Financing & Insurance

We prioritize providing you with top-notch orthodontic treatment at an affordable price.

At Todd Harmon Orthodontics, we understand the importance of making orthodontic care accessible to you and your family. That’s why we offer flexible payment options that are designed to accommodate your financial needs. With our flexible financing, achieving a healthy and beautiful smile for you or your loved ones becomes easy and stress-free.

Payment options to fit your budget

We understand the significance of a lifelong smile and have streamlined the process to ensure you receive the finest orthodontic care with the utmost convenience. Our offerings include:

  • Flexible down payment options
  • 0% in-house financing
  • Pay in full courtesies
  • Multi-family member courtesies
  • Extended payment plans
  • Low monthly payment options
  • HSA and FSA payments accepted
  • We accept most major credit cards

Your orthodontic treatment fee includes:

  • Records and all required X-rays
  • All appliances
  • All orthodontic visits including emergencies
  • One set of retainers
  • Follow-up retention visits
Schedule consultation

Insurance

You’ll benefit from reduced personal costs if your insurance covers orthodontic treatment. Many insurance policies have a lifetime orthodontic benefit distinct from regular dental insurance.
Remember that insurance policies vary, and we will review your insurance to determine the appropriate course of action. Once treatment has started, we will file your claims.

Total Treatment Fee – Insurance Benefit = Your Out-of-Pocket Cost

 

How Does Orthodontics Lifetime Maximum Work?

Many dental insurance plans include a lifetime orthodontic maximum which simply means there’s a total amount your insurance will pay toward orthodontic treatment over your lifetime. Unlike regular dental benefits that renew each year, orthodontic benefits usually have a one-time cap. Once that amount is used, it doesn’t reset.

Every plan is a little different, and benefits may have already been partially used if you’ve had treatment before. The good news? We will take care of the details for you. Our team will verify your benefits, explain exactly how your lifetime maximum applies, and review flexible payment options so there are no surprises.

Insurance providers

Here are a few Insurance Provider we work with. If you have questions, please call us directly at (281) 313-2424

  • Aetna

  • AFLAC

  • Ameritas Life Insurance Corp

  • Anthem (Blue Cross Blue Shield)

  • Blue Cross Blue Shield

  • Blue Cross Blue Shield Federal Employee Program

  • Boon Chapman

  • Cigna

  • Delta Dental (PPO/DPO/Premier)

  • Dominion Dental

  • Equitable Financial Life Insurance

  • Freedom Life

  • GEHA

  • Guardian

  • Humana

  • Lincoln Financial

  • MetLife

  • Principal

  • Renaissance

  • SunLife

  • TeamCare

  • United Health Care (UHC)

  • United Medical Resources (UMR)

  • United Concordia

Orthodontic Insurance FAQs

Orthodontic insurance works differently than regular dental benefits, and it often raises important questions. We’ve outlined the most common answers below so you can feel confident about what to expect before treatment begins.