Your Investment

The overall cost of any orthodontic treatment depends on the complexity of the case, the patient's age, the type of appliances used, and the expected treatment duration. At your initial visit, Dr. Kirk will complete the thorough clinical examination required to give you an idea of what to expect in terms of the cost of the treatment. Treatment cost will be confirmed in writing before beginning treatment.

We are happy to offer flexible no-interest financing options to help you make treatment easier and more affordable! 


Insurance Coverage

Many people have dental insurance that will cover part of their orthodontic treatment. Terms of orthodontic insurance coverage vary widely among insurance companies and individual policies.

To ensure that you will be reimbursed as expected, we recommend that you contact your insurance carrier by phone to confirm your (or your child's) eligibility, as well as to determine the exact specifics of your coverage. It's best to do this before the consultation so that you can ask us any questions that may come up. 

Please keep in mind that you are responsible for payments throughout treatment, regardless of any insurance coverage.

Questions to Ask your Insurance Company

1. Do I have orthodontic coverage under my dental insurance policy?

2. Are there any age limitations or restrictions for the orthodontic coverage?

3. What percentage of the orthodontic fees is covered?

4. Is there a lifetime maximum?

5. What is the amount covered by my benefits for orthodontic diagnostic records?

6. Will you provide a lump-sum reimbursement if the fee is paid in full at the start of treatment?

Submitting a Claim

Once you've discussed your detailed treatment plan with Dr. Kirk and your financial arrangements have been decided, we will give you a completed Certified Specialist in Orthodontics Standard Information form, approved by the Canadian Association of Orthodontists. We ask that you submit this form to your insurance company as soon as possible so that they are aware of what to expect with regards to payment arrangements for your orthodontic treatment. They will also write directly to you about the coverage that you are entitled to. For payments made during treatment, we will provide you with receipts t

Once your treatment plan is confirmed, we will provide you with an Orthodontics Standard Information Form ("pre-determination form"), which will notify your insurance company of the details of your treatment, and ensure accurate processing of your future claims. You should receive a written response and explanation of benefits by mail from your insurance company within 2-4 weeks.

Before submitting your claim, make sure the box in the top right corner of the insurance form is filled out completely. Unfortunately, orthodontic insurance forms cannot yet be submitted electronically; however, some plan members are eligible for electronic submission of monthly payment receipts. You may contact your insurance company to find out if you are eligible. You can mail or fax your insurance form immediately with copies of your receipts for the consult and records appointments. As you make payments, you can forward copies of your receipts to your insurance company. The insurance form is only valid for 6 months, so if you are waiting to submit your form and receipts, please keep this in mind.

While orthodontists do not accept direct payment from your insurance company, we will gladly assist you in making your claims. Insurance payments will be paid to you directly from your insurance carrier after they have received a receipt.

Please do not hesitate to contact us if you have any further questions or concerns. We are more than happy to help!