Financial Information

Orthodontic treatment is an investment in yourself or your loved one that should be affordable. In addition to participating in all major insurance plans (Delta, Cigna, Aetna, MetLife, Guardian, BCBS, UnitedHealthcare, CSEA, Healthplex, UFT, ASO/SIDS, Daniel H. Cook, EmblemHealth and more!) Orthodontic Harmony offers monthly payment options to patients: You pay a flexible percentage of the total cost initially and the remaining balance is divided into payments over the course of the treatment.

For more information, please call +1 (914) 923 – 5089!

If you participate in an FSA or HSA program, you can typically apply those funds toward qualifying orthodontic expenses, such as:

• Traditional metal braces
• Clear or ceramic braces
• Clear aligners
• Digital scans and treatment planning
• Custom retainers
• Follow-up visits and consultations

Our team provides detailed receipts and documentation to support your reimbursement claims and help you stay organized.

It’s important to keep in mind that FSA funds usually expire at the end of your plan year (or may offer a limited carryover), so planning your consultation before the end of the year is a smart move. HSAs are more flexible, allowing funds to roll over year to year – ideal for longer treatment timelines.

Many dental insurance plans include orthodontic benefits, especially for children, and in some cases, adults. However, coverage terms can vary widely based on:

• Your insurance provider
  
• In-network or out-of-network status
  
• Age and eligibility of the patient
  
• Type of appliance used (braces, aligners, etc.)
  
• Medical documentation requirements
  

We’re happy to assist in verifying your benefits and filing claims on your behalf. During your consultation, you’ll receive a complete financial overview, including an estimate of how much your plan may cover.

To make treatment as accessible as possible, many of our patients use a combination of insurance benefits, FSA/HSA funds, and monthly payment plans. This allows for more flexibility and less financial stress without delaying care.

At Orthodontic Harmony, we offer personalized financial planning, low initial down payments, and monthly installments spread over 12 to 24 months. It’s just one more way we make high-quality care easier to access for families across Westchester County.

At our practice, we believe everyone deserves access to quality dental care. To make your visits as easy and affordable as possible, we participate with a wide range of dental insurance plans.

If you don’t see your insurance plan listed or have questions about coverage, please contact our office by calling (914) 923 – 5089. Our friendly staff will be happy to help verify your benefits and explain your options before your appointment.