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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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2370 Bruce B Downs Blvd Suite 100
Wesley Chapel, FL 33544

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New Tampa, FL 33647

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South Tampa, FL 33609

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What Our Patients Are Saying

melissa D.
Appt was quick and professional. Thank you for the care and instructions reviewed during our appt.
Juana P.
I highly recommend Farina for installing your braces. They are very kind and considerate on how you’re feeling and if you have any discomfort. I am very happy with my final results since I did get my braces off today!! A rubber band a day keeps the teeth shifting away!
Response from the owner:Juana, we love the clever rhyme but we've loved having you as a patient even more! We're so excited you love your new smile - congratulations!
Charity G.
From start to finish, our new consultation with Dr. Davis was second to none! Our daughter received her new braces on the first visit. The office is not only gorgoes but staff are warm, professional and proficient. Mia sends her thank yous! Special thank you to the nice lady in scheduling for your compassion, I had to change this appointment a couple times and was never made to feel uncomfortable. Again, thank you Dr. Davis and staff, you Rock!
Response from the owner:Thank you, Charity, for this wonderful feedback! We strive to provide a WOW experience for our patients at every visit and we couldn't be happier that you felt that. We're grateful to help with your daughter's treatment and can't wait to see her smile transform.
Diana R.
Absolutely an amazing experience from my kids’ names on the welcome sign to the caring compassionate staff and Dr. Both my kids including my neurodivergent son were completely comfortable and happy to get started.
Response from the owner:We are sp grateful for the awesome feedback, Diana, and your son felt comfortable with our team and his experience here!
Lisa L.
I’m extremely happy at this place, very clean good service , friendly people, good care . listen to you when needed good advice.Don’t miss out if you really want the best of the best for your teeth 🤩
Response from the owner:Thank you so much for the incredible review, Lisa!
Yesica De L.
Our experience with this orthodontist was truly exceptional! The free online consultation was incredibly easy and saved us a lot of time. We scanned and submitted images of my child’s teeth from home, and then had a phone consultation with the doctor to review the treatment plan ,all before even stepping into the office.
I downloaded the Smile Doctors app, which made communication with the team seamless. When we arrived for the in-person appointment, everyone was so kind, professional, and efficient. I was amazed by how smoothly everything went.
Elizabeth was especially patient and accommodating with my child, who was a bit nervous. Dr. Franco was very knowledgeable and took the time to explain everything, and Dr. Farina was warm and welcoming. We were even able to get my child’s top braces placed the same day!
To make the experience even more special, they provided my child with some gifts and congratulated her on getting her braces, it really helped her feel proud and excited about the process.
I highly recommend this team, especially for busy parents. Their at-home scanner and the Smile Doctors app make everything so convenient and modern. Truly a 5-star experience!
Response from the owner:Yesica, we are so grateful for your trust in our team, and this amazing feedback! We will be sure to pass it along to Elizabeth, Dr. Franco and Dr. Farina, and we're so glad you've been WOW'd throughout your treatment process.
Linda M.
I had a great experience at Farina Orthodontics. Dr. Farina and everyone on his staff were always professional and pleasant. Also I’m thrilled with my new smile after using Invisalign! I highly recommend!
Response from the owner:We are thrilled that you love your new smile, Linda! Thank you for your trust in our team and for the fantastic feedback.
Andrea P.
Devin was kind, patient and quick installing my son’s pallet expander. Made him feel calm and special
Response from the owner:We appreciate your feedback and will pass it on to Devyn, Andrea!
Danay P.
Muy buena atención muy profesionales .Mi hija a tenido excelente resultado con su atención y gran trabajo de ortodoncia muy agradecida
Response from the owner:Muchas gracias por confiar en nuestro equipo con la sonrisa de tu hija, Danay. Estamos muy agradecidos de que formes parte de la familia Farina!
Erin J.
I think this picture speaks volumes. We cannot thank Dr. Franco, Dr. Farina and there amazing staff for the wonderful care we’ve received for our daughter the last 18months. We highly recommend them to anyone starting their orthodontic journey.
Response from the owner:We are so grateful for this wonderful feedback, Erin!
Colleen H.
Dr. Farina and staff are 10/10!! Wading through Invisalign and additional dental work the Farina team remained in constant communication with my extended dental team and my results are insane! I cannot say enough good things about Farina Orthodontics. Special love to the team out at Bruce B. Downs - they handled 90% of my care and made everything simple and efficient!
Response from the owner:We couldn't be happier that you love your new smile, Colleen! We will pass on this fantastic feedback to our team and are grateful for your trust in them.
Michelle G.
We transitioned care here when we moved to Tampa and could not have been happier with the service and diligent patient care provided to my son. Highly recommend Dr.Davis and team in Tampa Palms area.
Response from the owner:We're thrilled that your transfer to our team was easy and seamless, Michelle! Thank you for trusting our team with your care.
Therese N.
I recently completed Invisalign treatment and had both a wonderful experience and beautiful outcome due the devoted and helpful staff at Farina Orthodontics in Wesley Chapel. A special thank you to Dr Franco for the kind, caring, attentive, professional, and exceptional skills he exhibits. Also, Kelly made each visit great due to her compassion, proficiency, and insight.
Response from the owner:Therese, your feedback is priceless and greatly appreciated! We will be sure Dr. Franco and Kelly know how much they impacted your experience with us. Thank you so much for trusting our team, and for taking the time to leave a review.
Mac G.
Always enjoy the experience at Farina! Mark and his entire team make you feel like family when you visit.
Response from the owner:We love having you as a patient, Mac, and appreciate your trust in our team! Thanks for the awesome feedback.
Ramona A.
Loved Farina. I used them for my sons Invisalign and the process was like no other. Everything was great from start to finish . It was worth every penny
I will be returning for my younger sons braces in the future
Response from the owner:Thank you for this awesome feedback, Ramona! We've loved having you as part of the Farina family and appreciate your trust in our team for your sons.

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