Insurance & Financing

We know insurance can be confusing—especially for orthodontic treatment. Our team helps you understand your benefits and get the most value from your plan, whether you’re considering braces or clear aligners.

Benefits and coverage vary by plan and employer, so the fastest way to get a clear answer is to contact us. We’re happy to help you verify coverage and estimate any out-of-pocket costs before you begin treatment.

Plans We Commonly Work With

We can help patients use benefits from many insurance providers, including:

  • Aetna

  • MetLife

  • Humana

  • Delta Dental

  • GEHA

  • Guardian

  • Cigna

  • UnitedHealthcare

  • United Concordia

  • Solstice

  • TeamCare

  • Ameritas

  • Florida Blue (Blue Cross Blue Shield)

We also work with many HMO and PPO plans. If you don’t see your provider listed, please reach out—we may still be able to help.

Don’t see your plan? Call us and we’ll check for you.

How Orthodontic Insurance Usually Works

Orthodontic benefits are often different from regular dental coverage. Many plans include:

  • A lifetime orthodontic maximum (common)

  • Coverage that applies to children/teens and sometimes adults

  • A deductible and/or co-insurance

  • Treatment approval rules that can differ by plan

Even if your plan doesn’t cover orthodontics, we’ll walk you through flexible payment options so you can move forward with a plan that fits your budget.

What We’ll Do For You

When you contact us with your insurance details, we can:

  • Verify orthodontic benefits (when available)

  • Explain what your plan may cover for braces or clear aligners

  • Provide a clear estimate of expected out-of-pocket costs

  • Help you understand next steps and paperwork

Tip: Have your member ID (and the patient’s date of birth) ready for fastest verification.

Ready to Check Your Coverage??

Call our office and we’ll help you confirm benefits and next steps.

👉 Book Your Free Consultation Online
or call (561) 566-7896.

Flexible, Transparent, Family-Friendly Payment Options

At Westlake Orthodontics, we believe everyone deserves a confident, healthy smile—without worrying about finances. Whether you're considering braces, clear aligners, or teeth whitening, we’ll help you understand your options and find a payment plan that fits your budget.

We proudly serve families throughout Westlake, Royal Palm Beach, Loxahatchee, Wellington, and the greater Palm Beach County area.

Flexible Financing & Payment Plans

No insurance? No problem. We offer in-house, interest-free financing and third-party financing options to make treatment affordable for every family.

✔️ Our Flexible Payment Options Include:

  • Low or $0 Down Payment Options

  • Monthly Payment Plans tailored to your budget

  • In-House Financing with no credit check required

  • CareCredit® and other third-party financing partners

We’ll work with you to create a plan that makes sense—because we want you to focus on your smile, not your wallet.

HSA, FSA & Tax-Free Accounts

You can also use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to pay for orthodontic treatment. Our team can provide receipts or documentation as needed to help you get reimbursed or stay compliant.

No Hidden Fees, Ever

We believe in complete transparency. At your free consultation, we’ll explain every part of your treatment plan, including:

  • Total treatment cost

  • Insurance benefits and balance

  • Financing and payment options

  • What’s included (and what’s not)

There are no hidden fees, surprise add-ons, or pressure. Just clear, honest care from a board-certified orthodontist you can trust.

Serving Westlake & Surrounding Communities

We make it easy for patients in:

  • Westlake

  • Loxahatchee

  • The Acreage

  • Royal Palm Beach

  • Wellington

  • and all of Palm Beach County

…to get high-quality, affordable orthodontic care close to home.

Insurance & Orthodontic Benefits FAQs

Do you accept my insurance for braces or clear aligners?

We work with many plans and can help you verify orthodontic benefits. Coverage varies by plan, so contact us and we’ll help confirm what your insurance may cover.

What insurance plans do you commonly work with?

We commonly work with plans like Aetna, MetLife, Humana, Delta Dental, GEHA, Guardian, Cigna, UnitedHealthcare, United Concordia, Solstice, TeamCare, Ameritas, and Florida Blue (BCBS). If your plan isn’t listed, please call—there are many others we can often work with.

Do you take HMO and PPO plans?

We can help with many HMO and PPO plans. Because plan rules vary, we recommend contacting us so we can verify your specific benefits.

Will my insurance cover Invisalign or clear aligners?

Some plans cover clear aligners the same way they cover braces, while others have specific rules. We’ll help verify whether your plan includes orthodontic benefits for aligner treatment.

How much will I pay out of pocket?

Out-of-pocket costs depend on your plan’s orthodontic maximum, deductible, and co-insurance. Once we verify benefits (when available), we can provide an estimate and review payment options.

What information do you need to verify insurance?

Usually the subscriber name, member ID, and the patient’s date of birth are enough to start. We’ll tell you exactly what we need.

Contact us

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