Orthodontic Insurance at Fredal Orthodontics
Fredal Orthodontics, led by orthodontist Dr. Thomas Fredal Jr., is in network with Delta Dental. With the other plans it accepts, the team files your claims for you as a courtesy. In-House Financing payments start as low as $179 a month, with no credit check.
*For new patients only. Patients transferring from another orthodontist: $250 consultation fee, credited toward treatment if they start here.
Updated October 2026
Does Insurance Cover Invisalign and Braces?
For patients with orthodontic insurance at Fredal Orthodontics, the plan pays about 25% of the comprehensive treatment fee on average. The average benefit actually paid is $1,500 per patient. Patients with insurance pay $4,500 out of pocket on average. Invisalign and Damon braces have the same pricing at the practice.
A lifetime orthodontic maximum is the most a plan will ever pay toward orthodontic treatment for one person. You may also see these terms on your plan’s benefits summary:
- Deductible. The amount you pay yourself before the plan starts to pay.
- Coverage percentage. The share of the treatment fee the plan pays, up to its lifetime maximum.
- Waiting period. How long you must be enrolled before the plan pays orthodontic claims.
PPO Dental Plans Accepted at Fredal Orthodontics
Fredal Orthodontics accepts each PPO (preferred provider organization) plan listed below. Delta Dental is the only plan the practice is in network with. With the others, it files your claims on your behalf as a courtesy.
PPO Carriers Fredal Orthodontics Accepts
The practice also accepts MCNA Dental, Liberty Dental, TRICARE, Careington, Dominion National and Healthplex. It accepts Premera Blue Cross, Lincoln Financial, Regence, Anthem, Superior HealthPlan and DentaQuest too. If your plan is not listed, have your insurance card ready when you book. The team can then verify your benefit.
Medicaid, State and HMO Plans
Fredal Orthodontics aims to make treatment as affordable and accessible as possible. It does not participate with Medicaid or state insurance plans. It also does not accept HMO (health maintenance organization) plans.
Michigan’s Healthy Kids Dental program generally does not cover orthodontic treatment. Families with qualifying medical conditions can check with Children’s Special Health Care Services.
If your plan does not cover treatment, the team will work with you to find a financial option that fits your budget. One option is 0% In-House Financing.
Insurance Verification in 4 Steps
Fredal Orthodontics handles your insurance in four steps, from booking to claims.
Share Your Card When You Book
The Team Verifies Your Benefit
You Get Your Costs Before You Start
Claims Filed for You
Starting Fees for Braces and Invisalign
Comprehensive treatment at Fredal Orthodontics starts at $5,280 for metal braces and for Invisalign. The fee depends on how complex the case is: $5,280, $6,880 or $7,175. It does not change with how long treatment takes, and it covers every appliance a case needs.
| Treatment | Starting Fee | In-House Down Payment | Monthly Payments |
|---|---|---|---|
| Metal Braces | $5,280 | $750 | From $179/mo |
| Invisalign | $5,280 | $750 | From $179/mo |
For an estimate based on your own plan, use the cost calculators: Braces Cost Calculator Invisalign Cost Calculator
Four Ways to Pay for Treatment
Whatever your plan pays, you can pay the rest in one of four ways. Funds from a health savings account (HSA) or flexible spending account (FSA) are accepted too.
- In-House Financing: 0% interest and no credit check, through Ortho 2. Monthly payments start as low as $179 and vary based on treatment costs, down payment, and financing terms. The down payment is $750 for comprehensive braces or Invisalign and $500 for Phase 1.
- Cherry: a third-party financing partner, with down payments starting at $189.99.
- CareCredit: a third-party financing partner.
- Pay in full: 5% off by cash, check, or ACH, or 3% off by credit card. Phase 1 treatment qualifies too.
A $250 community discount is offered to military members and veterans, teachers and school staff, first responders, healthcare workers, students, and additional family members in treatment.
One $250 community discount may be applied per patient. The pay-in-full discount may be combined with an eligible community discount. The $100 referral account credit is separate and may be combined when applicable. View the full discount list
Insurance and Financing Questions
Is Fredal Orthodontics in network with my dental plan?
Only if your plan is Delta Dental. Fredal Orthodontics is in network with Delta Dental and out of network with every other plan it accepts, such as MetLife, Cigna, Aetna and Blue Cross Blue Shield. With those plans, the team still files your claims on your behalf as a courtesy. Your treatment fee stays the same either way, and it is the same with no insurance.
Does a community discount apply before or after insurance?
After. A community discount comes off the part you pay after insurance pays its share. It is applied on your financial agreement, not paid back later as a rebate. You need ID to claim it. The discount is not limited to comprehensive treatment.
What is the difference between Cherry and In-House Financing?
In-House Financing is the practice’s own plan through Ortho 2, with 0% interest and no credit check. Its plans run from 12 to 30 months, with a $750 down payment for comprehensive braces or Invisalign. Cherry is a third-party financing partner, and its down payments start at $189.99. CareCredit is offered as well.
What if you do not have insurance?
Treatment costs the same without insurance. Comprehensive braces and Invisalign both start at $5,280. Monthly payments through the practice’s own 0% plan start as low as $179 after a down payment of $750. Cherry and CareCredit are offered too, and paying in full earns 5% off by cash, check or ACH, or 3% off by credit card.
Who at Fredal Orthodontics handles my insurance?
A financial and insurance coordinator on the team. The coordinator checks your plan’s orthodontic benefit, gives you the verification in writing and files your claims, including with plans the practice is out of network with. Dr. Fredal runs every consultation himself and gives you the exact treatment fee in writing at that visit.
What is Retainer Insurance?
Fredal Orthodontics offers Retainer Insurance, a paid program for replacement retainers. The program costs $790. Without it, a replacement retainer costs $225 per arch, or $450 for an upper and lower pair. If you cannot wait for the lab, the practice can make a retainer in its own office.
Who Handles Your Care and Your Insurance
Fredal Orthodontics in Shelby Township
Fredal Orthodontics is a private practice in Shelby Township with one orthodontist. You see the same orthodontist all through treatment.
Dr. Thomas Fredal Jr. personally designs and oversees every treatment plan from start to finish.
Dr. Fredal runs every consultation himself. A financial and insurance coordinator on his team helps you understand your orthodontic benefits. The goal is to make the insurance process as simple and stress-free as possible.
Check Your Insurance at a Free Consultation
Have your insurance card ready when you book at Fredal Orthodontics. Your consultation gives you the exact treatment cost in writing and includes Dr. Fredal’s personal evaluation of your records and a free i-CAT FLX V17 3D scan for every new patient.
*For new patients only. Patients transferring from another orthodontist: $250 consultation fee, credited toward treatment if they start here.