For many people, orthodontic treatment is on their New Year’s resolutions list. If you happen to be in the Hinsdale region, Hinsdale Orthodontics & Pediatric Dentistry might just be your next stop! We will discuss how insurance plans can make orthodontics affordable for you in 2025.
Understanding Your Benefits
Orthodontic insurance is usually completely separate from regular dental insurance and has a few special conditions. Of course, the primary purpose of orthodontic insurance is to reduce the cost of your treatment, but we want you to have a clear idea of how the process works and what it covers.
- Initial Consultations: Most plans cover at least a portion of your first consultation, including diagnostic evaluations like X-rays and digital imaging.
- Braces: Traditional metal and clear braces are often partially covered for children and adults, though this depends on the plan.
- Clear Aligners: Many orthodontic insurance providers now include clear aligner treatments like Invisalign or Spark, though the level of coverage varies by plan.
- Retainers: Retainers are the main component of ongoing treatment and are typically covered, too.
In terms of some of those conditions we mentioned earlier, you will likely run into the following or be provided with these options as you use your benefits:
- Lifetime Maximums: Orthodontic insurance usually offers a one-time lifetime maximum benefit per individual, unlike the annual limits of general dental insurance. This may be the most vital piece of information to be aware of before you begin treatment, as it’s the total amount that the provider is willing to contribute from start to finish.
- Installment Plans: Benefits are usually paid out in installments over the course of your treatment rather than in a single payment—though you do also have the option to pay upfront if you find that to be more convenient for you.
- Age Restrictions: Depending on the patient seeking treatment, several plans may have age limitations for coverage, so we’ll want to verify these details early. Again, children are usually more likely to be covered than adults.
- Combined Coverage: If you have two insurance plans, combining benefits can help reduce costs further. Our team will help you figure out if any limitations still apply between the two.
A Simpler Approach
It’s perfectly normal to be hesitant to jump into insurance discussions—which is why our team works hard to keep the process as easy for you as possible and communicate on your behalf.
- Insurance Questionnaire: We encourage all patients to complete our orthodontic Insurance Information form before their first appointment.
- Insurance Verification: Before treatment begins, we verify your insurance coverage and provide a clear explanation of what’s included in your plan.
- Filing Claims: Our team administers all claims to your insurance provider to minimize stress and save time.
- Maximizing Benefits: We’ll work closely with you to determine if you’re utilizing your benefits to their fullest potential—even if you aren’t in-network with us. This can still help cut down your out-of-pocket costs
For your reference, our in-network insurance companies include:
- Delta Dental
- Principal
- Aetna
- Guardian
- Humana
- Sunlife

Flexible Financing
At Hinsdale Orthodontics & Pediatric Dentistry, we understand that affordability is at the top of many patients’ minds and families—and we never want that to prevent you from achieving the smile of your dreams. Even if you don’t have insurance, we will do our best to create an ideal payment plan just for you.
We have a few additional ways to make financing your treatment more comprehensive and less worrisome:
- Customized Payment Plans: We offer interest-free, in-house financing tailored to the complexity and duration of each individual’s treatment. To help ease the financial burden, we can spread your payments over time.
- Third-Party Financing: For further flexibility, we partner with CareCredit to help you pay in the way that works best for you.
- Upfront Savings: As a token of our appreciation, patients who pay their full treatment cost upfront will also receive a discount!
- Family Discounts: Families with multiple members undergoing treatment with Dr. Blair or Dr. Riccio during the same period of time are eligible for special discounts.
- Credit Card Options: For added convenience, we accept Visa, MasterCard, American Express, and Discover—so you likely don’t have to worry about being denied based on your card company.

The Hinsdale Difference
The families in communities we serve are so deeply important to us—and we assure you that you won’t feel like just another number under our care. Whether you’re a native of Hinsdale, La Grange, Western Springs, or Clarendon Hills—or you just got here—we look forward to sharing this experience with you!