Are you seeking a trusted orthodontist in Erie, CO who accepts Sun Life Financial insurance? At Hardy Pediatric Dentistry & Orthodontics, we’re proud to work with Sun Life Financial to make quality orthodontic care affordable for your family. Our board-certified specialists, Dr. T.C. Hardy, Dr. Namrata Hardy, and Dr. Cierra Randall, provide exceptional orthodontic treatments while helping you maximize your insurance benefits.
Understanding Your Sun Life Financial Dental PPO Coverage
Sun Life Financial offers comprehensive dental coverage through its Indemnity Dental Plan, providing families with flexible options for orthodontic care. Whether you’re considering traditional braces, clear braces, or Invisalign for yourself or your child, understanding your insurance coverage is essential for planning your orthodontic treatment.
Sun Life Financial PPO Plan Features
Sun Life Financial PPO networks give you access to over 130,000 reputable dentists nationwide, including our expert team at Hardy Pediatric Dentistry & Orthodontics in Erie, CO. These plans offer significant discounts on covered dental care with benefit options for both basic and major dental services with no age limit. One of the major advantages is that preventive care is covered with no deductible or waiting periods, helping you maintain optimal oral health.
Orthodontic Coverage Options with Sun Life Financial
Sun Life Financial’s orthodontic coverage varies depending on your specific plan. Here’s what you can typically expect:
| Plan Type | Coverage Percentage | Lifetime Maximum | Waiting Period |
| High Dental Plan | Up to 70% | $3,500 per person | No waiting period |
| Standard Dental Plan | Up to 70% | $2,500 per person | 12-month waiting period |
| Basic PPO Plan | Approximately 50% | $1,500 | 6-month waiting period |
Note: These are estimates based on typical plans. Your specific coverage may vary.
Orthodontic Treatment Options Covered by Sun Life Financial
At Hardy Pediatric Dentistry & Orthodontics, we offer a wide range of orthodontic treatments to suit your needs, many of which are covered by Sun Life Financial plans. Our state-of-the-art facility in Erie, CO provides the latest orthodontic technology and treatment options to create beautiful, healthy smiles.
Invisalign® Treatment Coverage
Invisalign is a popular choice for patients seeking a discreet orthodontic solution. If your plan includes orthodontic benefits, Sun Life Financial typically covers approximately 70% of the total cost of your Invisalign treatment.
However, it’s essential to check the details of your policy to ensure coverage. Watch for provisions such as:
- Non-covered expense clauses that might exclude Invisalign
- Age restrictions (some plans limit orthodontic benefits to patients 19 years or younger)
- Waiting periods before orthodontic coverage begins
Our Hardy Pediatric Dentistry & Orthodontics team can help verify your Invisalign coverage and explain any limitations or exclusions that might apply.
Traditional and Clear Braces Coverage
Sun Life Financial PPO plans typically cover traditional metal braces and clear ceramic braces. Depending on your specific plan, the estimated coverage is around 50-70%, with various waiting periods and maximum lifetime benefits.
Clear braces are an excellent option for patients who want a more aesthetically pleasing alternative to metal braces. With Sun Life Financial PPO plans, clear braces are estimated to be 50% covered with a typical waiting period of 6 months and a maximum lifetime benefit of $1,500 when visiting a PPO orthodontist like Dr. T.C. Hardy.
Lingual Braces Coverage
For patients interested in lingual braces (braces placed behind the teeth), Sun Life Financial PPO plans offer an estimated 50% coverage. Similar to clear braces, lingual treatment typically has a 6-month waiting period with a maximum lifetime benefit of $1,500.
At Hardy Pediatric Dentistry & Orthodontics, we also offer InBrace, a truly invisible orthodontic solution that works behind the teeth. It uses advanced technology to adjust the alignment of your teeth with a personalized Smart Wire.
Additional Covered Services and Diagnostic Procedures
Retainer Coverage
Post-treatment retainers are essential for maintaining your orthodontic results. With Sun Life Financial PPO plans, one set of post-treatment retainers for orthodontic purposes is typically covered for the course of a lifetime. This coverage helps ensure your investment in orthodontic treatment remains protected for years to come.
X-Ray and Diagnostic Coverage
Sun Life Financial provides excellent coverage for diagnostic procedures, including dental X-rays. Most plans offer full (100%) coverage of dental X-rays with no waiting periods for diagnostic services.
However, coverage specifics may vary:
- Some policies cover bitewing X-rays once every 12 months
- Full mouth x-rays are typically covered once every 5 years
At Hardy Pediatric Dentistry & Orthodontics, we utilize advanced Digital X-ray technology that reduces radiation exposure by up to 90% compared to traditional X-rays, providing instant results and enhanced diagnostic capabilities.
