parent is secondary. There are exceptions, such as in the case of court-orders as related to divorced parents, step-parents, and dependent children.

Possibly. We would have to look into both plans to find out; there are many variables such as the plan’s lifetime maximums, the percentage coverage, the age limits of the plans, and MOST importantly if there is STANDARD COORDINATION OF BENEFITS.

Please note our estimations regarding your insurance are NOT A GUARANTEE OF PAYMENT. The insurance company has ultimate control over payments; we are merely the liaison between you and the insurance company.

Some insurance plans have this clause written into them. What this means is that the secondary plan will not pay any benefits if the primary plan paid the same or more than the secondary plan would have paid if it was a stand-alone plan.

We suggest contacting your employer or insurance broker. However, keep in mind you have to keep the insurance plan active for the entire duration of treatment in order to receive the full lifetime maximum. Also, some, not all, insurance plans may have a 1-2 year waiting period for orthodontia before the benefit is available to use. Will the 2-4 years of an insurance premium cost you more than you will get back in benefits? If so, it won’t be worth getting orthodontic insurance.

Call your insurance carrier to verify your benefits, there could be errors in the information that the Customer Service Representatives provided to us over the phone.

You can check with your Human Resources representative, at work, there may be different levels of dental insurance you may choose from.

Orthodontic insurance is most commonly written as a lifetime maximum benefit. That being said, it doesn’t matter in which portion of the year, or years you use it. Less commonly, orthodontic insurance is written with an annual maximum.

Plans that are written that way typically have a 24 month or 2 year maximum, meaning the orthodontic benefit will likely not exceed, for example $2,000 if the annual maximum is $1,000.

This is a choice you or your employer has made. Not all dental insurance plans provide orthodontic coverage. Check with your employer or insurance broker to see if you can change to a plan that offers orthodontic coverage.

However, be careful! you don’t want to pay more, keeping a plan that has an orthodontic benefit active for two years, if you aren’t going to get back at least that much in lifetime orthodontic benefits.

You should contact your Human Resources Department.

Insurance plans may have age limitations. It is likely that you are not covered because you aren’t within the age restrictions of your insurance plan. These age restrictions apply to several different categories as well.

Some plans cover the subscriber only, others the subscriber and spouse. Most plans cover the subscriber, spouse and dependent, but again, there are age limits attached to each grouping. We will be happy to check your benefits for you.

These fees are separate as a benefit to our patients who have insurance. Sometimes, your dental (NOT orthodontic) insurance will cover a portion of your records fees.

Billing the insurance separately for these items allows us to possibly collect more insurance money for you, thus reducing your out-of-pocket expenses.