Financial

Boy_Braces_1.jpgIt is our mission to provide you with affordable, high-quality treatment that fits your budget! We offer a variety of payment options to meet your needs. We offer interest-free financing options through our office and other payment options. We will take the time to thoroughly explain all of the options to you so that you can make an informed decision.

Insurance

As a courtesy to our customers, we provide insurance claim filing at no cost. We make sure that our patients receive the maximum amount of benefit that their insurance company can offer. Many insurance policies have a pre-determined lifetime orthodontic benefit maximum that is separate from a dental benefit maximum. We review your insurance policy carefully and file your claim promptly. Please make sure to complete all insurance related questions from the new patient questionnaire so that we can accurately assess your benefits.

Please remember that orthodontic insurance is a benefit for you or your child. If, during the course of treatment, your benefits change, the financially responsible party is accountable for all charges.

Our office is committed to helping you get the most out of your insurance benefits. As a courtesy to our patients, we will bill your insurance company for services rendered in our office. If you have any questions, our financial coordinator will be happy to assist you.

Frequently Asked Questions – Insurance & Payments 

I didn't choose the auto-pay option – can I make payments when I come in?

Yes you can! But just keep in mind that payments are scheduled as monthly installments and are due on the 1st and considered late after the 20th.  If your appointments are set for every six weeks your payment due date and appointments will not always coincide.

How do the insurance benefits get paid?

Orthodontic insurance is different than any other type of insurance as it is not billed on a visit-by-visit basis. Orthodontic treatment fees are calculated based on the type of treatment and length of treatment. A claim for the total treatment fee, along with diagnostic information, is sent to the primary insurance. The primary insurance company will make periodic payments over the length of treatment.

I have two insurances – how does that work?

Dual insurance is a matter of sending a claim to the secondary once the primary has paid. The secondary will want to confirm receipt of the primary payments before it will release payment of benefits.

How do I determine which is primary and which is secondary?

For an adult patient it is the patient's insurance that is primary and the spouse is secondary. For a dependent the birthday rule determines which biological parent is primary and which is secondary. Step-parents are always secondary. What is the birthday rule? A method of determining which parent's insurance coverage is primary for dependent children: the parent whose birthday falls earliest in the year usually has the primary plan.

What is an EOB?

An EOB is the "Explanation of Benefits" from your insurance company. An EOB is sent with every payment.

How soon will my insurance pay?

Our practice accepts assignment on most insurance plans. What this means is we split out the expected insurance portion from your payment schedule and will file claims on your behalf. Your insurance will make payments over the course of treatment. This means if you have a 24-month treatment plan it will take your insurance up to 24 months to pay. If you have new coverage during treatment, please be aware that not all insurance companies pay for treatment in progress. We will be happy to submit a claim for you but the new payment schedule for the unpaid insurance balance will remain in place and payments from the new insurance will be applied.