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Navigating the Financial Aspects of Orthodontic Care: Exploring Payment Options & Insurance Coverage

Home » Navigating the Financial Aspects of Orthodontic Care: Exploring Payment Options & Insurance Coverage

  • Farina Orthodontic Specialists
  • September 24, 2024

Investing in a healthy, beautiful smile is one of the most rewarding decisions you can make — but we understand that the financial aspects of orthodontic care can seem overwhelming at first. At Farina Orthodontics, we believe that everyone deserves access to high-quality orthodontic treatment, which is why we offer a variety of flexible payment options and work closely with insurance providers to make your care as affordable and stress-free as possible.

Understanding the Financial Commitment

Orthodontic care is not just about aesthetics; it’s an investment in your long-term oral health. Straightening your teeth can reduce the risk of gum disease, tooth decay, and other serious dental issues. However, we know that cost can be a concern for many patients. While the price of treatment can vary depending on the complexity of the case and the type of orthodontic appliance used, there are several ways to manage these costs.

Flexible Payment Options

At Farina Orthodontics, we offer flexible payment plans designed to fit a variety of budgets. Whether you’re opting for traditional braces or clear aligners, our goal is to make sure financial considerations never stand in the way of getting the care you need.

1. In-House Financing

Our in-house financing options allow you to spread out the cost of treatment over time, making it easier to manage your budget while receiving top-tier orthodontic care. This option can be customized to suit your financial situation, with payment schedules that work for you. There are no hidden fees or complicated third-party approvals—just a straightforward, manageable way to pay for your treatment.

2. Third-Party Financing

We also partner with trusted third-party financing companies, such as CareCredit, to offer additional financing solutions. These companies provide flexible plans with low or no-interest options, allowing you to pay for treatment in affordable installments over time.

3. Flexible Spending Accounts (FSA) & Health Savings Accounts (HSA)

If you have an FSA or HSA through your employer, these accounts can be used to pay for orthodontic treatment. Both FSAs and HSAs allow you to use pre-tax dollars to cover medical expenses, including braces or clear aligners, which can reduce your overall out-of-pocket costs. Be sure to check with your plan administrator for specific details on how to use these funds for orthodontic care.

Navigating Insurance Coverage

Dental insurance can be a valuable resource when it comes to covering orthodontic treatment, but it’s important to understand what your plan includes. Not all dental insurance policies provide coverage for orthodontic care, and those that do often have specific limitations.

At Farina Orthodontics, our experienced team is here to help you navigate your insurance benefits and maximize your coverage.

1. Orthodontic Insurance Basics

Many insurance plans cover a portion of orthodontic treatment for children, but coverage for adults can vary. Most orthodontic benefits are based on a lifetime maximum, meaning there is a set amount your plan will pay toward treatment over the course of a lifetime. This maximum typically applies to each person on the policy, so if you’re seeking care for multiple family members, the coverage may differ for each individual.

2. What’s Typically Covered?

Orthodontic insurance may cover a percentage of the treatment costs for braces or clear aligners, but it’s important to review your specific policy. Coverage often includes diagnostic exams, x-rays, and the application of orthodontic appliances. Some policies may also cover follow-up appointments and certain types of retainers.

3. How We Help You with Insurance

At Farina Orthodontics, we’re committed to making the insurance process as smooth as possible. Our knowledgeable team will help you review your benefits, verify coverage, and handle the paperwork on your behalf. If you have questions about what your insurance will cover, we’ll walk you through the details and explain any out-of-pocket expenses so there are no surprises along the way.

Maximizing Your Orthodontic Investment

A healthy, straight smile is a valuable asset, and at Farina Orthodontics, we’re here to help you maximize your investment in orthodontic care. Here are a few tips for making the most of your financial resources:

  1. Start Early: If you’re considering treatment for your child, remember that early intervention can often prevent more costly procedures down the road. Orthodontic evaluations should begin around age 7 to catch potential issues before they become more complex.
  2. Plan Ahead: If you know orthodontic treatment is in your future, consider contributing to an FSA or HSA. These accounts allow you to set aside pre-tax dollars for healthcare expenses, which can reduce your taxable income and make orthodontic care more affordable.
  3. Ask About Discounts: We offer special discounts for patients who choose to pay for treatment in full upfront or for families who have multiple members undergoing treatment. Be sure to ask about any promotions or incentives that may apply to you.

Your Smile Is Worth the Investment

At Farina Orthodontics, we’re dedicated to providing exceptional care that fits within your budget. Whether you’re interested in braces, clear aligners, or other orthodontic treatments, we’ll work with you to find a financial solution that meets your needs.

If you’re ready to explore your payment options and learn more about how insurance can help cover your orthodontic care, schedule a consultation with Farina Orthodontics today. We’re here to guide you every step of the way, ensuring that financial concerns never stand in the way of your journey to a healthier, more beautiful smile.

