Making Family Orthodontics Affordable
Orthodontic treatment is a serious time and financial investment--especially when considering your entire family. As a result, family orthodontic centers want to make this as easy and affordable as possible for you.
Personal Checks & Cash
Many orthodontic centers offer a cash discount if you decide to pay with cash. The cash discount varies based on each orthodontic center, but discounts can be as much as 7% if paid in-full. Also, most orthodontic centers also accept personal checks and provide a discount with this form of payment as well. This is also a generous discount, but it usually slightly less than the cash discount that may be offered.
The total cost of treatment that is covered by your insurance company varies. In order to plan ahead, ask your orthodontic office to provide you with a list of insurance and financial companies they work with, to make necessary arrangements. You may be able to save additional money on your treatment if your insurance carrier is in-network, even if your orthodontic center accepts that particular insurance. Itís also important to keep in mind that maximums and co-pays vary significantly between different insurance carriers. Also, your family orthodontic center may offer assignment of benefits as a courtesy to patients--they will call your insurance company to verify eligibility and benefits prior to your appointment, file your insurance reimbursements and necessary paperwork directly with your insurance company, and make communication between your orthodontic office and insurance carrier seamless.
A third-party financing plan may be available through your orthodontic center. If so, it is customary to offer 0% interest and no down-payment is required. It is not uncommon for a down-payment to be required. Sometimes, a minimum initial payment of 10% of the total treatment fee is necessary. Depending on the type and length of treatment, payments are extended over a period of time ranging from 6-24 months.
Monthly payment optionsMost orthodontic centers accept all major credit cards. If you are unsure whether your family orthodontic center accepts certain types of credit cards, itís best to call and ask. Certain offices accept a discount ranging from 3-7% when payment is made with credit cards in-full. This is a good payment option to consider as orthodontic treatment can be very costly, and saving money is a great incentive.
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