If you prefer to pay for treatment over time, a personal payment plan can be arranged through our office by our treatment coordinator. As a courtesy, these monthly financial arrangements are offered without interest. Alternate pay options are also available and will be discussed at your initial appointment. Our team is committed to assist you with your insurance coverage. We will help you determine the insurance coverage you have available. We will also file your claims. Please bring your insurance identification numbers (Social Security, Plan ID or Group Number) to your first appointment as well as the name, address, and phone number of your insurance.
The cost of treatment depends on the severity of the patient's problem. You will be able to discuss fees and payment options before treatment begins. We have payment plans to suit different budgets. We also accept assignment from most insurance plans, and file the necessary papers to the insurance company. We work hard to make orthodontics affordable.
In an effort to keep orthodontic fees down while maintaining the highest level of professional care, we have established this financial policy:
If full payment is made at the onset of treatment, we will offer a fee discount. (If you have insurance, we will offer a discount for payment of your portion of the fee that will not be covered by insurance.)
We are happy to work with you and your insurance company to receive the maximum benefit possible under your policy, however the ultimate financial responsibility lies on the patient and his/her family. We have found that the more you know about your individual policy, the easier it is to process your claim. To assist us both in this endeavor, we have established the following answers to the most commonly asked questions.
To fit your individual needs, financial arrangements can be made to extend your payments over a period of months.
In cases of serious delinquency, treatment will be discontinued, although we will make every effort to accommodate patients with temporary difficulties.
Please keep in mind that our primary financial relationship is with our patients and their families. We realize that understanding your orthodontic insurance can be difficult and we welcome any questions you have. There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit. For example: some programs pay monthly, others quarterly. Some programs cover adults and others cover only children. There may be other qualifications such as being with the program a year or longer before any benefits are available. Orthodontic insurance generally differs from regular medical insurance in that it rarely pays for orthodontic treatment in full. Each insured individual usually has a lifetime maximum benefit for orthodontic services. This benefit is generally spread out over the length of the orthodontic treatment. Please be aware that termination of any insurance policy before payment is received will also stop the insurance payments. Charges for lost or broken appliances are also not covered by insurance. We will submit an insurance form that describes the orthodontic problems, the required treatment, the length of treatment time, and the financial arrangements. They will then send information to the office stating the benefit amount and method of payment. We will follow up with the insurance payments once treatment is started.
Call your insurance company to learn as much as possible about your program. Ask how often it pays, lifetime maximum age limitation (when applicable), whether payment will start immediately when treatment is started, or whether there is a waiting period. Get the name of the person you speak with. We will do the same for you prior to your exam. Chances are that if the information agrees, we can depend on it! Please be aware that if your policy changes during the time in treatment, benefits will also change and any money not received in the overall transition will be added to your balance, continuing your payments at the end of treatment. We pledge to help you achieve your full insurance benefit to the best of our ability.