Richmond Virginia Orthodontics (RVO) believes our patients deserve a beautiful, healthy smile. Navigating insurance coverage can be overwhelming, and that is why our team is committed to making the process as seamless as possible for you.
RVO accepts most insurance providers, including, but not limited to, Delta, MetLife, and Aetna. While some plans may be out-of-network, our commitment to transparency ensures you know what to expect before starting your orthodontic journey.
Richmond Virginia Orthodontics proudly accepts various insurance providers to make quality orthodontic care accessible. Our goal is to provide flexibility and convenience to all of our patients. Some of the major insurance plans we work with include:
- Delta Dental
- MetLife
- Aetna
- UnitedHealthcare
- Humana
- Guardian
If you have a different insurance provider, contact our office directly; our knowledgeable staff will help you determine your coverage.
In-Network Insurance
RVO contracts with your provider to offer orthodontic services at agreed-upon rates when you have an in-network insurance plan. Typically, this means lower out-of-pocket costs for you. We are happy to work with your insurance plan to maximize your benefits and minimize expenses.f
Out-of-Network Insurance
If RVO is out-of-network with your insurance provider, your plan may still cover a significant portion of your orthodontic care. Many patients with out-of-network plans are surprised to learn how much their insurance will cover. We handle pre-authorization during your consultation to determine what your plan covers and what costs you might incur. RVO will ensure you have a good understanding of your benefits and financial responsibility before beginning treatment.f
Pre-Authorization Process
At Richmond Virginia Orthodontics, we want your experience to be stress-free from start to finish. That’s why we offer insurance pre-authorization during your initial consultation. This process does the following:
- Verify Your Coverage: We contact your insurance provider to confirm eligibility and coverage details.
- Estimate Costs: We provide a detailed breakdown of your benefits and any out-of-pocket expenses.
- Answer Questions: We explain your coverage and answer any questions you may have about the process.f
We ensure you understand your insurance benefits and payment options before treatment.
What Does Orthodontic Insurance Cover?
Orthodontic insurance typically covers a portion of the cost for braces, clear aligners (like Invisalign), and other orthodontic treatments. Coverage varies depending on your specific plan, but most policies provide benefits for the following:
- Braces: Traditional metal braces, ceramic braces, and self-ligating braces are often covered under orthodontic insurance.
- Clear Aligners: Many insurance plans now cover clear aligner treatments like Invisalign, which offer a discreet and convenient way to straighten your teeth.
- Retainers: Some plans cover retainers as part of comprehensive orthodontic treatment.
- Initial Consultations and Diagnostic Exams: Insurance often covers a portion of the cost for your initial consultation and any necessary diagnostic procedures (e.g., X-rays, digital scans).
Remember that orthodontic coverage often has a lifetime maximum benefit, meaning there is a cap on how much your insurance will pay for orthodontic care over your lifetime. Our team helps explain your specific benefits during the consultation process.
Flexible Payment Options
We recognize that even with insurance coverage, orthodontic treatment can be a significant investment. To make treatment affordable for all patients, Richmond Virginia Orthodontics offers a variety of flexible payment options:
- Interest-Free Financing Plans: We offer in-house financing plans with no interest, allowing you to spread out the cost of treatment over manageable monthly payments.
- Third-Party Financing: We work with reputable third-party financing companies, such as CareCredit, to provide additional payment options.
- Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): You can use FSA and HSA funds to pay for orthodontic care, reducing your out-of-pocket expenses with pre-tax dollars
Why Select Richmond Virginia Orthodontics?f
We are dedicated to providing exceptional orthodontic care while prioritizing your convenience and peace of mind. Here are just a few reasons to choose us:
- Comprehensive Insurance Support: We handle insurance verification, pre-authorization, and claims filing to make the process simple and hassle-free.
- Experienced Team: Our team of orthodontic professionals is experienced in working with a wide range of insurance providers and is committed to helping you navigate your benefits.
- Personalized Care: We create customized treatment plans tailored to your unique needs and goals.
- Advanced Technology: We use state-of-the-art technology to deliver efficient, comfortable, and effective orthodontic treatment.
Frequently Asked Questions About Orthodontic Insurance
- What if my insurance plan changes during treatment?f
If your insurance plan changes, please notify our office as soon as possible. We will work with your new insurance provider to determine your coverage and adjust your payment plan if necessary.
- Can I use two insurance plans to cover treatment?
Yes, if you have dual coverage (two insurance plans), we will coordinate benefits to help you maximize your coverage.
- Does RVO accept Medicaid?
Unfortunately, we do not accept Medicaid. However, we are happy to discuss your flexible payment options and financing plans to help make treatment affordable.f
- How do I know if my insurance covers orthodontic treatment?
During your consultation, we will verify your insurance coverage and provide a detailed breakdown of your benefits. You can also contact your insurance provider directly to inquire about orthodontic coverage.
Schedule Your Consultation Today
Understanding your insurance coverage shouldn’t be a barrier to achieving a beautiful smile. At Richmond Virginia Orthodontics, we are committed to making the process straightforward and transparent. Schedule a consultation with us today, and let us help you navigate your insurance options and create a customized treatment plan that fits your needs and budget.fCall us at (804) 884-9906 or visit to book your appointment. Our friendly team is here to answer any questions and guide you every step of the way!
