How does orthodontic insurance work?
There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit. However, orthodontics 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 fees (diagnostic records, initial fee, monthly payments, etc.) until the benefit maximum has been reached.
How will our office assist you with insurance?
For your convenience, we will gladly assist you in submitting 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 and not with their respective insurance companies. Financial arrangements can be made based on your estimated insurance benefit. However, any outstanding insurance claims not paid are the responsibility of the patient or the patient’s family.
Know what your benefits are before treatment starts. If you are not sure, contact your insurance company so that you know exactly how much you can expect to be paid and when to expect payment.
If you would like our office to submit claim forms, we ask that you provide us with the name, address and telephone number of your insurance carrier as well as the appropriate forms. Please ask for our insurance information form and return it to our front office staff.
We cannot render services on the assumption that our charges will be paid by an insurance carrier. However, for your convenience, we will accept payments from your insurance company assigned to us by the insured. Such payments will be credited accordingly to your account.
If your company requires verification of continuing treatment, we will send continuing treatment forms from our office on a quarterly basis. If your insurance carrier provides a form for verification of continuing treatment, we will be glad to complete the signature portion and return it to them.