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What Our Patients Are Saying

Jonathan B.
I’ve been going here for my whole life. Great place with great people. Dr Farina is a kind and caring guy. Amazing experience
Response from the owner:Thank you so much for the wonderful feedback, Jonathan - it has been our pleasure!
Delores K.
I am so very Happy with my Invisalign results!! Dr Farina and his team have been absolutely amazing!! They have been there for me every step of the way. Dr Farina and his team are at the top of their game and I highly recommend them to anyone seeking a better smile😃
Response from the owner:We've loved having you as part of the Farina family, Delores, and are so pleased that you love your new smile! Thank you for the fantastic feedback.
Penny H.
Love-love this place! From the front office to the exam room and the final finish with Dr.Davis was a blessing! Dr. Davis and the staff were amazing at all times with my daughter. She rocked her treatment with the Invisalign and finished today. We are so happy and pleased with the outcome! Thank you!
Response from the owner:Thank you for this glowing review, Penny! We appreciate your trust in our team and are so pleased that your daughter loves her new smile!
G D.
We had a great experience with Dr. Franco throughout my son’s orthodontic treatment. Caring and amazing staff, his treatment plan went as explained and his teeth turned out beautifully aligned.
Response from the owner:We couldn't be happier that you love your son's new smile! We will pass the feedback on to Dr. Franco and our team.
Eloá R.
My treatment was amazing and i couldn’t have chosen a better place. They are extreme understanding and seem to truly care about your treatment. Dr Davis was amazing
Response from the owner:We appreciate your wonderful feedback, Eloa!
Reggie D.
Dr Farina’s and his staff are the most competent, capable and caring team assembled. The facility is beautiful and state of the art. Dr Farina has served me and my entire family over a 25 year period. I highly recommend Dr Farina’s!
Response from the owner:Reggie, your feedback is priceless! Thank you for trusting our team with your family's smiles through the years.
Angelica Melecio P.
Farina Orthodontics was excellent throughout my Invisalign and jaw surgery process. They were patient and did excellent work and I couldn’t recommend them more.
Response from the owner:We appreciate the great review, Angelica, and we are honored that you chose us to partner with you on your smile journey. Thank you for trusting us!
Nina F.
I 100% recommend this place. It took me a year and 5 months to see the result of my Invisalign treatment, with the best results ever, my smile looks gorgeous and aligned. Franco and his staff worked with me very closely, listening to all my needs, with great motivation to never give up, (which probably everyone wants), be consistent to get the gold is the key. I love it! Thank you for your excellent and professional work
Response from the owner:We're so glad you've had a fantastic experience with us, Nina! Congratulations on your new smile!
Farah F.
I’ve had a fantastic experience with Dr. Davis and the entire team at Farina Orthodontic Specialists. Everyone is friendly, professional, and truly dedicated to patient care. From my initial consultation to each follow-up visit, the process has been smooth, clearly explained, and personalized to fit my needs. The office is clean, modern, and welcoming, and appointments always run on time. I highly recommend Dr. Davis and the team to anyone looking for quality orthodontic care! -Farahbod (Farah)
Response from the owner:We appreciate your wonderful feedback, and we'll be sure Dr. Davis and our team knows how pleased you were throughout your treatment. Thank you for trusting us with your smile!
Marlene L.
Today was my last appointment wearing braces! Dr. Franco & his staff have been amazing! During my 22 months with braces I’ve never had any problems with them. I’m in love with my new smile, thank youu so much!
Response from the owner:We are thrilled that you've had a WOW experience with us, Marlene! Congratulations on your beautiful new smile.
Jennifer C.
We love Farina Orthodontics! We had Invisalign’s for my first daughter and regular braces for my second, both turned out Amazing!! Dr.Davis and Sabrina are the best!
Response from the owner:We are so pleased that you've had a great experience with both of your girls' treatment, Jennifer! Dr. Davis and Sabrina are wonderful and we will always work to create a treatment plan that works best for each patient.
Tim M.
Dr Farina and staff are amazing to work with!! Patient service and care is top notch. Highly recommend! Our girls now have beautiful smiles thanks to them:)
Response from the owner:We are so happy you and the girls love their smiles, Tim! Thank you for the fantastic feedback.
Jayda G.
It has been a journey, and it took longer then expected. However, we continued to trust the process and are super happy with the results. Farina Orthodontics and their staff have been wonderful at every visit and throughout the process. Highly recommend!!
Response from the owner:We love seeing your new smile, Jayda! Thank you for trusting us with your treatment - congratulations!
Joanna L.
Pedro, Dr. Farina and the whole staff is amazing. Not only did they take their time to make sure my smile came out exactly how I wanted, but they educated me along the way. I am super happy with how everything turned out. I would highly recommend them!
Response from the owner:We appreciate your wonderful feedback so much, Joanne! Thank you for allowing us to partner with you on your smile journey.
Brianna F.
Dr. Franco took great care of me and I was done with my treatment in just a year! I cannot recommend this clinic enough to other family members and friends.
Response from the owner:Fantastic, Brianna! Thank you for the wonderful feedback about Dr. Franco and our team. Your recommendation to friends and family is the biggest compliment you can give. Congratulations on your new smile!

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