Financing & Insurance

At Clemente Orthodontics, we have specialists in place to help you maximize your orthodontic benefits. We work closely with all insurance companies and are happy to do a complimentary benefits check at any time. Our team stays up to date with the latest insurance policies and regulations to ensure you receive the most from your coverage. If you have any questions about your insurance coverage, please contact us. We are dedicated to providing you with clear, concise information and will guide you through the entire process, from verifying benefits to filing claims. Let us handle the paperwork so you can focus on achieving your best smile.

Our family plan offers discounts to families who have multiple members who need orthodontic treatment. If any immediate family member received orthodontic care at Clemente Orthodontics, any future family member will receive a discount. The family plan can be used with children and parents alike. This ensures that everyone in the family can achieve a beautiful smile without the financial strain. By participating in our family plan, you not only save money, but also enjoy the convenience of coordinated appointments and streamlined care. We believe in supporting family health and well-being, making it easier for everyone to access the orthodontic treatment they need.

Many companies offer their employees Flexible Spending Accounts (FSA). This allows an employee to set aside a portion of their paycheck in order to pay for qualified medical expenses. Orthodontic treatment qualifies for FSA reimbursement. We are happy to work with Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs), allowing you to maximize your tax savings while investing in your smile. If you have any questions about your Flexible Spending Account, please contact us and a member of our team would be happy to assist you with financing.

In addition to insurance benefits, we offer flexible, affordable and interest-free monthly payment plans tailored to fit your budget. We also provide attractive pay-in-full discounts for those who prefer to settle their accounts upfront. To ensure a seamless payment experience, we accept most major credit cards and CareCredit, a healthcare credit card designed for health and wellness needs.

Frequently Asked Questions About Insurance & Financing at Clemente Orthodontics

At Clemente Orthodontics, we believe financial considerations shouldn’t prevent you from achieving the smile you deserve. Our financing and insurance options are designed to make orthodontic treatment accessible and affordable.

What payment options do you offer?

We offer several flexible payment options to accommodate different budgets. These include payment in full (which may include a courtesy discount), monthly payment plans with no interest, and third-party financing through CareCredit. During your complimentary consultation, our financial coordinator will discuss all available options to find the best solution for your situation.

Do you accept insurance?

Yes, we work with most major insurance providers that include orthodontic benefits. Our team has specialists in place to help you maximize your orthodontic benefits. We’ll verify your coverage before treatment begins and can help submit claims on your behalf. Even if we’re not in-network with your specific plan, we can often work with your insurance company to help you receive the maximum benefits available.

How much does orthodontic treatment cost?

The cost of orthodontic treatment varies based on several factors, including the type of treatment (Invisalign® or braces), the complexity of your case, and the estimated treatment duration. During your initial consultation, we’ll provide a detailed estimate tailored to your individual treatment plan. Many patients are surprised to learn that Invisalign® treatment costs are similar to traditional braces.

Can I use my HSA or FSA funds for orthodontic treatment?

Yes, orthodontic treatment is typically an eligible expense for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). These tax-advantaged accounts can be a great way to pay for your treatment using pre-tax dollars. We can provide the necessary documentation for you to submit to your HSA or FSA provider.

Is there a down payment required to start treatment?

Most payment plans include an initial down payment followed by monthly payments. The amount of the down payment can vary based on your total treatment cost and the length of your payment plan. We work with each patient individually to create a payment structure that fits their budget.

What if my insurance changes during treatment?

If your insurance coverage changes during your orthodontic treatment, please inform us as soon as possible. Our team will work with you to understand your new benefits and adjust your financial arrangements if necessary. We’re committed to helping you navigate any insurance changes with minimal disruption to your treatment plan.

Do you offer family discounts?

Yes, we offer courtesy discounts for families with multiple members in treatment. We value the trust families place in us and are pleased to make orthodontic care more affordable when treating multiple family members. Ask our financial coordinator about current family discount programs.

Can I get a cost estimate before my consultation?

While we can provide general price ranges over the phone, an accurate cost estimate requires a thorough examination by one of our orthodontists. That’s why we offer complimentary consultations — so you can receive a detailed treatment plan and cost estimate with no obligation.

What happens if I miss a payment?

We understand that financial situations can change. If you anticipate difficulty making a payment, please contact our office as soon as possible. We value open communication and will work with you to find a solution that allows your treatment to continue uninterrupted.

Are there additional costs beyond the quoted treatment fee?

Our treatment fees are comprehensive and include all regular appointments, adjustments, and initial retainers. We believe in transparent pricing and will clearly explain what is included in your treatment cost. Some additional services, such as replacement retainers or certain emergency visits, may incur separate fees.

Have more questions about financing your orthodontic treatment? Contact our team today. We’re committed to helping you find a financial solution that makes achieving your dream smile a reality. Visit us at our Ridgewood, Woodcliff Lake, or New City locations.