Financing & Insurance

At Lazzara Orthodontics, we work with you to maximize your insurance benefits and offer convenient financing solutions. Our team handles the complex insurance process for you, ensuring you receive the most value from your coverage while minimizing your out-of-pocket expenses. We believe everyone deserves access to quality orthodontic treatment regardless of their financial situation.

Understanding Your Insurance Benefits

Navigating orthodontic insurance coverage can feel complicated, but our experienced team simplifies the process for you. We are in-network with most major insurance providers, which typically means lower costs and streamlined benefits processing for our patients.

In-Network Insurance Providers

We currently accept and are in-network with these major insurance plans:

• BCBS (Blue Cross Blue Shield)
• Cigna
• Delta Dental
• Guardian
• Humana
• MetLife
• United Concordia
• United Healthcare

Being in-network means we have pre-negotiated rates with these insurance companies, often resulting in significant savings for you. Your insurance benefits may cover a percentage of treatment costs, reducing your financial responsibility considerably.

Specialty and Union Plans

We also work with several union plans to serve our community’s diverse workforce. These specialty insurance programs include National Elevator Industry and Patrolman’s Benevolent Association plans. We have successfully treated patients with retired firefighter and NYPD insurance plans, though these cases represent a smaller portion of our patient base.

Even if your insurance provider is not in our in-network list, we still work diligently on your behalf. We process benefits for all PPO providers and quickly file claims to ensure you receive maximum savings possible. Our team verifies your coverage details before treatment begins, providing you with a clear understanding of your benefits and estimated costs.

This proactive approach means fewer surprises and more predictable treatment expenses. We handle the paperwork, communicate directly with your insurance company, and keep you informed throughout the process. You can focus on your treatment journey while we manage the administrative details.

Flexible Financing Solutions

Quality orthodontic care should fit comfortably within your budget. Our flexible financing options are designed to make Invisalign, traditional braces, and other treatments accessible to families throughout the Jacksonville Beach and Nocatee areas.

We primarily offer in-house financing because it provides the most favorable terms for our patients. Our monthly payment plans come with no interest charges, allowing you to spread treatment costs over the duration of your care without additional financial burden. This approach often saves patients money compared to traditional financing options.

Down payment requirements are remarkably affordable, starting as low as $400. For many patients with insurance coverage, no down payment is required at all. This policy ensures that financial constraints don’t delay necessary treatment, particularly for growing children who benefit most from timely orthodontic intervention.

While we offer Care Credit as a third-party financing option, our in-house plans typically provide better value for patients. Care Credit may be appropriate in specific situations, but we review all options with you to determine the most beneficial approach for your unique circumstances.

Our financing coordinators work personally with each family to create payment plans that align with your budget and treatment timeline. Whether you’re considering adult braces or planning early treatment for your child, we develop solutions that make orthodontic care achievable.

Making Treatment Affordable for Every Family

Financial accessibility remains a cornerstone of our practice philosophy. We understand that orthodontic needs don’t wait for perfect financial timing, which is why we’ve structured our payment options to accommodate various family situations and budgets.

Treatment cost estimates are provided upfront, with no hidden fees or unexpected charges. Our team explains all costs clearly before treatment begins, ensuring you can make informed decisions about your care. This transparency extends to insurance processing, where we provide detailed explanations of coverage and benefits.

For families with multiple children requiring treatment, we may be able to offer additional accommodations to help manage costs across multiple treatment plans. Our goal is ensuring every family member receives the care they need without creating financial stress.

The value of orthodontic treatment extends far beyond the immediate results. Properly aligned teeth are easier to clean, reducing long-term dental health issues and associated costs. The confidence boost from a beautiful smile provides social and professional benefits that last a lifetime.

Choose Lazzara Orthodontics for Comprehensive Care

Dr. John Lazzara and Dr. Amy Poblenz bring exceptional qualifications and decades of combined experience to every treatment plan. Dr. Lazzara earned his Doctor of Dental Surgery degree at LSU School of Dentistry in 1996, followed by a 30-month residency program in orthodontics at the Center for Advanced Dental Education at St. Louis University, where he also earned his Master of Science degree.

Dr. Amy Poblenz enhances our practice with her comprehensive orthodontic training and patient-centered approach. Like Dr. Lazzara, she completed extensive additional training beyond dental school, totaling 2-3 years of focused orthodontic education. Both doctors maintain active memberships in the American Association of Orthodontists, the American Dental Association, and the Florida Dental Association.

Our Jacksonville Beach office serves residents from Jacksonville Beach, Neptune Beach, and Atlantic Beach, while our Nocatee location provides convenient access for Ponte Vedra Beach families. Virtual consultations are available for both locations, making it easier to begin your smile journey from home. Ready to explore your insurance benefits and financing options? Contact our team today to schedule your consultation and discover how we can make your perfect smile affordable.