Financial and Insurance

11.jpgOrthodontic treatment is an excellent investment in the overall dental, medical, and psychological well-being of children and adults. Financial consideration should not be an obstacle to obtaining this important health service.

It is our mission to provide affordable, high-quality treatment that fits your family budget! We offer a variety of payment options to meet your needs. For the convenience of our patients we accept cash, cheques, Visa and MasterCard. We will thoroughly explain your financial options so that we can accommodate your needs.

Our office offers two payment options for all our patients. The first payment option is a zero percent interest, in-house payment plan with an initial payment collected on the day braces are placed. This is followed by pre-authorized monthly payments in order to pay the remaining balance. No taxes or HST are added to these fees.

The second payment option involves a bookkeeping courtesy of 3% when paying by cash, cheque or debit, or 2% when paying by credit card, for payment in full on the day the braces are delivered.

Our office extends a two hundred dollar courtesy to those patients with multiple family members undergoing treatment.

Our fees will include all appliances (braces), and the progress visits required to complete the planned treatment in our office. It also includes the initial set of retainers and retainer adjustments for 12 months following active orthodontic treatment. Our fees do not include any dental treatment performed outside this office, or any lost and/or broken retainers.


  1. Orthodontic insurance coverage is not the same as general dental insurance coverage. Contact your insurance representative to determine whether or not you have orthodontic coverage.
  2. If you do have orthodontic coverage, we will submit a Pre Determination form to your insurance carrier.
  3. Your insurance carrier will advise you directly, in writing, as to coverage and benefits once the Pre Determination form is submitted.
  4. All initial and monthly payments are made directly to Stratford Orthodontics. Upon payment you will receive a receipt, which you will attach to one of your group insurance forms. You must fill out the PATIENT IDENTIFICATION section with your group number and policy number.
  5. Submit the completed insurance form with receipt for reimbursement from your carrier.
  6. No dental codes are required for any orthodontic claim submissions.
  7. In a situation where there are multiple insurance plans with orthodontic coverage, the person with the birth date earlier in the calendar year is considered the primary (or first) subscriber. 
  8. We do not accept payment from the insurance carrier directly to our office.

To help us with your insurance forms, please complete the insurance portion on our questionnaire. We will send a Pre Determination to your insurance provider after the Final Consultation appointment to verify your insurance benefits.

Please remember that orthodontic insurance is a benefit for you or your child. If, during the course of treatment, your benefits change, the financially responsible party is accountable for all charges.