Orthodontic Financials and Insurance

Financial & Insurance

At Dr. Gray Orthodontic Specialists we believe smiles change lives. It is our mission to provide you with affordable, high-quality treatment that fits your budget. Whether you are interested, in need of traditional metal braces, hidden braces, or clear aligners, we offer a variety of payment options to fit your need.

We believe that it shouldn’t cost you anything to come in and meet us to find out what your treatment options are and how much they would approximately cost. That is why your first visit and exam with us is 100% complimentary! Request your Smile Assessment now!

There are few things in life you can do for a child, that will last a lifetime. Helping your child have a healthy, straight, beautiful smile can provide confidence and well-being. Studies even show people with a healthy straight smile are considered more trustworthy, better able to pair with a significant other, and are more likely to be considered as a job applicant. And just as this is an incredible investment for a child, many adults take the opportunity to improve their health and confidence by investing in a life-changing smile! 

We believe that our patients should have options to fit their lifestyle. Our clear aligners and clear esthetic braces are offered at no additional cost compared to our modern silver braces. This means you are free to choose whichever works for you!
We have many options to help you find the payment option that works best for you so you can have the beautiful smile you deserve! Because no two people have the same teeth and jaw structure, orthodontic fees vary based on your individual need and goals. That means that our fees vary based on type of treatment, appliances used, and time in treatment. At your FREE SMILE ASSESSMENT, our wonderful doctors and team will help to personalize a plan for you.

Many of our patients choose our pay in full option because of our generous bookkeeping discount. While others like to use our no-interest payment plans to spread payments out over many months. We also offer discounts for additional family members.

For your benefit, we accept all major credit cards (Visa, Mastercard, Discover, American Express) and have automatic monthly ACH payment options.
We proudly accept payments from nearly all PPO dental insurance companies. In many cases, orthodontic insurance can greatly reduce your out of pocket investment in your orthodontic treatment. If you have an orthodontic benefit with your dental insurance, we can file and complete the necessary insurance forms for you.

Here are just some of the insurance plans we accept in our office: Delta, Aetna, MetLife, Anthem, Guardian, Cigna, United Concordia, Principal financial, United Healthcare, Dental Health Services, Blue Cross of California, Ameritas, Humana, Bestlife, Premier Access Insurance, Unicare, Standard Insurance, Sunlife Financial, Lincoln financial group, Blueshield of California

If you don’t see your insurance on this list, don’t fret! Simply call our office or send us a message, and our team can find out more information about your individual insurance plan. 

Every insurance plan is different, and a dental insurance benefit is often different than an orthodontic insurance benefit. Your experience using your insurance for orthodontic treatment should not be confusing, so our office is happy to help find out the details of your insurance plan. When you schedule your FREE Smile Assessment, one of our team members will collect some information from you that will allow our office to have all this information ready for you at your appointment.
Many employers offer a benefit called a flexible spending account. This allows you to set aside pre-tax money to pay for healthcare expenses. FSA’s are very popular as an option to pay for orthodontic treatment, as families save an average of 30% of the cost by using this pre-tax option. 
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