Advanced Orthodontics Bellevue accepts most PPO dental insurance plans. While we are not in-network, we file your insurance claims for you and accept assignment of benefits when your plan allows, so your orthodontic coverage is applied to your treatment. You can also use HSA and FSA funds toward braces or Invisalign®.

Understanding your orthodontic benefits should not be stressful. At Advanced Orthodontics Bellevue, our team helps you make the most of your insurance so you can focus on your smile, not the paperwork. Many families are surprised to learn that they can still use their dental insurance with an out-of-network orthodontist, often with little or no difference in what they pay. Below, we explain how orthodontic insurance works, how we handle claims for you, and the other ways you can lower your out-of-pocket cost here on the Eastside.

Do You Take My Insurance?

In most cases, yes. We accept most PPO dental insurance plans. While our office is not in-network with dental plans, that does not mean your benefits go to waste. Many PPO plans pay the same orthodontic benefit whether or not your provider is in-network, so you are free to choose the orthodontist you trust. At your free first visit, our team will review your specific plan and give you a clear estimate of your coverage before you commit to anything.

How We Handle Your Insurance Claims

We make using your benefits simple:

• We file your claims for you. You do not have to chase paperwork. Our team submits your orthodontic claims directly to your insurance company.
• We accept assignment of benefits when allowed. When your plan permits it, your insurance payment comes to our office and is applied to your treatment, so you only handle your share.
• We give you a clear estimate up front. Before treatment begins, we will walk you through your estimated benefit, your remaining balance, and your monthly payment.

What “Out-of-Network” Really Means for You

Out-of-network sounds like it should cost more, but for orthodontics it often does not. Orthodontic coverage usually works as a lifetime benefit, a set dollar amount your plan pays toward braces or Invisalign regardless of which orthodontist you choose. Because that benefit is typically a flat amount rather than a network-based discount, you can usually apply it here in full. Our team will confirm exactly how your plan works before you decide.

Understanding Your Orthodontic Benefits

A few terms help you understand what your plan will pay:

• Lifetime orthodontic maximum: the total dollar amount your plan pays toward orthodontic treatment over your lifetime, often separate from your regular dental maximum.
• Coverage percentage: many plans cover a percentage of orthodontic treatment, up to the lifetime maximum.
• Age limits: some plans only cover orthodontics for children and teens, while others include adults. We will check this for you.
• Waiting periods: a few plans require you to be enrolled for a set time before orthodontic benefits begin.

Bring your insurance card to your first visit and we will handle the rest.

HSA, FSA, and Other Ways to Save

Insurance is not the only way to make treatment affordable:

• HSA and FSA funds: you can use Health Savings Account or Flexible Spending Account dollars toward braces or Invisalign, often with pre-tax savings.
• 0% in-house financing: spread your remaining balance over low monthly payments with no interest.
• Discounts: ask about our full-payment and multi-family-member discounts.

See our easy financing page for full details on payment plans and what your treatment fee includes.

Let Us Check Your Benefits

Not sure what your plan covers? Let us do the work. Call (425) 747-9494 or request your free consultation online, and bring your insurance card. We will verify your orthodontic benefits and give you a clear, no-pressure estimate. Advanced Orthodontics Bellevue is on NE Bel-Red Road, just minutes from Crossroads and Overlake, serving Bellevue, Kirkland, Redmond, Sammamish, and Mercer Island.