We understand orthodontic treatment can be a financial commitment for our patient families and we don't want finances to stand in the way of getting that amazing smile. Therefore, we are pleased to offer flexible financing:
- We offer a bookkeeping courtesy to our patients that prefer to pay their full balance, (less estimated insurance benefits) before or on the day we actually start treatment.
- Personal, interest-free payment plans designed to fit your individual situation.
- For your convenience, we accept all major credit cards and we offer automatic funds transfer from your banking account.
As a courtesy, our office does accept assignment of insurance benefits in most cases and will assist with pretax dollar accounts. We will help you determine the coverage you have available and file for the benefits at the onset of treatment.
Professional care is provided to you, our patient, and not to an insurance company. Thus, the insurance company is responsible to the patient and the patient is responsible to the doctor. We will help in every way we can in filing your claim and handling insurance questions from our office on your behalf.
HELPFUL TIPS TO MAKE YOUR TREATMENT MORE AFFORDABLE
1. FLEXIBLE SPENDING
Flexible spending acccounts allow you to use pre-tax dollars for treatment. Many flexible spending accounts let you put up to $2500/year toward qualified health care expenses which includes orthodontics. With HSA accounts, you may be able to pay for the entire treatment pre-tax. Using these accounts creates a significant tax advantage and can be the most powerful way to save money on your orthodontic treatment. Make sure you pay attention to your company deadlines if you plan to use flex spending dollars. Most companies require you to let them know ahead of time if you plan to use flex dollars and how much you would like to save into an account. Open enrollment typically occurs in November or June, but check with your specific company. Failing to sign up in time could cost you significantly more out-ofpocket dollars to pay for your treatment. Most orthodontists offer free consultations, so be sure to get an orthodontic exam before the deadline to register for your flex account.
If you have orthodontic insurance, congratulations! Approximately 50% of those seeking orthodontic treatment do not have the ability to take advantage of insurance benefits. Make sure to check with your employer as to what type of insurance is available to you. Many have different options for orthodontic coverage. Some insurances also now require a one-year waiting period, so you may have to sign up now for benefits next year. If you or a family member may be interested in orthodontics in the future, check with your insurance provider to make sure you get the most benefit from your insurance. Also, a common misconception is that you can only see an in-network orthodontist. FALSE! For almost all orthodontic insurances, you will still get the same insurance benefit regardless of if you see an in-network doctor or not. When you visit an orthodontist, they should provide you with a complimentary insurance benefits check.