Creating your great new smile often requires treatment over many months. Drs. Chermak and Hanson provide several payment options to make the treatment affordable for you. Payment can be made by check, cash, or credit card. We accept all major credit cards.

Cost

The cost of treatment depends on the severity of the patient's problem. You will be able to discuss fees and payment options before treatment begins. We have payment plans to suit different budgets, including a no-down payment option. We also accept assignment from most insurance plans, and file the necessary papers to the insurance company. We work hard to make orthodontics affordable.
For your convenience, we offer three payment options:

Office Payment Plan - (no interest charges)- Ortho Banc

• No interest charges with automatic draft.
• Payment arrangements are listed on treatment summary
• Most major credit cards are accepted: Visa, MasterCard, Discover and American Express
• A 10% family courtesy fee reduction is available for additional family members.

Healthcare Finance (formerly Orthodontic Fee Plan) - (no down payment)

• No initial down payment required
• Take up to 36 months to pay with low monthly payments (includes a finance charge).
• 48 month option available for multiple family members.
• Fast confidential service by phone (1-800-637-3393) for outside financing through Healthcare Finance.
• No family courtesy fee reduction is available when OFP financing option is chosen.

Payment In Full (5% fee reduction)

• An administrative fee reduction of 5% is offered when a fee is paid in full by check or cash at the start of treatment
• Fee reduction does not apply to payments made by credit cards or OFP financing.
• Assistance is always available for submission of your insurance claims.
• Benefits may be coordinated with your monthly payments and thereby reduces your portion.
• Payments for orthodontic services are usually eligible for "Flexible Spending Accounts".
  
• Only one fee reduction will be applicable to any individual account.

Please feel free to contact one of our financial assistants for any further information concerning financing and insurance.

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We are happy to work with you and your insurance company to receive the maximum benefit possible under your policy. We have found that the more you know about your individual policy, the easier it is to process your claim. To assist us both, we have provided the following answers to the most commonly asked questions.

Please keep in mind that our primary financial relationship is with our patients and their families and not with the insurance company. We realize that understanding your orthodontic insurance can be difficult at times and we welcome any questions you might have. Thank you in advance for your cooperation.

How Does Orthodontic Insurance Work?

There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit. Orthodontic insurance generally differs from regular medical insurance in that it rarely pays for orthodontic treatment in full. The benefit is paid as a percentage of the orthodontic fee until the maximum has been reached.

Each insured individual usually has a lifetime maximum benefit for orthodontic services. This benefit may vary from as little as $500 to more than $2,000 depending on the type of insurance your employer purchased. Charges for lost or broken appliances may not be covered by insurance.

How Will Our Office Assist You with Your Insurance?

We will generate an insurance form on our computer that describes the orthodontic problems, the required treatment, the length of treatment time and the financial arrangements. Please bring a signed original insurance form to our office so that we may have complete information. We will submit this form to your insurance carrier for partial reimbursement of your orthodontic fees.

How Can You Maximize Your Benefit?

Know what your benefits are before treatment begins. If you are not sure, contact your insurance company or personnel office so that you know exactly what benefit is provided. This information will tell you how much you can expect to pay.

According to our contract with you, each monthly payment will be the combined effort of both you and your insurance company. Once your insurance limit has been met, monthly payments become your sole responsibility. Although insurance may be a factor, please remember that you ultimately responsible for all charges incurred in our office and that you are personally responsible for any balance not paid by your insurance company.

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