Our office gladly accepts various types of orthodontic insurance. If you provide us with your insurance information before your complimentary consultation appointment, we will research your coverage and provide an estimate of your orthodontic benefits during your examination.
If you have orthodontic insurance, we are more than happy to assist you in determining your available coverage and handling the insurance filing process on your behalf. While we will do our best to answer your insurance-related questions, it’s important to note that coverage can vary depending on the carrier and individual policy. Therefore, if you have specific inquiries about your coverage, it’s usually best to contact your insurance carrier directly or consult with your employer.
Orthodontic insurance generally differs from regular dental insurance in several ways:
Each insured family member usually has a lifetime maximum benefit for orthodontic services.
Age limitations may apply.
Orthodontic treatment is typically not covered in full but is paid as a percentage of the orthodontic professional fee until the maximum benefit has been reached.
Each insured individual usually has a lifetime maximum benefit for orthodontic treatment, which can range from as little as $500 to over $1,500, depending on the insurance policy type.
Insurance payments are typically distributed over the course of treatment, rather than provided as a lump sum. Therefore, your coverage must remain active throughout the duration of treatment.
Here are some important facts to help you better understand orthodontic insurance coverage and maximize your benefits:
If your plan states that it covers treatment at a certain percentage (e.g., 50%), it usually has a maximum benefit amount. This means your insurance will not necessarily pay 50% of the treatment fee.
Double-check the effective date of your coverage, as some insurance plans may require a waiting period before the coverage becomes active.
Verify if any benefits have already been paid out for previous orthodontic treatment or dental services and inquire whether that amount will be deducted from your current coverage.
Unfortunately, insurance coverage for lost or broken orthodontic appliances is typically limited or nonexistent.
For your convenience, we accept most major credit cards, checks, cash, and CareCredit as payment options.
25500 Rancho Niguel Rd #160,
Laguna Niguel, CA 92677