How Does Orthodontic Insurance in Albuquerque Work

Before jumping into orthodontic treatment, you should always have a clear idea of how your insurance will work best for you. This can be a hard task to accomplish all on your own, which is why you can lean on our trusted team at Rio Grande Orthodontics. Let’s go over how orthodontic insurance in Albuquerque works. 

What is Orthodontic Insurance?

Orthodontic insurance usually stands alone from dental insurance, designed to cover a portion of your orthodontic appliances and our services. Whereas dental insurance is preventative and restorative, orthodontic insurance is completely dedicated to treatments that correct misalignment.

Before we expand upon how this insurance operates in Albuquerque, we want to mention a few points to be aware of:

  • No two plans under two different insurance companies are exactly alike. They often have commonalities—but when you investigate further, you’ll usually find some special nuances in the coverage and conditions.
  • Coverage can include braces, clear aligners, and post-treatment retainers, though this varies.
  • Benefits are typically paid over the course of your entire treatment as opposed to one lump sum.
  • If you have two insurance plans, consider combining the benefits to cut your costs down even more.
  • Almost every plan has lifetime maximum benefits instead of annual limits. This is the maximum dollar amount that the insurance company is willing to pay, regardless of how long treatment takes. We’ll emphasize this number pretty heavily during your explanation of benefits.

With eight offices in our practice and four brilliant doctors, Dr. Gardiner, Dr. Vest, Dr. Klinger, and Dr. Kellam, we want to cast as wide of a net of coverage as we can to help guarantee our insured patients will be in-network. Our partners include, but are not limited to:

  • Aetna
  • Ameritas
  • Blue Cross Blue Shield
  • Cigna
  • Delta Dental
  • DentaQuest
  • First Family Insurance
  • Golden Rule
  • Humana
  • Spirit Dental
  • Standard

How Does Orthodontic Insurance in Albuquerque Work

Your Benefits, But Better

The ways in which you actually benefit from your insurance plan are largely at the discretion of the practice working with you—which is why choosing the right office is so important. For example, an unqualified team might not take the time to investigate claims thoroughly or misinterpret certain important information. 

You’ll find that our offices will not let you down on this front! Each office has an incredible team dedicated to maximizing your benefits by providing the following:

  • Pre-Visit Insurance Verification: Before your first free consultation, our knowledgeable team will verify your insurance benefits and provide you with a clear breakdown of what your plan covers and omits.
  • Claims Assistance: Leave all that pesky paperwork to us! We’ll handle filing claims and managing communications with your insurance provider.

Financial Solutions

We’re aware that some patients don’t have insurance or would list finances as their utmost concern. Rio Grande Orthodontics is committed to making your and your family’s treatment as affordable as possible. Consider these options:

  • Interest-Free Financing: Spread out your payments over time with no added interest.
  • Flexible Down Payments: We’ll work with your budget to create a manageable initial payment plan.
  • Accepted Payment Methods: For your convenience, we accept cash, Visa, MasterCard, American Express, and Discover. 

We also offer some special discounts in our offices that you can take advantage of:

  • State Funding Discounts: For patients on state funding programs, we provide substantial discounts to make orthodontic care accessible.
  • Paid-in-Full Discounts: Save more by paying for your treatment upfront.
  • Family and Sibling Discounts: We’re proud to offer discounts for families with multiple members undergoing treatment.

FAQs

Q: Does orthodontic insurance cover early treatment for kids?

Many plans actually prioritize children’s braces and cover early orthodontic interventions, such as space maintainers or other appliances for correcting bite issues, as long as they are medically necessary.

Q: How much does orthodontic insurance usually pay?

Like we said, this all depends on your plan. But one example of what orthodontic insurance can pay is up to 50% of treatment costs after you meet your deductible, with a lifetime maximum benefit ranging from $1,000 to $3,500 per person.

Q: How does insurance apply to my family members?

Each family member (dependent) typically has their own lifetime maximum. If multiple children need treatment, we can help verify that your plan covers each of them without exceeding your total family coverage limit. It’s not unusual for us to treat parents and their kids at the same time!

 

How Does Orthodontic Insurance in Albuquerque Work

A Place Just For You

If insurance has been stressing you out ahead of treatment, you can relax now! We deftly handle insurance claims and conversations every single day at Rio Grande Orthodontics. You can find us in Albuquerque, Edgewood, Espanola, Las Vegas, Los Alamos, Cerillos, Harkle, Socorro, and Taos