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 (initial fee, monthly payments, etc.) until the benefit maximum has been reached. Also notable is that orthodontic benefits are paid in small installments throughout the course of treatment rather than in one lump sum. If your insurance changes during orthodontic treatment, we may not receive your full benefit. Please advise us if your insurance is going to change or terminate as soon as possible. We are happy to promptly resubmit to new carriers if you inform us. Remember too that fees incurred for lost or broken appliances and retainers will not be covered by insurance.
For your convenience, we are flexible on our payment plans and do accept payment from insurance companies. As a courtesy, we will gladly submit claims on your behalf. When our Treatment coordinator goes over Dr. Boschken’s fees, she will give you the total amount due for that particular patient’s treatment plan. Financial arrangements can be made based on your estimated insurance benefit estimate. This allows our patients to budget for a monthly fee. Payments are also accepted on Visa, MasterCard and Discover (and payments can be made on-line too!). A down payment of 30 percent is due at the time of service when braces are applied to the patient’s teeth. Seriously delinquent accounts (90 days past due) will lead to delayed treatment progress or the removal of orthodontic appliances.
§ Know what your benefits are before treatment starts. Our treatment coordinator will gladly verify estimated coverage over the phone on your behalf. If you’re ever unsure, please contact your insurance company.
§ Our Insurance Coordinator will be glad to file claims on your behalf. We simply need your carrier information (including the phone number) , the employer information and the insured social security or i.d. number before treatment has begun.
§ We cannot render services on the assumption that our charges will be paid by an insurance carrier. Simply stated, you must be making regular monthly payments to be credited to your account in addition to monies expected from the insurance company.
Orthodontic care requires a specific-term financial commitment, and we do offer no-interest monthly payment options, credit card acceptance and paid-in-full discounts. Please speak to our financial or treatment coordinators ahead of time if you anticipate problems making payments.
A monthly payment is due regardless of your appointment dates. While you may have an appointment with Dr. Boschken every five to six weeks, your monthly payment is still due.(Please note that each payment does not reflect one particular visit. Rather, your overall treatment fee is divided into monthly payments to make braces more affordable. For example, you may have 24 monthly payments in your contract, but Dr. Boschken may have seen you 20 times or 40 times throughout your treatment.)
We also do offer third party financing, some plans are interest free!
Please do not hesitate to contact us with any questions you may have. We appreciate all of our patients, and we want to do our best to serve you.