Financial Information

It is our mission to provide you with affordable, high-quality treatment that fits your budget! Being sensitive to the fact that different people have different needs in fulfilling their financial obligations, we offer the following payment options:

  • Option 1 - No Down Payment: Payments are spread over 18-60 months. Financing is through LendingClub Patient Solutions or CareCredit. For some individuals, there can be tax advantages.
  • Option 2 - Down Payment: There is an initial down payment and the balance is spread out over the length of treatment. Payment may be made by personal check, credit card, or electronic funds transfer from your checking or savings account. There is no finance charge with this plan.
  • Option 3 - Extended Payment: There is an initial down payment and the balance is extended over 24-60 months. Financing is provided by LendingClub Patient Solutions or CareCredit.
  • Option 4 - Payment in Full: If the entire treatment fee is paid in full at the separator appointment, a 5% bookkeeping discount applies.

How does orthodontic insurance work?

Orthodontic insurance differs from regular dental insurance in that it rarely pays for treatment in full. There is usually a lifetime maximum amount that each covered individual is entitled to. How the benefit is paid and the amount that will be paid varies from one insurance plan to the next. Payments are usually made on a percentage basis over the length of treatment unless the maximum is reached sooner. Remember, this is a benefit provided by your employer. If your employment changes or your employer changes insurance carriers, then your benefits will also change. Understanding orthodontic insurance can be difficult. We encourage you to learn as much as you can about your policy.

How will our office assist you with your insurance?

We will work with you and your insurance company to receive the maximum benefit possible under your policy. We accept assignment of insurance checks from most insurance companies and will help file all of your insurance claims. We will offer several payment options for the balance that is not covered by your insurance. Our primary financial relationship is with our patients and their families, not the insurance company. Please understand that submission of claims and acceptance of payments from the insurance companies is provided strictly as a courtesy. Any amount not paid by the insurance company becomes your responsibility.

How can you maximize your benefits?

Know your benefits before treatment begins! If you are not sure, contact your insurance company so that you know your total benefit amount, how much you can expect to pay and when to expect payment.

A Few Words about Flexible Spending Accounts, AKA Medical Spending Accounts:

Flex plans are designed to allow families to set aside pre-tax dollars to pay for out-of-pocket medical and dental expenses. Flexible spending accounts can be very beneficial and should be used whenever possible. They are, however, strictly regulated. The facts are:

  • These programs are regulated by the government and there are general guidelines that must be followed.
  • Payments made on account must be for services being rendered and should not be a pre-payment for future charges.
  • Funds are to be used for “out of pocket” expenses. If you have insurance coverage for treatment, you must allow for what portion of the fee your insurance will cover.
  • Documentation to receive reimbursement from your benefits administrator may be in the form of a receipt for payment or may require a statement of charges. Please check with your administrator.

We will work with you by tailoring your payment option to maximize the benefits provided under your plan.

Do you need to set aside funds for orthodontic treatment?

Appointments scheduled for pre-treatment observation are excellent opportunities to plan ahead for the coming year. If you are eligible for a Flexible Spending Account, please make sure that you make any appointments well in advance of the enrollment deadline. We will do our best to estimate anticipated expenses for the coming year.

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