Providence Pediatric Dentistry and Orthodontics

Financing & Insurance

We are committed to providing our patients with the best comprehensive dental and orthodontic care possible.

We will always recommend your treatment based on your dental needs, not by what your insurance carrier covers.  Dental insurance is a benefit to help assist you with the cost.  All charges you incur for your dental care are your responsibility regardless of insurance coverage.  As your dental provider, our relationship is with you and not the insurance carrier.

We do our best to give you an estimated co-payment amount prior to your appointment based on information received over the phone from an insurance representative from your insurance carrier. This information is not a guarantee of payment or approval from the insurance company. Your estimated amount is due at the time of service. We will complete and submit the forms to all insurance companies for benefits. Once insurance processes, if there is a remaining amount due, a statement will be sent to you.

At Providence PDO, we accept most insurance plans and will STILL file claims on your behalf, regardless of Network status.

For orthodontic services, we are proud to offer:

  • In-house financing  –  0% interest, low money down
  • Acceptance of most insurance plans
  • Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)
  • Transparent, affordable pricing 

Orthodontic Insurance FAQs

Does Dental Insurance include Orthodontic Benefits?
Some do, and some don’t. It just depends on your policy. Be sure to ask if you plan covers general dentistry AND orthodontics. Another important question to ask is if orthodontic overage is just for children/teens or if you have adult ortho coverage as well.
What does Orthodontic Insurance typically cover?
Every policy is different.  Here are some basics that tend to be a good rule of thumb:
  • Usually, orthodontic coverage has a Lifetime Maximum Benefit (LMB) that will pay out 50% of the total case fee (some may pay less).
  • Most policies only pay for orthodontic treatment one time. 
  • Out of pocket expenses cary from policy to policy, and whether you choose an in-network provider. 
Is there a waiting period for Orthodontic coverage?
Some plans do require a waiting period, but most do not. Be sure to ask your insurance company if a waiting period is required before starting orthodontic treatment. 

Please don’t hesitate to contact our office if you have any questions!