• What are the benefits of choosing a participating provider?
  • What happens if you do not participate with my insurance plan?
  • What happens if I have no insurance?
  • Can we use our HSA/FSA?
  • What about the portion of treatment that is not covered by the insurance company?
What are the benefits of choosing a participating provider?

Selection of a participating provider offers some distinct advantages to the patient:

  • The overall treatment cost is reduced because the insurance company has negotiated fees with their providers on your behalf
  • As participating providers we deal with insurances companies directly on behalf of the patient. This means that we are responsible for filing all claims and resolving any issues which arise.
  • By the time you come to your first appointment, we will have obtained all the pertinent information relating to your orthodontic benefits.
What happens if you do not participate with my insurance plan?

We will still file claims and deal with the insurance agency on your behalf. You are still entitled to all the same benefits you would be under a participating provider.

What happens if I have no insurance?

In the ever-changing insurance world, we frequently run into patients who do not have any orthodontic benefits.

We will present you with several payment options, all of which are interest-free and tailored to your budget. We also offer paid-in-full discounts, multiple family member discounts, teacher discounts, and discounts to first responders and military members. In addition, we offer customized, in-house payment options, as well as third-party financing if necessary. Finally, our payment plan options include ones with no down payment, ones that spread out over the duration of your treatment, and even ones that extend past the duration of your treatment. Flexible payment options can also be combined with available discounts. We have no doubt that we will be able to work with you to arrive at a plan that works for your needs and your budget.

Can we use our HSA/FSA?

Yes, you can! Health savings accounts (or flexible savings accounts) are a benefit offered by employers using pre-tax dollars that can be put away and saved to pay for medical and dental expenses, such as orthodontic care. With some exceptions, the money set aside must be used by the end of each calendar year, or else it is lost. For this reason, determining the time factor of orthodontic treatment plays a large role in determining just how much money to put in the HSA/FSA. This point also shows the importance of seeing an orthodontist early to treat potential problems. Remember, a consultation does not mean that treatment is even needed at this time. But it is important to monitor growth and development of teeth. By having a routine observation schedule, we can anticipate any treatment which may be needed and advise parents as to when money should be put aside in their FSA accounts.

What about the portion of treatment that is not covered by the insurance company?

We offer interest-free, customized payment plans tailored to individual needs. In most cases, the treatment fee is broken down into monthly payments. Easy, predictable and hassle free.

We also offer third party financing, such as CareCredit, for those patients who wish to spread out their paying over a longer period of time.


Clifton Park Office
939 Route 146
Building 400, Suite 4
Clifton Park, NY 12065

Albany Office
1465 Western Ave
Albany, NY 12203

Latham Office
713 Troy-Schenectady Rd
Suite 127
Latham, NY 12110

Office Hours

Monday 10:00 - 6:00
Tuesday 10:00 - 6:00
Wednesday 10:00 - 6:00
Thursday 10:00 - 6:00
Friday 10:00 - 6:00
Saturday 10:00 - 2:00


Copyright by Clifton Park Orthodontics 2018. All rights reserved.