Financial & Dental Insurance Information
Treatment fees are based on the severity of the orthodontic problems, the type of orthodontic appliances used and the length of treatment. Affordable, interest-free payment plans are available. We welcome dental insurance and will assist you in filing your claim so that you may receive your maximum benefit. Dr. Staggers is a prefered provider for Anthem, Delta Dental and United Concordia. We will file insurance for all companies. MasterCard, Visa, Discover and CareCredit patient financing are accepted. Be sure to visit our office when shopping for orthodontic services. You will like what you hear.
All payment plans provided by Dr. Staggers are interest-free and involve a down payment, due an the start of treatment, followed by monthly payments until the balance is paid off. We offer a discount for payment of the entire orthodontic fee at the start of treatment. Payments as low as $85 to $100 per month are available.
Payment Using an Independent Financing Company
Payment of the orthodontic treatment fee can be made using an independent healthcare financing company called CareCredit. CareCredit offers short-term and long-term (up to five years) financing and no down payment plans. CareCredit does charge interest on some, but not all, of its financing plans. Applications for financing can be taken by telephone or the internet from your home or office. For more information on CareCredit, CLICK HERE or call 866-893-7864 toll-free.
In the unfortunate case that financial problems arise during treatment, please contact the office so that we may assist you. New financial arrangements may be possible. If you cannot afford treatment any longer, you can stop treatment at any time. You will only be financially responsible for treatment that has been received.
We will assist you in filing your insurance. Dr. Staggers is a preferred provider for Delta Dental, Anthem and United Concordia, and the office will file insurance claims to ALL insurance companies. Most orthodontic policies cover $1000 to $1500 per lifetime of the child, even if Dr. Staggers is not a preferred provider for your insurance company. With most orthodontic policies, you can receive orthodontic treatment from Dr. Staggers and still receive your full orthodontic insurance benefit. Please be aware that insurance policies vary and some of this information may not apply to your policy. The office staff will provide you with a form. You do not need to bring a claim form from your insurance company. However, you do need the policy or group number, the policyholder's social security number and the company address where claims are to be sent. Orthodontic claims are filed on two occasions. The first is for the orthodontic records. Since the records involve radiographs and clinical examination, most insurance companies will cover a portion of the records fee, even if the policy does not cover orthodontic services. Typically, insurance companies cover about 50% of the records fee. The second time an orthodontic claim is filed is for the orthodontic treatment fee at the beginning of treatment. If you would like to know what portion of the orthodontic fee your insurance company will pay prior to the start of treatment, this claim can be filed prior to the start of treatment as a pretreatment estimate. The insurance company will then send you a form explaining how much of the fee is covered and their reimbursement schedule. This information is also available in the insurance handbook given to you at the time of insurance purchase or may be obtained by calling your insurance company. Our dental staff may be able to obtain this information online for you.
Regardless of whether a pretreatment estimate is filed, we will file for the orthodontic treatment fee on the day that treatment is started. Orthodontic appliances must be in place in order for the insurance company to consider payment of the claim. The staff will file for the entire treatment at the start of treatment. The insurance company will consider the entire orthodontic fee once the form has been received and will decide on the amount that will be covered. The insurance company will send you a check based on what is covered under your policy. In order for the treatment fee to be covered, you must have a policy that includes orthodontic services. Most orthodontic policies cover $1000 to $1500 per lifetime of the child. General dentistry policies will not cover orthodontic services. Insurance companies reimburse claims at different rates. Most insurance companies will send you a check quarterly. Only rarely will the insurance company reimburse you on a monthly basis. Insurance companies NEVER pay the entire amount covered in one lump sum.
Get answers to all your orthodontic questions. Call board-certified orthodontist Julie Ann Staggers, DDS, MS at 540-722-6700. Please visit our braces before and after gallery. We serve patients from Front Royal (Warren County), Strasburg (Shenandoah County), Winchester and Stephens City (Frederick County), Berryville (Clarke County) and neighboring communities.