Reminder: HSAs and FSAs Can Help Pay for Orthodontics

Get the most out of your health savings or flexible spending account

As the year winds down, it’s crucial to evaluate your finances, particularly the funds held within your Health Savings Account (HSA) or Flexible Spending Account (FSA). These accounts are valuable tools for managing out-of-pocket healthcare expenses, offering significant tax advantages. Yet, they also have restrictions, most notably the “use it or lose it” policy for FSAs. This stipulation means that unspent funds may be forfeited at the year’s end, though many FSAs offer a grace period extending into mid-March of the following year. This article explores how these accounts can be optimally utilized for orthodontic care, ensuring your investments contribute to both your health and financial wellbeing.

Understanding HSAs and FSAs

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) differ not only in structure but in application. HSAs are companion accounts to high-deductible health plans (HDHPs), allowing you to set aside pre-tax income for future medical expenses. Contributions roll over annually, offering continuous savings potential. FSAs, typically employer-sponsored, provide similar tax benefits but with annual forfeiture of unspent funds, save for a possible grace period or limited carryover options.

Orthodontics: A Smart Investment for Your HSA/FSA

Orthodontic treatment is often an investment. Utilizing an HSA or FSA can alleviate the financial burden by covering costs related to braces, Invisalign, retainers, and other necessary procedures. November is the perfect time to use the rest of your money to invest in a healthy smile.

At Adirondack Orthodontics, we can help you put those dollars to work. Here are a few spending options:

Clear Your Balance

Paying off outstanding balances reduces financial stress and frees both your mind and finances for the upcoming year. Any amount in your FSA or HSA can contribute to settling these balances, easing your financial commitments.

Enhance & Protect Your Smile

Once orthodontic treatment concludes, maintaining results is paramount. Investing in our Smile Protection Plan safeguards your orthodontic investment, providing you with the whitening kits and retainers you need to keep your smile white and bright.

Buy a New Invisalign Case

Whether your current Invisalign case is old and worn out or you simply want one that better reflects your style, you can use your FSA/HSA towards this purchase.

Act Quickly – Call Us Today!

Now is the perfect time to ensure you make the most of your FSA/HSA before you can no longer use it. The team at Adirondack Orthodontics can help you put your money to work, no matter your orthodontic goals. Contact us online if you’d like to schedule an appointment or utilize any of the above options. We look forward to helping you access the orthodontic services you need at a price you can afford!

---

5 Tips to Save with Affordable Orthodontic Treatment Options

Save and smile all year round

As a current or prospective patient of Adirondack Orthodontics, you likely need orthodontic treatment for your dental health. Treatment will improve your life in many ways, but we know the average person needs to budget for it. If you plan on starting treatment soon, let us make it easier for you. Check out these ways you can save on our services this year!

1. Participating Insurance

At Adirondack Orthodontics, we participate with most major insurers and have negotiated treatment fees with them to ensure your insurance pays for a portion of your treatment. Plus, we will work with you and your insurance company to handle paperwork, verify benefits and claims, and help you understand how to use your FSA or HSA.

Simply put, we make it easy for you to get the most out of your insurance benefits and afford the orthodontic treatment you need! We recommend filling out our form at the link above or giving us a call to learn what your insurance plan is likely to cover.

2. FSA/HSA

An FSA or HSA can help you put pre-tax dollars aside for your treatment. Most FSA accounts are “use it or lose it,” so you should be sure to use your FSA funds during the plan year. FSAs can typically be used for any of the following for yourself and your dependents:

• Orthodontic Treatment
• Prescriptions
• Office Visits
• Dental Office Procedures

If you or someone in your family needs orthodontic work, the end of the year is an optimal time to start treatment. You’ll know how much is left in your FSA and be able to structure payments to ensure you don’t lose the money in the account.

3. Special Offers & Discounts

At Adirondack Orthodontics, we’re always searching for ways to better serve our community. That’s why we have a range of exclusive offers and discounts for teachers, military service members, first responders, and more. We even have a multi-family discount for families with multiple people undergoing treatment! We encourage you to browse our offers page to see our current discounts.

4. Zero-Interest Financing

You shouldn’t have to pay an arm and a leg for treatment! We can help you get zero-interest financing that will help you access the smile of your dreams at a price you can afford.

