Financial & Insurance

Affordable Financing Options

hbraces2Smile Power Orthodontics strives to provide our patients and families with affordable, high-quality treatment that fits your budget. The treatment plan will include a breakdown of what is included in the fee and insurance benefits available.

We offer a variety of payment options to meet your needs and in an effort to keep orthodontic fees down while maintaining the highest level of professional care:

  1. Payment in full with a bookkeeping courtesy discount.
  2. Interest-free payment plans extending payments over the treatment time, automatically drafted from a credit card or checking account for your convenience.

These flexible payment options allow you to pay for your treatment over a period of time so you can focus on what matters most – keeping your smile healthy.

Insurance Coverage

Orthodontic insurance is a separate benefit from your dental insurance. If your insurance includes orthodontic treatment, you will receive the benefit of reduced personal costs. Insurance policies vary, so we contact your provider on your behalf to review your insurance to determine the coverage you have available.

Some of your dental insurance may also cover some procedures, such as X-rays or space maintainers.

Once treatment has started, we will file insurance claims on your behalf. We also accept assignment of benefits from insurance plans and file the necessary papers to the insurance company.

Refunds will be issued should there be an overpayment. This can happen when an insurance company makes an unexpected reimbursement.

Flexible Spending or Medical Savings Accounts

Flexible Spending Accounts (FSA) or Medical Savings Accounts (MSA) allows individuals a smart way to save money to help pay for their current or future qualified medical expenses on a tax-free basis. Flexible spending accounts are often offered by your employer, while medical savings accounts are offered by your bank.

FSA accounts are a tax exempt account, and MSA accounts may be tax-deductible on your federal income tax return and unlike FSA accounts have no “use it or lose it” rule.

Reputable banks, such as Bank of America or Patelco, offer these Medical Savings Accounts!