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 is reached. Charges for lost or broken appliances may not be covered by insurance.
How does this office assist you with insurance?
For your convenience, we will gladly assist you in submitting both predetermination and initial insurance claims pertaining to charges for care rendered in our office. However, please be aware that our primary financial relationship is with our patients or their families, 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 our patients or their families, and they are responsible for payment of all fees incurred.
Our patients should follow these guidelines
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. If desired, we will submit a pre-treatment claim for determination of benefits for you. If you would like our office to submit claim forms prior to treatment, we ask that you provide us with the name, address, and telephone number of your insurance carrier, as well as the appropriate forms. Please complete the insured or employee portion of your form and sign where indicated. We cannot render services on the assumption our charges will be paid by an insurance carrier. For your convenience, we will accept payments from your insurance company, and such payments will be credited to your account. If your company requires verification of continuing treatment, you may send them a copy of your canceled checks or cash receipts. If your insurance carrier provides a form for verification of continuing treatment, we will be glad to complete the signature portion.
We accept Visa and MasterCard.