Cone Beam Computed Tomography (CBCT)
For more complex orthodontic cases, our office uses Cone Beam Computed Tomography (CBCT), a special type of x-ray equipment used when regular dental or facial x-rays are insufficient. Coverage for CBCT scans varies by plan, so it’s important to verify benefits for this advanced diagnostic tool.
Why Choose Hardy Pediatric Dentistry & Orthodontics for Your Sun Life Financial Covered Treatment
Our practice combines the expertise of board-certified specialists with cutting-edge technology to provide exceptional orthodontic care for patients of all ages in Erie, CO and surrounding areas.
Expert Specialists Who Accept Sun Life Financial
Dr. T.C. Hardy is a board-certified orthodontist and recipient of the Everett Shapiro Award in Orthodontics and the Dr. Harold Berk Endowed Prize Fund for Excellence in Research. He specializes in traditional orthodontics and advanced alternatives like Invisalign, InBrace, and the KLOwen customized braces system.
Dr. Namrata Hardy is a board-certified pediatric dentist who provides oral health care to infants, children, adolescents, and individuals with special needs. She is committed to fostering good oral habits from a young age.
Dr. Cierra Randall is passionate about improving patients’ self-confidence and happiness by creating beautiful and healthy smiles. Her comprehensive philosophy improves esthetics, function, jaw relationships, airway, and stability.
Advanced Technology for Better Results
Our office features state-of-the-art technology that enhances your orthodontic treatment experience:
- iTero Scanner: Creates three-dimensional digital models for accurate treatment planning
- InBrace: Invisible orthodontic solution that works behind the teeth
- KLOwen: Customized braces system that straightens teeth faster and more comfortably
- OrthoSelect: Digital orthodontic technology for high-quality appliances
- 3D Printing: Allows for immediate production of orthodontic appliances
Flexible Payment Options Beyond Insurance
In addition to accepting Sun Life Financial insurance, we offer:
- Affordable payment plans
- In-house membership plans for patients without insurance
- Financing options to make orthodontic care accessible
Frequently Asked Questions About Sun Life Financial Orthodontic Coverage
How do I know if my Sun Life Financial plan covers orthodontics?
The best way to verify your orthodontic coverage is to review your plan booklet or contact Sun Life Financial directly. At Hardy Pediatric Dentistry & Orthodontics, we can help you understand your benefits by performing a complimentary insurance verification. We’ll check your specific coverage details, including orthodontic lifetime maximums, coverage percentages, and any waiting periods that may apply to your plan. This helps you make informed decisions about your orthodontic treatment options.
Does Sun Life Financial cover orthodontic treatment for adults?
Many Sun Life Financial plans do provide orthodontic coverage for adults, but some plans may have age restrictions that limit orthodontic benefits to patients 19 years or younger. If you’re an adult considering orthodontic treatment, it’s important to verify whether your specific plan includes adult orthodontic coverage. Our team can help you navigate these details and explore alternative payment options if your coverage is limited.
Will my Sun Life Financial plan cover specialized orthodontic treatments like InBrace or KLOwen?
Sun Life Financial typically covers orthodontic treatment based on the overall treatment category rather than specific brands or techniques. This means that specialized treatments like InBrace (lingual braces) or KLOwen customized braces are generally covered at the same rate as traditional orthodontic treatments, subject to your plan’s orthodontic lifetime maximum. However, coverage can vary by plan, so it’s always best to verify specific coverage details before beginning treatment.
How does Sun Life Financial orthodontic coverage work with mid-treatment transfers?
If you’re transferring to our office mid-treatment from another orthodontist, Sun Life Financial typically continues your orthodontic coverage based on your remaining benefits. The insurance company usually prorates the benefit based on the estimated remaining treatment time. Our office can help coordinate with your previous provider and Sun Life Financial to ensure a smooth transition and maximize your remaining insurance benefits.
What happens if I exceed my Sun Life Financial lifetime orthodontic maximum?
If your orthodontic treatment costs exceed your Sun Life Financial lifetime maximum benefit, you’ll be responsible for the remaining balance. At Hardy Pediatric Dentistry & Orthodontics, we offer flexible payment plans to help manage any out-of-pocket costs after your insurance benefits are applied. We’ll always provide a clear cost breakdown before beginning treatment so there are no surprises.
Get Started With Your Sun Life Financial Covered Orthodontic Treatment Today
Taking the first step toward a beautiful, healthy smile is easy at Hardy Pediatric Dentistry & Orthodontics. Our team is experienced in working with Sun Life Financial insurance to help you maximize your benefits and minimize out-of-pocket expenses.
📍 Visit Us: 3200 Village Vista Dr., Suite 110, Erie, CO 80516
📞 Call: (720) 900-3119
📩 Or Request an Appointment Online Today
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of April 2025. The above logo & trademarks are property of Sun Life Financial.