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Orthodontics & Pediatric Dentistry
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Dental Insurance & Orthodontic Financing

Insurance for braces and children’s dental care, plus third-party and in‑house financing.

5.0340+ Google reviews
Insurance Aetna, ASO/SIDS and 12 More
Claims Filed for You
Payments Monthly Plans
Consult Free for Ortho

Insurance plans we participate with

Orthodontic plans

Insurance coverage for braces, aligners and early treatment

Many plans pay a percentage of treatment, up to a lifetime orthodontic maximum; some pay up to 50 percent, and full coverage is uncommon. Some plans also cover adults in part.

  • Aetna DMO & PPO
  • ASO/SIDS
  • Cigna DHMO & PPO
  • Delta Dental Delta Care USA, PPO & Premier Guardian
  • EmblemHealth
  • Guardian DMO & PPO
  • Horizon Dental Choice & PPO
  • Horizon NJ Medicaid Family Care (Medicaid)
  • Liberty Dental plans Medicaid Aetna Better Health, Amerigroup, Fideliscare, Wellcare Medicaid
  • MetLife
  • Principal
  • Sele-Dent and local union dental insurance plans Plans that offer out-of-network benefits
  • United Concordia Tricare PPO & Advantage, including Tricare DOD Program
  • United Health Care PPO

Pediatric dental plans

Children’s dental insurance for exams, cleanings, sealants and fluoride

We accept multiple carriers, including those offering managed dental care. For braces or aligners, see the orthodontic list.

  • Aetna PPO & DMO (DMO only for children under age 7)
  • Cigna PPO
  • Delta Dental PPO
  • Guardian PPO
  • Horizon PPO
  • MetLife PPO
  • United Health Care PPO

Plan lists last updated: October 2026

Participation differs by plan type and specialty, and your insurer decides your benefits. Call with the exact plan name on your card and we will confirm them.

Printable list of plans (PDF) Call 973-706-8339

How we handle your insurance

  1. Share your plan details

    Your member card and the exact plan name. Call 973-706-8339 or fax 973-706-8340.

  2. We check your benefits

    Your orthodontic and dental benefits, before treatment starts.

  3. You get a clear estimate

    Your out‑of‑pocket share, set out in a detailed quote at your consultation.

  4. We file the claims

    We file insurance claims for you and help you make the most of your benefits.

Financing and monthly payment plans

Spread the cost

  • In-house payment plans

    Interest-free in-house plans divide the total cost into manageable monthly payments, tailored to your budget, for all orthodontic and aligner packages.

  • HSA and FSA

    Use pre-tax health savings or flexible spending funds for many dental and orthodontic services, from checkups to braces and aligners.

  • Third-party financing

    Third-party financing from more than one lender for extended payment terms. Based on credit approval, you may qualify for low or no-interest monthly plans.

Clear costs before you start

  • Complimentary consultations

    Orthodontic consultations are complimentary: the recommended treatment, its cost, your benefits and your options, explained.

  • A detailed quote

    At your consultation: the total cost, including fees for appointments, adjustments and appliances, so there are no surprises later.

  • Family pricing

    Special pricing when more than one family member is in orthodontic treatment, and bundled packages, such as aligners with retainers.

Insurance and payment FAQs

Paying with HSA or FSA funds

Eligible dental and orthodontic services

With an HSA or FSA through your employer or individual healthcare plan, you can use pre‑tax funds for eligible expenses such as:

  • Routine dental exams and cleanings
  • X‑rays and diagnostic services
  • Dental sealants and fluoride treatments
  • Orthodontic consultations
  • Braces (traditional, ceramic, or clear aligners like Invisalign®)
  • Retainers and follow‑up visits
  • Emergency dental treatments

FSA funds usually expire; HSA funds roll over

Most FSA funds expire at the end of your plan year, so use your balance before the deadline. HSA funds roll over year to year, which makes them a flexible long‑term option.

We apply it with you

Not sure a procedure qualifies, or how to use your benefits? We make sure your HSA or FSA is applied correctly and transparently.

Keep your receipts

Orthodontic payments may count toward medical deductions if you itemize. Keep every receipt and ask a tax professional.

Read more on cost, payment and tax

Insurance and payment FAQs

Which insurance plans do you participate with?

For orthodontics: Aetna, ASO/SIDS, Cigna, Delta Dental, EmblemHealth, Guardian, Horizon, MetLife, Principal, United Concordia and United Health Care PPO, plus Medicaid plans through Horizon NJ Family Care and Liberty Dental, the Tricare DOD Program, and Sele-Dent and local union dental plans that offer out-of-network benefits. For pediatric dentistry: Aetna, Cigna, Delta Dental, Guardian, Horizon, MetLife and United Health Care PPO plans, and Aetna DMO for children under age 7. Call with the exact plan name on your card and we will confirm your benefits.

Do orthodontic and dental benefits work differently?

Usually, yes. Many plans pay a percentage of orthodontic treatment, up to a lifetime orthodontic maximum, while children’s dental plans cover essential treatments such as cleanings, exams, sealants and fluoride. We check your benefits before treatment starts.

Does insurance cover Invisalign?

Often in part. Invisalign is sometimes partially covered by dental insurance, especially if your plan includes orthodontic benefits: some plans cover up to 50 percent of the treatment cost, with a maximum lifetime benefit. We check yours before treatment starts.

Do you accept Medicaid, NJ Family Care or Tricare?

For orthodontics, yes: Horizon NJ Family Care (Medicaid), Liberty Dental plans (Aetna Better Health, Amerigroup, Fideliscare, Wellcare Medicaid) and United Concordia, including the Tricare DOD Program. Call with your member card and we will check your benefits.

Do you submit the claim, or do I?

We do. We check your benefits before starting treatment, file insurance claims for you and give you a clear estimate of your out-of-pocket responsibility.

Do you offer monthly payment plans?

Yes. Our interest-free in-house payment plans divide the total cost into manageable monthly payments, for all orthodontic and aligner packages. We also offer third-party financing for extended terms: based on credit approval, you may qualify for low or no-interest monthly plans.

Can I use an HSA or FSA?

Yes. We accept HSA and FSA funds for many dental and orthodontic services, including exams and cleanings, X-rays, sealants and fluoride, orthodontic consultations, braces, Invisalign, retainers and emergency treatment. Most FSA funds expire at the end of your plan year, while HSA funds roll over year to year.

Is the consultation free?

Yes. We offer complimentary orthodontic consultations, where we explain your treatment options, the cost and your benefits before you commit.

Book an Appointment

Book Online Call 973-706-8339