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Insurance and Financing
Orthodontic treatment is a meaningful investment in your long-term health and confidence, and the financial details should never get in the way of the care you need. At Martin Family Orthodontics in Longmont, CO, we work with most major dental insurance plans and offer interest-free in-office financing to make treatment accessible for families and adults across Boulder County. Call (303) 772-5055 to discuss your options.
Why Us
How Orthodontic Insurance Works
We invite you to read what our patients have shared on the platforms where they spend their time:
Lifetime orthodontic maximum
A fixed dollar amount your plan will pay toward orthodontic care across your lifetime under that plan.
Coinsurance percentage
The percentage of eligible orthodontic costs your insurance pays (typically 50 percent, though it varies).
Age limits
Some plans cover orthodontic care only for dependents under a specific age. Others include adult coverage.
Waiting periods
A few plans require a waiting period before orthodontic benefits become active.
We will verify your specific plan during your onboarding. You will know exactly what your insurance pays and what your out-of-pocket responsibility is before treatment begins.
Accepted Insurance Plans
We accept most major dental insurance carriers, including the following.
If you do not see your plan listed, call us. We work with many additional carriers and will verify your specific coverage.
Accepted Insurance
Interest-Free In-Office Financing
For the portion of treatment not covered by insurance, we offer interest-free payment plans through our office. Key features:
For families managing multiple orthodontic cases or for adults considering treatment, in-office financing typically makes the financial side of treatment significantly easier than navigating outside lenders.
0% interest.
No financing charges. The total cost is the total cost.
No third-party lenders.
Your payment plan is with us, not an outside financing company.
No credit checks.
Our standard in-office plans do not require credit applications.
Customizable monthly payment.
We work with you to structure payments that fit your budget.
Flexible start date.
Plans can be timed to align with paychecks, tax refunds, or other planning needs.
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Payment Methods We Accept
Cash
Personal check
Major credit cards (Visa, Mastercard, American Express, Discover)
HSA and FSA accounts (orthodontic care is generally eligible)
Recurring autopay for monthly payment plans
Payment Methods We Accept
- Cash
- Personal check
- Major credit cards (Visa, Mastercard, American Express, Discover)
- HSA and FSA accounts (orthodontic care is generally eligible)
- Recurring autopay for monthly payment plans
HSA and FSA Accounts
Orthodontic treatment is typically eligible for payment from a Health Savings Account (HSA) or Flexible Spending Account (FSA). If you have one of these accounts, treatment cost can be paid with pre-tax dollars, which often produces meaningful savings. Check with your HSA or FSA administrator to confirm orthodontic coverage under your specific plan.
How to Verify Your Insurance Coverage
Before your first appointment, please have the following available:
- Your insurance card (or a clear photo of both sides)
- The subscriber’s name, date of birth, and ID number
- Your relationship to the subscriber (if you are not the subscriber)
Once we have this information, our team will verify your orthodontic benefits and provide a clear breakdown of what your plan covers and what your out-of-pocket cost would be for various treatment options. Most verifications are completed within one to two business days.
Cost of Orthodontic Treatment
Treatment cost depends on case complexity, treatment length, and the type of appliance selected. Routine orthodontic care typically falls within a regional range that we will discuss in detail at your consultation. There are no hidden fees in our pricing. The number we quote is the number you pay.
For specific treatment cost information, see our individual treatment pages:
What to Expect During Active Treatment
Patients in active treatment can expect:
- Adjustment appointments roughly every 4 to 8 weeks for braces, or check-ins every 6 to 10 weeks for aligner therapy
- Direct access to Dr. Martin and our clinical team between visits if questions or issues come up
- Same-week scheduling for orthodontic emergencies, including broken brackets, poking wires, and lost retainers
- A clear treatment timeline and ongoing updates as your case progresses
We treat our patients the way we would want our own family members treated: respectfully, thoroughly, and with the time and attention complex care deserves.
Frequently Asked Questions About Insurance and Financing
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Will you submit insurance claims for me?
Yes. We handle insurance billing directly with your carrier as a courtesy. You do not need to submit claims yourself.
Can I use multiple insurance plans (dual coverage)?
Yes. If you have coverage under two dental plans, we coordinate benefits between them.
What if I do not have dental insurance?
We offer interest-free in-office financing that makes treatment manageable without insurance. Many of our patients pay for treatment without insurance and find the payment plans accessible.
Are consultations free?
Yes. Your initial consultation is complimentary, with no obligation to commit to treatment.
Can I pay in full upfront for a discount?
Yes. We offer a small courtesy discount for patients who pay the full treatment fee at the start. We will provide specific terms at your consultation.
Does Medicaid cover orthodontic treatment?
Medicaid coverage of orthodontic care is limited and varies by case. We can discuss your specific situation if Medicaid is your primary coverage.
Schedule a Consultation
The best way to understand what treatment would cost for you specifically is to come in for a complimentary consultation. You will get a clinical evaluation, a clear treatment recommendation, and a full cost breakdown that takes your insurance and financing options into account.
Call (303) 772-5055, email info@mfortho.net, or contact us online.
