About Insurance

How does orthodontic insurance work?

There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit. However, orthodontic insurance generally differs from regular dental insurance in that each insured individual usually has a lifetime maximum benefit for orthodontic services. This benefit is paid as a percentage of the orthodontic fee (diagnostic records, initial fee, monthly payments, etc.) until the benefit maximum has been reached. Charges for lost or broken appliances may not be covered by insurance.

How does this office assist you with insurance?

For your convenience, Mary, our financial coordinator, will submit both predetermination and initial insurance claims pertaining to charges for care rendered in our office. However, please be aware our primary financial relationship is with our patients or their families and not with their respective insurance companies. Final responsibility for collection of benefits from your insurance company rests with the insured party. Our professional services are rendered and charged directly to the patient or their family and they are responsible for payment of all fees incurred.

We recommend that you know what your benefits are before treatment starts. However, Mary will contact your insurance company to determine your benefit. For your convenience, we will accept payments from your insurance company assigned to us by the insured. If your insurance carrier provides a form for verification of continuing treatment, we will be glad to complete the signature portion.