Generally, the total fee is less because the insurance company has negotiated fees with their participating providers on your behalf. We deal with insurance claims vs a provider that accepts your benefits. One that accepts your benefits will quote you their own orthodontic treatment fee and, in most cases, have you file the claims directly with the insurance company. Not only do we file the claims, but we also deal with any issues that may come up, which can be a complex process that is extremely frustrating to the patient. Insurance companies are notoriously difficult to deal with and it is important to work with someone who knows the ins and outs of helping you maximize your benefits. Our insurance specialists will verify all of your insurance benefits, file all the claims, address any insurance issues, and in the case of dual insurance coverage, work with BOTH insurance companies to help coordinate your benefits and ensure that you get as much covered as possible.