Affordable Orthodontic Treatment with Easy Financing
At Becker & Scott Orthodontics, our goal is to make orthodontic treatment affordable for everyone. Dr. Robert Becker and Dr. Craig Scott offer a variety of payment options to meet your needs, including:
Full-payment discount
No-interest financing
Family discounts
Orthodontic Insurance for Affordable Braces and Invisalign
Many patients ask us how orthodontic insurance works. Each insurance plan has different agreements, and benefits vary depending on the contract between the insurance provider and the subscriber.
With most orthodontic insurance plans, each insured family member has a lifetime maximum benefit. This benefit is paid as a percentage of the total treatment cost until the maximum is reached.
How Insurance Benefits Are Calculated
Every insurance policy uses its own formula to determine how much is paid toward the initial appliance fee and ongoing monthly fees.
Insurance companies do not pay the full benefit upfront—instead, payments are spread out over the estimated treatment time.
Most policies cover a percentage of the total cost up to the lifetime maximum.
Some plans may also include a yearly deductible that must be met before coverage begins.
What If You Have Multiple Insurance Policies?
If you have more than one orthodontic insurance plan, the providers will decide which policy is primary.
This is often determined by the birthdate rule, meaning the policyholder whose birthday falls first in the year is considered the primary insurer.
The secondary insurance provider will not process payments until the primary provider has determined what portion of treatment is covered.
Keep in mind that having a secondary insurance policy does not guarantee zero out-of-pocket costs.
Flexible Spending Accounts (FSA) & Health Savings Accounts (HSA)
Flexible Benefit Plans, also known as Flexible Spending Plans, allow you to use pre-tax dollars for eligible healthcare expenses, including orthodontic treatment.
You must declare the amount before the plan year begins.
The plan year may not align with the calendar year, so be sure to confirm with your employer.
Planning ahead allows you to maximize your benefits and budget for orthodontic care.
Insurance Processing & Financial Responsibility
Once we receive your insurance details, our office will bill your provider directly to help you maximize your benefits. However:
If your insurance provider pays less than expected, denies a claim, or stops payments, you will be responsible for any remaining balance.
If they pay more than estimated, any refunds owed will be issued at the completion of treatment.
We’re committed to making your orthodontic journey stress-free at Becker & Scott Orthodontics. If you have any questions about insurance or payment plans, our team is here to help!
