Specializing in Smiles

Financial and Insurance

Cost

The fee for service is determined by the severity of the case, appliances required, and expected length of treatment. Our fees once quoted are final. The only time we anticipate adding to our fees is for continuous appliance breakage, missed appointments that cause delay of treatment, and extremely poor hygiene. The patient and parents will be notified well in advance before any additional fees would be added.

Payment Plans

We understand that sometimes orthodontic care can seem expensive. To help keep fees down while maintaining the highest level of professional care, we have established this financial policy:

  • For payment in full, we offer a courtesy discount. (If you have insurance, we will offer a discount for payment on your portion of the fee that will not be covered by insurance.)
  • We ask that a down payment be made; then we can divide the remainder over the expected length of treatment to determine your monthly payments.
  • We will work with your pre-tax health plan.
  • We can run your debit or credit card for your monthly payments or ACH your checking account.

Insurance

Insurance information that you may not be aware of:

  • Insurance rarely pays 100% up front; they typically pay 20% at the start of treatment, then payments are extended over the length of treatment.
  • Change in employment or insurance companies may affect the remaining insurance balance.
  • There is often a 12 month waiting period for major coverage. Orthodontics is considered major coverage.
  • Cobra insurance often will continue orthodontic payments, but rarely start orthodontic payments.
  • $1000.00 per lifetime is the insurance average.
  • Insurance payment at 50% does not mean the insurance company will pay 50%. It simply means that they will not pay more than 50%.

Our financial coordinator has received extensive training in how best to maximize your insurance benefits. Please allow her to best assist you by notifying her of any employment or insurance changes.

Convenient Online Services

We know how busy you are. That’s why we’re committed to providing you superior, leading-edge service. With our secure website, you will be able to:

  • View your appointment and account information anytime;
  • Sign up for e-mail or text appointment reminders; and
  • Print out flex spending reimbursement and tax receipts.