Insurance Coverage for Orthodontics
We’ll help you maximize your insurance benefits:
- All major dental insurance accepted: Delta Dental, Aetna, Cigna PPO, United Concordia, and more
- Direct claim filing: We handle all paperwork and submit claims directly to your insurance provider
- Coverage check: During your initial consultation, we contact your insurance to determine how much of your treatment is covered
Patient responsibility: Any remaining balance after insurance coverage is your responsibility, but we’ll discuss easy payment solutions
Flexible Spending Accounts (FSA) & Health Savings Accounts (HSA)
- Many FSAs and HSAs can be used to pay for braces, Invisalign, or other orthodontic care
- Funds used from these accounts are tax-free, reducing your out-of-pocket costs
- Our staff can verify with your provider to make sure you can use these funds for treatment
OrthoFi: Low Monthly Payment Plans
OrthoFi offers a convenient and flexible way to finance your orthodontic treatment:
- Low down payment: As little as $250
- Affordable monthly payments: Starting at $145 per month
- Automatic withdrawals: Set it and forget it, making budgeting simple
- Customizable plans: Our staff will work with you to create a plan that fits your budget
Learn more at OrthoFi.com
CareCredit Financing
CareCredit is a healthcare-focused credit card that makes orthodontic treatment more manageable:
- Short-term interest-free financing: 6–24 months if paid in full by the end of the period
- Long-term options available: Spread payments over time with manageable monthly installments
Apply online: Quick application at CareCredit.com
Multi-Family Member Discount
- Treating more than one family member at Milnor Orthodontics?
- Receive special discounts when multiple members start treatment at the same time
- Helps families save while giving everyone a healthy, confident smile
Why Choose Milnor Orthodontics for Financing Your Treatment?
Clear, transparent pricing with no hidden fees
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- Multiple payment options to fit every budget
- Insurance and FSA/HSA assistance to reduce out-of-pocket costs
Clear, transparent pricing with no hidden fees
-
- Multiple payment options to fit every budget
- Insurance and FSA/HSA assistance to reduce out-of-pocket costs
An Investment in Yourself or Your Loved Ones
Cost is an unavoidable factor in getting the smile you or your loved one has always wanted, and we do our best to make this part - along with every other part - as painless as possible. During your initial visit, we can contact your insurance company to determine how much of your treatment will be covered. We’ll also discuss every available payment option and discount that may apply to your treatment to help you pay for braces or Invisalign.
If you ever have a question regarding your account during your treatment, please contact us at (970) 484-3214 and ask to speak to someone who handles billing. A simple telephone call often clears up any misunderstanding.
All Major Insurance Accepted
If your insurance covers part of your orthodontic treatment, we file every claim and have the payments sent directly to our office, alleviating you from having to deal with submitting forms and forwarding checks. We’re able to accept benefits from all major dental insurance companies and are currently an in-network provider for Delta Dental, Aetna, Cigna PPO, and United Concordia. (Please remember you are fully responsible for the treatment fee agreed upon regardless of insurance coverage.)
FSA and HSA
Many flexible spending accounts (FSAs) and health savings accounts (HSAs) can be used to pay for braces, Invisalign or other orthodontic work. We can check with your specific provider to see if these tax-free funds are a payment option for you.
Flexible Payment Plans with OrthoFi
OrthoFi allows us to offer a $250 down payment with monthly payments as low as $145. Be sure to talk to someone on our staff for the specific details. Once a payment plan is established, automatic withdrawals can be scheduled, making your monthly payments even easier and more convenient. Learn more at orthofi.com.
Financing Available with CareCredit
CareCredit is a credit card program designed specifically for healthcare costs not covered by insurance. Short-term financing options (between 6 and 24 months) allow you make monthly payments without paying interest as long as the balance is paid in full at the end of the designated period. Apply now at carecredit.com.
Multi-Family Member Discount
Have more than one person in your family who needs braces? Milnor Orthodontics offers discounts to families with more than one member receiving treatment from us at the same time.
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