Having to deal with insurance is something that many people try to avoid. In most cases, the process can be made much more painless with the intervention of an experienced group of professionals, like our team at Innovative Orthodontics. We’re going to go into detail about how orthodontic insurance works here in Savannah so that you’re well-prepared!
Setting Expectations
Not every orthodontic insurance policy is alike—if anything, they vary quite dramatically! This can be influenced by factors like the insurance company or the age of the patient undergoing treatment. Here are a few things to consider from the start of orthodontic treatment:
- Coverage Percentage: In general, insurance will cover a percentage of orthodontic treatment costs, leaving you to pay a portion out of pocket. For example, it might cover 50% of costs after you meet your deductible. It is unlikely that the entirety of treatment will be covered under a single plan.
- Lifetime Maximum: Another important factor to note is that orthodontic coverage only extends to a certain lifetime amount—aka the total amount the plan is willing to pay for treatment. Being aware of this amount before treatment is extremely important.
- Age Limitations: Not every plan will cover children, teens, and adults. Coverage for adults can cost more or be excluded under some plans.
Our Team’s Role
The good news is that you aren’t alone in having to deal with your insurance when you work with us! We’re highly experienced in engaging and communicating with insurance providers—even when it means having tough conversations on your behalf.
- Insurance Verification: Before your treatment even begins, we closely review your insurance policy and provide a clear summary of your coverage in language that’s easy to understand.
- Managing Claims: Our office team tackles all paperwork and submits claims for you, which takes a burden off of your shoulders!
- Coverage Support: We work hard to estimate your benefits accurately. However, remember that insurance policies vary, and coverage is not guaranteed due to contractual complexities. If claims are not paid within 60 days, you’ll be responsible for the remaining balance.
Our Financial Options
Dr. Waters and Dr. Clayton wholeheartedly believe that everyone should be able to access the highest standard of orthodontic care, regardless of their financial situation. For this reason, we offer a few special accommodations that can help make finance much easier to manage:
- Transparent Fee Breakdown: Your custom treatment plan includes a detailed breakdown of all costs, and we take the time to make sure you’re fully informed before initiating any treatment or charging you.
- Flexible Payment Plans: Our in-house, interest-free financing option allows you to spread payments over time to help work with your budget.
- Third-Party Financing: For additional flexibility, our practice partners with CareCredit to offer extended financing options for our patients.
- Upfront Discounts: Patients who pay in full at the start of their treatment will receive a discount at our three offices. Additionally, we provide family discounts for multiple members undergoing treatment at once—which happens more often than you might think!
Special Guidelines
We also want to reiterate three conditions and tips that we have regarding finances at Innovative Orthodontics. Part of providing comprehensive services and maximizing your benefits under our care includes keeping the following in mind:
- Please inform us immediately of any changes to your insurance plan during treatment to avoid unexpected costs. We will work hard to make this transition as smooth as possible for you.
- Your estimated patient portion is due at the time of service. If claims are denied or delayed, the remaining balance becomes your responsibility.
- Our all-star front desk team is always available to answer your insurance-related questions and assist with filing claims accurately and efficiently. Never hesitate to come to us with any concerns you might have along the way.
Why Choose Us?
- Comprehensive Care: Dr. Waters and Dr. Clayton each bring years of experience and a patient-first approach to the table, used to design treatments according to patients’ individual needs.
- Advanced Technology: We use advanced tools and techniques to provide efficient, comfortable care. Our team also offers additional services like teeth whitening to ensure every aspect of your smile is addressed.
- Community Focus: Located in Savannah, Georgia, we’re proud to serve our local community and build fortified relationships with our patients through our three incredible offices.
We feel so fortunate to offer orthodontic services to patients here in Savannah, Rincon, and Pooler. We promise that you’ll be thrilled with your smile once you’ve worked with us, and look forward to meeting you soon!