Dr. David C. Schaefer

We will do everything we can to help you maximize your insurance benefits. We ask that you keep several important facts in mind:

Your insurance is a for-profit organization. Your insurance is a contract between you, your employer, and your dental insurance carrier. We are not included in determining what procedures are to be given coverage, when the benefit is paid out, or to what extent orthodontic treatment is covered. Therefore, we cannot begin any of our treatments contigent on what an insurance company will or will not pay. If your insurance company refuses to pay the amount of entitlement, then the responsible party will be asked to pay the fee.

We do not work for the insurance companies but rather solely for you. Recommendations are based on what our expertise tells us is best for you. Not what your insurance company covers. Normally, if you have an orthodontic benefit, you can count on your insurance company paying approximately 20-35% of the total fee. The insurance company will determine the time frame in which they pay and we have no control over that.

We feel strongly that we provide a very important quality service to our patients. We expect to be paid for our quality service when we deliver the service. When we begin treatment, we will make financial arrangements with you. We believe that you will be pleased to receive the care that is state of the art and does not compromise quality care. Quality orthodontic care is expensive and we will strive to design a financial plan that works for you and your budget.