Orthodontic Insurance
Does your dental insurance cover orthodontics?
Did you know many dental insurance policies cover orthodontics?
At Lucas Orthodontic Group, we don’t want anything to stop you from getting your dream smile – costs included. That’s why our team is here to help you maximize your orthodontic insurance. Whether your dental insurance provider is in-network or not, we file all insurances because we want you to get the most out of your benefits. We are in-network with the following insurance providers:
In addition, we accept TennCare in three of our locations: Columbia, Nolensville, and Gallatin. We do not participate in HMO plans.
Find Out If You Have Orthodontic Insurance
If you have dental insurance, chances are that policy might cover orthodontic treatment. To find out if you have orthodontic coverage, contact your dental insurance provider today and ask the following important questions:
- Does my policy cover orthodontic treatment?
- Is there a waiting period?
- Is there an age limit?
- Is orthodontic treatment in-progress covered?
- What is the deductible?
- Has any amount been used already?
- Do standard coordination of benefits apply if there is more than one policy?
As a courtesy to Lucas Orthodontic Group patients, our team will verify your insurance on your behalf.
How Does Orthodontic Insurance Work?
Verification
It is important to understand that even with verification of orthodontic insurance, the financial responsibility of treatment lies with you as the patient. Verification of insurance does not guarantee payment and we can only provide you with a good faith estimate of your coverage.
Having an estimate of how much your insurance may cover will be helpful.
Insurance Coverage
Most insurance companies do not pay their portion in one lump sum. They typically make an initial down payment, followed by monthly or quarterly payments over the course of your orthodontic treatment.
This is why you should always check your balance prior to canceling or making any policy changes. If there are changes in your insurance information, contact our Billing Department at:
Patient Responsibility
Payment arrangements can be made for any amount not covered by your orthodontic insurance.
As with your treatment plan, all financial information will be outlined before you start treatment so there are no surprises down the road. Our treatment coordinators are here to help you every step of the way.
Frequently Asked Questions About Orthodontic Insurance
- How much does orthodontic insurance cover? Orthodontic insurance coverage widely varies from provider to policy. To find out how much your orthodontic insurance will cover, call your dental insurance provider today and ask the important verification questions above.
- What if my orthodontic insurance is out of network? That doesn’t necessarily mean you won’t be covered at Lucas Orthodontic Group. Prior to starting treatment, we can verify your orthodontic insurance and estimate your coverage.
As a courtesy to our patients, we file all insurance claims, regardless if they are in-network or not.
- Do I need to be referred to use orthodontic insurance?
You do not need to be referred to receive treatment at Lucas Orthodontic Group.
However, to utilize your orthodontic insurance, you may be required to seek treatment from a licensed orthodontist – one who has received extensive training and education in this specialized dental field. Meet our licensed orthodontists!
Depending on your policy, there may be cost benefits of using an in-network provider. Call your insurance provider to learn the specifics of your policy or contact us today to see how we can help.
- What if I change my orthodontic insurance? If there are changes in your insurance information, contact our Billing Department at 615-377-7777. For specific instances, please review our suggestions below:
If you lost or are considering canceling your orthodontic insurance, we encourage you to call us to determine your outstanding insurance balance. Most orthodontic insurances make payments over the course of your treatment. So if you still have a balance and no longer have orthodontic insurance to cover it, you will be responsible for the remaining balance.
If your orthodontic treatment is in-progress and you are replacing current or adding new orthodontic insurance, it is important you find out your new coverage options. Some policies have stipulations on covering treatment currently in-progress.
- What if I don't have orthodontic insurance? We understand that not everyone has dental insurance, let alone orthodontic insurance. To meet the needs of most individuals and families, we offer flexible payment options and we accept major credit cards.
Before you start treatment, you will receive a treatment plan that clearly outlines financial information, providing a breakdown of costs and fees.