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Financial & Insurance


We believe that every patient deserves a beautiful smile, and we will make every effort to make treatment affordable. We offer flexible, interest-free financing, extended 3rd party financing and options with no down payment. We also offer a multiple family member discount.

We are now offering OrthoFi!

We accept Visa, MasterCard, Discover, and American Express. We can arrange for automatic payment from your credit card or bank account.

Credit Card Logos Old Bridge Orthodontics Livingston NJ


There are many different agreements between insurance carriers and their subscribers, and each contract provides a different benefit. However, orthodontic insurance generally differs from regular dental insurance in that each insured individual usually has a lifetime maximum benefit for orthodontic services. This benefit is paid as a percentage of the orthodontic fee (diagnostic records, initial fee, monthly payments, etc.) until the benefit maximum has been reached. Charges for lost or broken appliances may not be covered by insurance.

We will assist you in filing the necessary paperwork for your insurance carrier. We are also happy to file your claim. Old Bridge Orthodontics will accept payment from your dental insurance and will work with you on payment for any remaining balance.

It is always helpful to know what your benefits are before treatment starts. If you are unsure of your benefits, please contact your insurance company so you know exactly how much you can expect to be paid and when to expect payment. If desired, we will submit a pre-treatment claim for determination of benefits for you. If you would like our office to submit claim forms prior to treatment, we ask that you please provide us with the name, address, and telephone number of your insurance carrier as well as the appropriate forms. Please complete the insured or employee portion of your form and sign where indicated. We cannot render services on the assumption our charges will be paid by an insurance carrier. For your convenience, we will accept payments from your insurance company assigned to us by the insured. Such payments will be credited accordingly to your account. If your company requires verification of continuing treatment, you may send them a copy of your cancelled checks or cash receipts. If your insurance carrier provides a form for verification of continuing treatment, we will be glad to complete the signature portion.