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Insurance and Financial Information

At Garrison Orthodontics, we believe every family in West Orange deserves access to a confident, healthy smile. Our team works with most major insurance plans and offers flexible payment options so getting started is simple and stress-free.

Insurance & Financing

We Work With Your Insurance

At Garrison Orthodontics, we accept most major dental and orthodontic insurance plans and work hard to maximize your benefits. We know insurance can feel overwhelming, so our team handles the details so you can focus on your smile.

Before your first visit, we verify your coverage and walk you through a clear cost estimate. We submit all claims on your behalf and are always available to answer questions about your benefits or out-of-pocket responsibility.

  • Most major PPO and orthodontic plans accepted
  • Benefits verified before your appointment
  • We file all insurance claims on your behalf
  • Transparent cost estimates with no surprises
  • Flexible payment plans available for every budget

Not Sure If We Accept Your Plan?

Give us a call and our team will check your coverage right away. We will explain exactly what your plan covers, walk you through your estimated out-of-pocket costs, and make sure you feel confident before your first visit.

Even if your plan is out-of-network, you may still have benefits that apply. We will explore every option to help make your treatment as affordable as possible.

Call (862) 451-8117
Accepted Insurance

Insurance Plans We Accept

We are in-network with many major dental and orthodontic insurance providers and will work with your plan to help maximize your benefits. If your plan is not listed, contact us to learn about your out-of-network options.

Delta Dental
Cigna
Aetna
MetLife
United Healthcare
Guardian
BlueCross BlueShield
Humana
Principal
Sun Life
Ameritas
GEHA

Don't see your plan? Contact us - we may still be able to help.

Flexible Financing

Orthodontic Care That Fits Your Budget

At Garrison Orthodontics, we believe every patient deserves a confident smile regardless of their financial situation. We offer flexible payment options and third-party financing so the cost of treatment never has to hold you back.

Whether you are starting Invisalign, clear braces, or traditional metal braces, our team will walk you through every available option and help you choose a plan that works for your family.

  • Low monthly payment plans available for all treatment types
  • Most major insurance plans accepted and verified by our team
  • Free cost estimate provided at your initial consultation
  • No hidden fees and no penalty for early payoff

Third-Party Financing

We partner with trusted financing providers like CareCredit and LendingClub to give you access to flexible payment plans with low interest rates, promotional periods, and clear terms.

Applying takes just a few minutes and many patients receive an instant decision. Our front desk team at our West Orange office is happy to help you apply in person, or you can apply online at your convenience before your visit.

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Financial Policies

Our Payment Policies

At Garrison Orthodontics, we believe financial concerns should never stand between you and a confident smile. Here is everything you need to know about how we handle payments, insurance, and billing so you can focus on your treatment.

Payment Due at Time of Service

Patient portions and co-pays are collected at the time of your visit. We accept cash, personal checks, and all major credit and debit cards including Visa, MasterCard, American Express, and Discover.

We also accept Health Savings Account (HSA) and Flexible Spending Account (FSA) cards. Our team is happy to walk you through your options before your appointment so there are no surprises.

Insurance Claims

We submit insurance claims on your behalf and work with most major dental insurance providers. The coverage estimate we provide is based on information from your insurer and is not a guarantee of payment.

If the actual reimbursement differs from the estimate, any remaining balance becomes the patient's responsibility. We will notify you promptly and clearly of any adjustments so you are never caught off guard.

Questions About Your Bill

If you have questions about a charge or need help understanding your statement, our team is here for you. We are committed to full transparency and will take the time to explain every detail.

For patients with outstanding balances, we are glad to discuss a payment plan that fits your budget. Reach out to our West Orange office at (862) 451-8117 and we will find a schedule that works for you.

Financial Hardship

Dr. Copeland knows firsthand what it means to need care and worry about the cost. If finances are a concern, please talk to our team. We are committed to finding a path forward so that cost never keeps you or your family from getting the smile you deserve.