Orthodontic treatment can be for everyone. It is an excellent, affordable investment for children, adolescents and adults alike. Our office is dedicated to making orthodontics available to all those interested and in need of treatment. Although fees vary according to the complexity and time involved with each case, a personalized payment plan can be arranged. We offer several payment options to fit your budget and we are happy to discuss them with you. We accept many major credit cards, including Mastercard, Visa and, as well as autodraft payments from your checking or savings account. Additionally, we offer 100% financing through a third party (OFP-Orthodontic Fee Plan).

We will work with you and your insurance company to receive the maximum benefit possible under your policy. We accept assignment of insurance checks from most insurance companies, and will help file all of your insurance claims. Please understand, however, that our primary financial relationship is with our patients and their families, not the insurance company. Understanding orthodontic insurance can be difficult. We encourage you to learn as much as you can about your policy to simplify the processing of your claims.

To help you understand, we have included the answers to these frequently asked questions:

HOW DOES ORTHODONTIC INSURANCE WORK?
Orthodontic insurance differs from regular dental insurance in that it rarely pays for treatment in full. Every individual has a maximum lifetime orthodontic benefit. This benefit is paid out over the course of the treatment. For example, if treatment lasts for 12 months, the payments from the insurance company will be paid out over 12 months until the maximum has been reached. There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit.

HOW WILL OUR OFFICE ASSIST YOU WITH YOUR INSURANCE?
We will generate insurance claim forms that will describe the orthodontic problem, the length of treatment and the financial arrangements. For your first visit, please take time to complete the patient information form, which is available on this web site or in the packet sent to you.

By completing this form prior to your arrival, we can begin your first visit without delay. Also be aware of your insurance coverage, if you have coverage. If you do have orthodontic coverage, please bring the needed paperwork so that we may assist you in getting your orthodontic benefits. Please contact your insurance company and ask the following questions:

Do I have orthodontic coverage?
What are my benefits?
Is a pre-treatment estimate required?
Does the insurance company pay automatically?

We will then submit these forms to your insurance carrier for reimbursement to you for payments made for treatment.

HOW CAN YOU MAXIMIZE YOUR BENEFITS?
Know your benefits before treatment begins! If you are not sure, contact your insurance company so that you know your total benefit amount, how much you can expect to pay, and when to expect payment.

A Few Words About Flexible Spending Accounts (Medical Savings Accounts or Health Savings Accounts)
Flex plans are designed to allow families to set aside pre-tax dollars to pay for out of pocket medical and dental expenses. Flexible spending accounts can be very beneficial and should be used whenever possible, they are however, strictly regulated. The facts are:

• These programs are regulated by the government and there are general guidelines that must be followed.
• Payments made on account must be for services being rendered and should not be a pre-payment for future charges.
• Funds are to be used for "out of pocket" expenses. If you have insurance coverage for treatment you must allow for what portion of the fee your insurance will cover.
• Documentation to receive reimbursement from your benefits administrator may be in the form of a receipt for payment or may require a statement of charges. Please check with your administrator.