Financial & Insurance

Each orthodontic problem is unique. Fees will vary depending on the severity and complexity of the problem. An estimate can usually be given at your initial exam, and a specific fee will be determined after diagnostic records have been collected and analyzed. Dr. Hohl offers easy payment plans, including monthly instalments. We accept VISA, MasterCard, Discover and debit cards. We also work with an outside financing company Lending Club Patient Solutions. They offer a no initial payment and low-interest monthly instalments.

How does orthodontic insurance work?

There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit. However, orthodontic insurance generally differs from the regular dental insurance in that each insured individual usually has a lifetime maximum benefit for orthodontic services. They also usually have a co-pay (i.e. with a 50% co-pay in order to achieve a $1.00 payment by the insurance company toward the treatment fee, $2.00 must be billed by the orthodontist). This benefit is paid as a percentage of the orthodontic fee (diagnostic records, initial fee, monthly payments, etc.) until the benefit maximum has been reached. Charges for lost or broken appliances may not be covered by insurance.

How does this office assist you with insurance?

Our staff will help you determine your insurance benefits and will submit the necessary forms for reimbursement. We will gladly assist you in submitting both predetermination and initial insurance claims pertaining to charges for care rendered in our office. However, please be aware that our primary financial relationship is with our patients and their families, not with their respective insurance companies. Final responsibility for collection of benefits from your insurance company rests with the insured party. Our professional services are rendered and charged directly to the patient or their family, and they are responsible for payment of all fees incurred.

The following guidelines are followed:

It is helpful if you know what your insurance benefits are before treatment starts. If you are not sure, we will be happy to contact your insurance company for you, or you may do so yourself so that you know exactly how much you can expect to be paid and when you expect payment.

If your company requires verification of continuing treatment, you may send them a copy of your cancelled checks or cash receipts. If your insurance carrier provides a form for verification of continuing treatment, we will be glad to complete the signature portion.