5. Call to Discuss a Flexible Payment Plan!

Last but not least, we aim to be as flexible as possible with payment plan options. We understand that everyone has a different budget, so we provide numerous financing options and flexible payment plans to ensure you can pay at a pace that works for you. We can sit down with you and help you create a plan that suits your budget. Even better, our online payment system makes it easy to send payments at your convenience.

We hope you can see just how financially affordable orthodontic services are at Adirondack Orthodontics. If you’re worried you won’t be able to access treatment, think again!

With convenient locations in Albany, Glens Falls, Clifton Park, Latham, East Greenbush, and Schenectady, Adirondack Orthodontics is your trusted orthodontic specialist in New York’s Capital Region. Contact us today to discuss offers, insurance, financing, and payment plans with one of our friendly team members.

---

Make Plans for Your Tax Return

Invest in Your Smile

Tax season doesn’t always bring smiles in the process, but investing your return in something that truly makes a difference can! The season is fast approaching and that return provides relief knowing you can plan for something you’ve desired: a straight, beautiful smile! The team at Adirondack Orthodontics wants you to know about the multitude of benefits we have to offer. Combined with our easy payment options, family discounts, and other ways to save, your tax return dollars can help you save on the orthodontic services you need. It’s the season of getting the smile you have always wanted!

Discounts

Here’s one helpful way to save: take advantage of our PIF discounts! Even better, that’s just one of the many discounts we offer. We want to support you in the essential role you play in our community. If you are a first responder, teacher, or military service member, you may be able to take advantage of one of our additional discounts! Check out our Offers page and see if you qualify for one of these saving opportunities.

Custom Payment Plans

Prefer an interest-free payment plan? We’re always willing to work out a payment plan to make sure you can afford the orthodontic services you need. Plus, we can provide auto-pay and third-party options to make your payments as convenient as possible. We work with most insurance plans and can even help you understand how to best maximize your insurance to get the braces or clear aligners necessary for your smile journey. Using your tax return as a down payment is a great way to start your smile journey.

Get started with orthodontic treatment today

Don’t wait any longer to get started on your path to a more confident, healthy you. Adirondack Orthodontics has convenient locations in Clifton Park, Glens Falls, Latham, East Greenbush, Schenectady, and Albany to make the process of getting started and completing treatment a breeze. Schedule a free consultation and let our Treatment Coordinators help you plan your savings! After assessing your smile, we can tell you about the treatments that will give you the smile of your dreams and assist you with saving while making your smile dreams come true!

Put your tax return dollars to work for you this year, schedule your free consultation with Adirondack Orthodontics!

---

Use a Participating Provider for a Beautiful and Affordable Smile

The benefits of a participating provider

Want a smile that’s both beautiful and affordable? Your best choice is to work with a participating provider. At Adirondack Orthodontics, we are proud to be the only practice that participates with nearly every insurer in the Capital Region. But what exactly does that mean?

Reduced Out-of-Pocket Costs

Being a participating provider involves pre-negotiating fees with insurance companies and agreeing to adhere to those rates. As a result, your out-of-pocket costs are greatly reduced – depending on the plan, you may not have any – so your treatment is more affordable.

Streamlined Insurance Process

Moreover, we shoulder the burden of dealing with your insurance provider throughout the course of your treatment. From collecting payments to handling paperwork and filing claims, we handle it all. For you, that means no paperwork, no claims to file, no phone calls to make, so you can concentrate on achieving the beautiful smile you’ve always wanted.

What it’s like working with an accepting provider

There’s a huge difference from working with an accepting provider – one who accepts your insurance but does not participate with the insurer. Not only will you pay more out of pocket – since the insurance company does not cover the entire cost of service – you also have to pay up front and then wait to be reimbursed by the insurance company. And we all know how long that can take!

Choose us for affordable, convenient orthodontic treatment

At Adirondack Orthodontics, our commitment to providing caring, personalized service to our patients goes beyond the orthodontic treatment. We strive to make the entire process both affordable and stress-free, and as a participating provider, we have done just that for thousands of Capital Region families.

Call us today for a free consultation. We’d love to show you the power of working with a participating provider!

---