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 of broken appliances may not be covered by insurance.
We do not accept assignment of benefits. Our professional services are rendered and charged directly to the patient or their family and they are responsible for payment of all fees incurred.
How does our office assist you with insurance?
For your convenience we will gladly assist you in submitted 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.
Tips about Insurance
Know what your benefits are before treatment starts. If you are not sure, contact your insurance company so you know exactly how much you can expect to be paid and when to expect payment; as a service to you, we can help you contact your insurance company as well to determine any orthodontic coverage. There aren’t any need for forms as our computer can generate them for you. If your insurance carrier provides a form for verification of continuing treatment, we will be glad to complete the signature portion. If desired, we will submit a pre-treatment claim for determination of benefits for you.