INSURANCE & FINANCING
Straightforward answers on what treatment will cost.
We work with most major insurance plans and file your claims for you, so you get the benefits you are owed without the paperwork. For the rest, we offer flexible monthly payment options that fit real family budgets. We will go through all of it with you at your free assessment, with no surprises and no pressure.
WHATEVER YOUR SITUATION
Three Starting Points, One Easy Conversation
Every family comes to us from a different place with insurance, and that’s completely fine. Wherever you’re starting from, the path forward is simple. Find your situation below, and know that we will sort out the details together at your free VO Smile Assessment.
I have dental insurance
Great. We work with most major plans and file your claims for you, so you actually use the orthodontic benefits you are paying for. At your assessment, we will check your specific coverage and show you what it means for your out-of-pocket cost, before you decide anything.
I don't have insurance
No problem, and you are far from alone. Plenty of our families pay without orthodontic coverage. We offer flexible monthly payment options designed around real budgets, so treatment stays manageable and the cost is clear from the start.
I'm not sure what I have
That’s one of the most common things we hear, and it is the easiest to solve. Bring what you have and we will do the digging. We will find out exactly what your plan covers, explain it in plain terms, and lay out your options. You don’t need to have it figured out before you come in.
Payment Options
Three ways to pay, all designed for real families
Interest-Free In-House Financing
Most Popular
The option most VO families choose. You make a down payment, then split the remaining balance into zero-interest monthly payments. No third-party lender, no credit check obstacle course, no compounding interest. We’re the lender, you’re the patient, and the numbers don’t change.
Pay-in-Full Discount
If you’d rather settle the total upfront, we offer a discount for single-payment treatment plans. The discount comes off the total, no fine print. Many families use HSA or FSA dollars for this option.
Insurance Filing
We file with most major dental insurance plans, in-network or out-of-network. You bring your card, we verify your benefits, and we submit claims on your behalf. You only pay your portion.
REAL FAMILIES, REAL RESULTS
The proof is in the smiles
Ready to see what's possible?
Your free VO Smile Assessment includes a 3D scan, and a custom treatment plan from Dr. Varble. No pressure, no commitment.
