At Glass Orthodontics, we believe that everyone deserves a healthy, beautiful smile, and we’re committed to making orthodontic care accessible and affordable for all families. We know that understanding everything about insurance for braces or clear aligners can feel overwhelming, but we’re here to guide you through your options. Whether you’re using insurance, flexible spending accounts (FSAs), or health savings accounts (HSAs), we work hard to make your treatment as stress-free as possible. Let’s break down everything you need to know about orthodontic insurance and payment options.
What Insurance Plans Do We Accept?
We are happy to accept a wide range of insurance plans to help reduce your out-of-pocket costs. Glass Orthodontics works with many leading insurance providers, so it’s likely we can process your claim and help you get the most out of your benefits. Not sure if your plan is covered? No problem! Just reach out to us, and we’ll help you figure it out.
How Does Orthodontic Insurance Work?
Orthodontic insurance typically covers part of the cost for braces or clear aligners, though the exact amount varies depending on your provider and plan. Most plans offer coverage for children under 18, with some also covering a portion of adult treatment. When you provide us with your insurance details, we’ll work with you to determine what’s covered and how much you’ll need to pay out-of-pocket.
Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs)
In addition to insurance, FSAs and HSAs are great ways to make orthodontic care more affordable. These accounts let you set aside pre-tax dollars to pay for medical expenses, including orthodontics.
Just remember to plan ahead! FSAs and HSAs typically require you to use the funds within the calendar year, or you may lose them, depending on your plan.
What to Do Next
If you’re ready to start your orthodontic journey, the first step is to schedule a consultation with Glass Orthodontics. During your visit, we’ll help you understand your insurance options, check your benefits, and discuss how we can make your treatment affordable. Our goal is to help you get the smile you’ve always wanted without the added stress.
Important Facts from Glass Orthodontics:
Do you know that insurance plans pay your provider monthly, quarterly or even annually?
What does this mean for you? If you no longer have the same insurance plan after, for example, 4 months, you would be responsible for the remainder balance the insurance did not pay. This is why staying with the same insurance company is important.
Do you know what “Treatment in progress” means?
This is a term that is built into your insurance plan contract that decides whether they will pay a benefit for treatment that was already started through another insurance company. What does this mean for you? If you change insurance companies while treatment is in progress, some plans WILL NOT pay any of your benefit. Plans that will provide treatment in progress can prorate based on how many months treatment was already rendered by another company. This would mean you would not get the full allowed benefit.
Do you know that your employer chooses the type of benefit you will receive from the insurance company they provide? As well, the employer has the right to change the policy and what it provides every year.
What does this mean for you? Your employer decides based off of costs and need, how much your benefit will provide and the coordinating rules that go with it. If your insurance policy allows $1500 for orthodontic treatment, this is not the insurance choice but your employers. Employers can change the policy every year. This could lead to you owing more money. For example, if you or your family member are in active orthodontic treatment with a benefit of $1500 and they decide to change the policy to $1000, you could be responsible for the remaining $500.
Do you know what ” Non-Duplication” means?
If an insurance plan has a Non-Duplication clause in it and it is your SECONDARY insurance plan, this would mean that the secondary insurance is not liable to pay you any more money that what the primary has already paid. For example: Your primary pays a lifetime maximum of $1500, if your secondary pays $1500 or less, they will not pay any money.
If you have any questions about your insurance or payment options, we’re always here to help! Feel free to contact us today, and we’ll guide you every step of the way.
