Understanding Your Insurance
At Shoreline Orthodontics, we are happy to work together with you and your insurance company to help ensure that you receive the maximum available benefit under your individual policy. We are able to take care of the paperwork so you don’t have to navigate it alone. If your plan carries orthodontic benefits, we are able to submit and collect the insurance portion directly on your behalf and work with you to provide an interest- free payment plan for the remaining balance.
Please keep in mind that our primary financial relationship is with our patients, not with their insurance providers.
Orthodontic Insurance differs from regular dental insurance in that each insured individual usually has a lifetime maximum benefit for orthodontic services. This benefit is paid out in monthly installments during the course of orthodontic treatment, usually as a percentage of the orthodontic fee, until the maximum available benefit has been reached. If your orthodontic coverage or insurance carrier changes, please be sure to notify us as soon as possible.
We realize that understanding your orthodontic insurance can be difficult and we welcome any questions you may have.
Frequently Asked Questions:
Eligibility - The requirements for eligibility for orthodontic coverage vary by policy. Some policies require a waiting period for new employees while others may require a specific number of hours to be worked per pay period in order to maintain eligibility. In some cases, orthodontic coverage is only available to dependent children under a certain age. If you are unsure of eligibility requirements, you should refer to the plan booklet or app, or contact the insurance administrator at your place of employment.
How Benefits Are Calculated – There is no universal formula for calculating the amount to be paid toward the initial appliance placement fee or subsequent monthly fees for treatment as each policy maintains its own formula. However, some of the most common plans pay out their orthodontic benefits at 50% of the treatment fee to a lifetime maximum dollar amount per eligible insured party. Your policy may also have a yearly deductible that you must reach before benefits begin.
Multiple Coverages – If the patient is covered by more than one orthodontic insurance policy, the carriers will determine which plan is considered the primary policy for that patient. Often, this determination is made by the birthdates of the plan holders. With children, for example, the parents’ birth month often determines which policy is primary and which is secondary. For adults, the patient is most often the primary policy and the spouse is the secondary policy.
Again, this method is not a universal formula, as that will be specific to each policy carrier. The secondary insurance carrier will not declare or pay benefits until the primary carrier has made a determination of the amount of treatment that will be covered. The secondary carrier usually requires written confirmation from the primary carrier of the amount of benefits to be covered within the primary plan.
At the start of your treatment, we will have you sign all of the insurance claim forms that will be required to bill your insurance carriers directly. If your coverage changes or ends for any reason, you will be responsible for any outstanding balance on your account.
Dr. Michelle Kosmowski
Being a part of someone’s orthodontic journey is a dream come true and a position not taken lightly at Shoreline Orthodontics. My own personal orthodontic journey was both fascinating and inspiring and I wish to be able to impart the same experience to the patients here. Meet Dr. Kosmowski
Dr. Megan McFadden
I really had fun going to the orthodontist when I was in braces. Everyone in the office was happy and enjoyed their work. This and the fact that my father was an oral surgeon inspired me to become a dentist and eventually an orthodontist. I like solving puzzles, thinking, planning and organizing all of which I am able to do as an orthodontist. More importantly, I enjoy getting to know people and making them smile. Meet Dr. McFadden
Dr. Paul Helpard
I really care about the people who trust their teeth to me. When you come to Shoreline Orthodontics for treatment you are more than a patient, you are part of the family. Your relationship with everyone at Shoreline will extend beyond the office and beyond your time in treatment. Meet Dr. Helpard
Dr. Erin Eyer
I have always wanted to be an orthodontist. While visiting my family home a few years ago, my husband came across an old school project of mine from grade three. In it, we were asked to describe what we wanted to do when we grew up. My answer was “I want to be an orthodontist because I like to make people smile”. Years have gone by and it turns out my answer is still the same. What I have learned now is that what we do at Shoreline is so much more than making people smile – it is helping people find their confidence – and that lasts a lifetime. Meet Dr. Eyer