Insurance & Financing at SPOCS Orthodontics

We accept most dental insurance plans and offer flexible payment options to make your smile — and your relief — as accessible as possible.

Orthodontic Treatment — Insurance & Payment Plans

SPOCS Orthodontics accepts most dental insurance plans that include orthodontic benefits. Our team will verify your coverage before treatment begins and submit claims to your insurance company as a courtesy — so you always know exactly what your out-of-pocket cost will be before you commit to anything.

Important: We submit claims to your insurance on your behalf as a courtesy. The financially responsible party remains responsible for the full contracted treatment amount regardless of insurance payment or denial. Any non-payment or denial by your insurance company does not affect your financial obligation to SPOCS Orthodontics.

We accept most PPO dental insurance plans with orthodontic benefits

We verify your coverage and explain your benefits before treatment begins

Claims are submitted on your behalf — you're never left to navigate insurance paperwork alone

FSA and HSA funds are accepted (Flexible Spending & Health Savings Accounts)

We do not accept HMO plans

We do not accept Florida Medicaid or CHIP

Flexible Payment Plans Through OrthoFi

For patients who want to spread the cost of treatment over time, SPOCS offers flexible payment plans through OrthoFi — our trusted orthodontic financing partner. OrthoFi automatically verifies your insurance benefits, applies them toward your balance, and files claims on your behalf — no paperwork, no guesswork, no chasing your insurance company. What you owe is presented clearly before treatment begins. From there, you choose a monthly payment plan that aligns with your treatment timeline and fits your budget.

$500

Low down payment to get started

$0

Paperwork on your end — OrthoFi files claims for you

24/7

Online account access through OrthoFi's patient portal

Three straightforward steps from first visit to getting started.

SPOCS Orthodontics accepts most dental insurance plans that include orthodontic benefits. Our team will verify your coverage before treatment begins and submit claims to your insurance company as a courtesy — so you always know exactly what your out-of-pocket cost will be before you commit to anything.

01

Book your complimentary consultation

Includes CEPH + PANO imaging at no charge. Dr. Mansour evaluates your smile and develops your personalized treatment plan.

02

Review your investment & benefits

Our team presents your treatment investment and explains your insurance benefits, out-of-pocket costs, and OrthoFi payment plan options — clearly and without pressure.

03

Choose your plan & get started

Choose your payment arrangement, complete your OrthoFi application if applicable, and get started. It’s that straightforward.

Ready to get started?

Book your complimentary consultation — includes CEPH + PANO imaging at no charge.

TMJ & Neuromodulator Therapy — Cash-Pay Program

The SPOCS Neuromodulator Therapy Program for TMJ jaw pain, bruxism, and chronic migraines is a cash-pay program. We do not bill dental or medical insurance on your behalf for these services. Payment is collected at the time of your appointment.

We understand that cash-pay can feel like a barrier — which is why we’ve worked to make the program as accessible as possible through transparent pricing, a complimentary follow-up visit included with every procedure, and prepaid maintenance plans that offer meaningful savings for patients who benefit from ongoing care.

Accepted Payment Methods

Credit Card

Visa, Mastercard, American Express, Discover

Debit Card

Direct from your bank account

Check

Personal or cashier's check

Cash

Paid at the time of your appointment

FSA

Flexible Spending Account — check with your administrator for eligibility

HSA

Health Savings Account — check with your administrator for eligibility

We'll Help You Submit to Your Insurance

Although we do not bill insurance directly for neuromodulator therapy, we recognize that some patients may have out-of-network medical benefits that could apply to their treatment. We want to help you make the most of your coverage. After your procedure, SPOCS provides a complete documentation package at no additional charge, which includes:

Itemized Billing Statement

Detailing the services provided, the product used, and the fees charged.

Clinical Findings Summary

Dr. Mansour's documented diagnosis and the clinical rationale for your treatment.

Letter of Medical Necessity

Signed by Dr. Mansour and addressed to your insurer, explaining why neuromodulator therapy was prescribed for your condition.

You can submit this package directly to your medical insurance company to request out-of-network reimbursement. While reimbursement is not guaranteed and depends entirely on your individual plan, many patients find that their insurance covers a portion of the cost — particularly for chronic migraine treatment.

Please Note: We are not billing agents and cannot guarantee reimbursement from your insurance company. The documentation package is provided as a courtesy to support your own submission. We recommend contacting your insurance provider in advance to understand your out-of-network benefits before your appointment.

Your Investment in TMJ Therapy

Your investment in the neuromodulator therapy program is based entirely on your diagnosis and personalized treatment plan, which is developed by Dr. Mansour at your TMJ evaluation. Your complete treatment plan and investment are reviewed with you before any procedure is scheduled — no surprises, no pressure.

Have questions about TMJ program pricing or payment?

Our team is happy to talk you through it before you book.

Insurance & Financing Questions

Does SPOCS Orthodontics accept my dental insurance?

We accept most PPO dental insurance plans that include orthodontic benefits. Our team will verify your coverage before your treatment begins and submit claims on your behalf. Call us at (727) 242-8000 or book a complimentary consultation and we’ll check your benefits at no charge.

We do not accept HMO plans or Florida Medicaid/CHIP at this time. We accept most PPO plans with orthodontic benefits. If you’re unsure whether your plan qualifies, give us a call and we’ll help you find out.

We offer flexible payment plans through OrthoFi, our orthodontic financing partner. OrthoFi automatically verifies your insurance benefits, applies them toward your balance, and files claims on your behalf — no paperwork on your end. Plans start with a $500 minimum down payment and offer flexible monthly payment options that align with your treatment timeline. You can manage your account online anytime through OrthoFi’s patient portal. FSA and HSA funds are also accepted.

Yes — FSA (Flexible Spending Account) and HSA (Health Savings Account) funds are accepted for both orthodontic treatment and TMJ/neuromodulator therapy services at SPOCS. We recommend checking with your FSA or HSA administrator to confirm eligibility for specific services.

The SPOCS Neuromodulator Therapy Program is a cash-pay program — we do not bill dental or medical insurance directly. However, we provide a complete documentation package after your procedure — including an itemized billing statement, a clinical findings summary, and a letter of medical necessity from Dr. Mansour — that you can submit to your own insurance for potential out-of-network reimbursement. Reimbursement is not guaranteed and depends on your individual plan.

Your documentation package includes three items: an itemized billing statement detailing the services performed and fees charged; a clinical findings summary from Dr. Mansour documenting your diagnosis and treatment rationale; and a letter of medical necessity signed by Dr. Mansour that you can submit to your insurance company. This package is provided at no additional charge after your procedure.

We verify your insurance benefits before treatment begins and present your full financial picture — insurance contribution, out-of-pocket cost, and OrthoFi payment plan options — at your consultation. You will always know exactly what you owe before committing to any treatment.

Your complimentary consultation with Dr. Mansour includes a comprehensive orthodontic evaluation plus CEPH and PANO imaging at no charge. Dr. Mansour will assess your smile, explain your treatment options, and our team will walk you through the associated investment and payment options — all at no cost and no obligation.

Clear Options. No Surprises. Let's Get Started.

Whether you’re exploring orthodontic treatment or seeking relief through our TMJ program, we’ll walk you through every cost before you commit. No pressure. No surprises.

3200 4th St N, St. Petersburg, FL 33704 | Mon–Fri 7AM–6PM | Hablamos Español