Care to fit your budget

Orthodontic Insurance & Financing
in Cupertino, Fremont & Milpitas

We believe cost should never be the reason someone doesn't get the smile they deserve. At Agape Orthodontics, we offer flexible in-house financing, work with most PPO insurance plans, and accept HSA and FSA payments — across all three Bay Area locations.

0% Interest Financing HSA & FSA Eligible No Third-Party Approval
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Insurance Plans

We Make Your Benefits Work For You

Most PPO dental plans include orthodontic benefits that apply at Agape — including the plans offered by many South Bay and East Bay employers. As an independent practice, we're not tied to any insurance network, which means Dr. Luke plans your treatment around your smile, not an insurer's contract — and your plan's out-of-network orthodontic benefits still apply. Our team handles the rest at our Cupertino, Fremont, and Milpitas offices: verifying your coverage for braces or Invisalign before treatment begins, filing the paperwork, and maximizing your reimbursement. These are some of the carriers whose plans we work with every day:

Delta Dental of California MetLife Cigna Aetna Anthem Blue Cross Blue Shield of California Guardian UnitedHealthcare Principal Ameritas Sun Life Lincoln Financial United Concordia GEHA Humana Premier Access All HSAs & FSAs & Many More
Don't see your plan? Every plan is different. Share your insurance information when you book, and our team will verify your specific orthodontic benefits — for braces or Invisalign — with your carrier before your first visit to our Cupertino, Fremont, or Milpitas office, so you'll know exactly what applies before making any decision.
Insurance & Tax-Free Benefits

Making Treatment Accessible

Many dental insurance plans include orthodontic benefits that can significantly offset the cost of treatment. At Agape Orthodontics, our team verifies your benefits before treatment begins — so you know exactly what's covered before making any commitment.

We work with most PPO insurance plans and welcome dual-insurance households. If you have coverage through two plans, we coordinate both on your behalf to maximize your combined reimbursement.

Beyond insurance, tax-advantaged accounts like HSAs and FSAs can be used to pay for orthodontic treatment — putting pre-tax dollars to work toward your smile.

We handle the coordination. Our team contacts your insurance provider directly, verifies your orthodontic benefits, and walks you through exactly what's covered before you decide to move forward.
PPO Dental Insurance Most PPO plans include orthodontic benefits covering up to $1,000–$3,000 of treatment. We verify your benefits and provide all documentation needed to process your claim.
Dual Insurance Coordination Have coverage under two plans? We coordinate both on your behalf — maximizing combined reimbursement without the administrative headache.
HSA — Health Savings Account Pre-tax HSA dollars can be applied directly toward braces or Invisalign — an effective way to reduce your out-of-pocket cost using funds you've already set aside.
FSA — Flexible Spending Account FSA funds are eligible for orthodontic treatment expenses. Using FSA dollars for treatment is a tax-efficient way to manage your investment — learn more at hsastore.com.
How It Works

Simple Steps to Your Smile

1
Book Your Free Consultation Come in for a complimentary smile exam. Dr. Luke will assess your teeth, review your goals, and walk you through all appropriate treatment options — with no obligation to move forward.
2
We Verify Your Insurance Our team contacts your insurance provider directly — including dual-insurance households — and verifies your orthodontic benefits before you commit. You'll know exactly what's covered and what your out-of-pocket cost will be.
3
Choose Your Payment Plan Select the option that works for your budget — 0% in-house financing, pay-in-full with a 3% discount, HSA or FSA funds, or a combination. Our financial coordinator walks you through every option with zero pressure.
4
Start Your Treatment Once your plan is set, treatment begins. We're with you from first aligner to final retainer — and your financial coordinator remains available throughout if anything changes along the way.
FAQ

Insurance & Financing Questions Answered

Yes. We work with most PPO dental insurance plans and verify your orthodontic benefits before treatment begins. We provide all documentation needed to process your claim and maximize your reimbursement.
Most PPO plans provide $1,000–$3,000 in orthodontic benefits depending on your specific plan. Coverage varies significantly — which is why we verify your benefits directly before your consultation so you have accurate numbers, not estimates.
We welcome dual-insurance households and coordinate both plans on your behalf. Our team handles the coordination so you get the maximum combined benefit without the administrative hassle.
Yes — we offer in-house 0% interest financing with no third-party approval required. A down payment is required at the start of treatment, with monthly payments spread over up to 12 months. No credit check, no lender, no surprises.
Yes. Orthodontic treatment is an eligible expense under most Health Savings Accounts and Flexible Spending Accounts. Using pre-tax HSA or FSA dollars is an effective way to reduce your out-of-pocket cost.
Yes — we offer a 3% courtesy discount for patients who pay the full treatment fee upfront via Zelle, cash, or check. It's a simple, no-hassle option for those who prefer to pay once and be done.
Not at all. Your free consultation includes a full financial review — but there's no pressure and no obligation to decide on the spot. Take all the time you need. We're here to answer questions whenever you're ready.

Looking to get orthodontic insurance coverage before starting?

The staff at Agape Orthodontics have seen a variety of insurances of patients who have come through the office. Call in and schedule a time for a free smile exam at any of our three Bay Area locations. Our staff will help guide and assist you in navigating dental insurance.

Serving families in Cupertino, Milpitas, and Fremont.

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