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Did you know that orthodontic coverage is often a separate benefit within your dental insurance contract? So how do you know if you have coverage? You can call your insurance company, or speak with the plan administrator and ask the following:

  1. Is there orthodontic coverage on the plan?
    If the answer is YES…
  2. What percentage is covered?
  3. What is the maximum (either annual or lifetime) benefit?
    Are there any limitations for the coverage (Age restrictions? Any deductible?)
  4. So… you have orthodontic coverage on your plan, and you begin your journey towards that Oscar winning smile with your orthodontic specialist; Now what?!

Submitting your orthodontic claims to your insurance company can sometimes seem complicated, especially because orthodontists do not accept assignment of payment from insurance companies like your general dentist, and because claims cannot be submitted electronically like most general dental practices can do.  While it is the obligation of your orthodontic office to provide you with a CAO or “predetermination” form, it is your obligation to submit your monthly claims to your insurance company for reimbursement.

Step 1: Upon deciding on a treatment plan and financial structure with your orthodontist, you must send a predetermination to your insurance company. Some orthodontic offices will do this on your behalf, if not they should provide you with the completed form.

FYI: The predetermination provides your insurance company with a brief description of your orthodontic condition, the treatment length, as well as the financial arrangement you have decided on.

2-3 weeks after mailing in the predetermination you should receive a response from your insurance company – if not, call them and make sure they have received it.

Step 2: As you receive your monthly receipts for your scheduled payments, you will send your claim along with the receipt to your insurance company (some companies even allow you to make your claim online!). Your insurance company will reimburse you directly.

It’s that easy!


In-Person Consultation

Use our handy online scheduler below to choose the date and time that works best for your initial complimentary consultation appointment!

Please note that while initial orthodontic consultations are complimentary, if you recently completed orthodontic treatment or currently are in active appliances with another provider, seeking a replacement/repair for a retainer, or looking to schedule a second consult after your initial one there is a fee for the consultation. Please contact us for more information.

Alternatively, please contact our office directly by phone/text if you are trying to book multiple consultations at the same time or are seeking consultation further out than 12 weeks.

Please note – If none of the available times on our online scheduler work for you we do have other consultation times available. Please contact us directly for more information.

Virtual Consultation

Skip the office visit and have your free consultation from the comfort of your home. The start to your beautiful smile is just a few photos and clicks away.

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Insurance Upload

When it comes to financing there’s no one size fits all solution. Likewise, there is no singular solution when it comes to financing. At LendCare, we get that and go deeper to understand your unique story and offer flexible options that work best for you, given your current financial situation. That means you get affordable financing, even if your credit is anything but top-tier.

Walt Orthodontics is pleased to offer interest-free payments up to 30 months. If you require payments over 30 months we are happy to offer the LendCare solution.


Dr. Walt received his dental (DDS) degree from the University of Western Ontario, graduating first in his class and receiving the Gold Medal as well as numerous awards recognizing his scholastic and clinical achievements, leadership and character. He then completed his orthodontic training at the University of Colorado, where he received both his Specialty Certificate and Master of Science Degree. During his residency, he was awarded the Rocky Mountain Orthodontics Scholarship for overall excellence.

After graduating from residency and opening Walt Orthodontics in 2013, Dr. Walt committed himself to applying his traditional orthodontic education into the digital world to improve clinical outcomes and patient experience. He currently serves as a Faculty Member, Key Opinion Leader, and Advisory Board Member for Align Technology which involves traveling around the world to teach other orthodontists about Invisalign. Being at the forefront of digital orthodontics, Dr. Walt was invited to be the first orthodontist in Canada to use custom LightForce braces. He also serves as an Orthodontic Coach/Mentor for other orthodontists looking to improve their knowledge of digital orthodontics.

In addition to practicing orthodontics, Dr. Walt is a “die-hard” Blue Jays fan and enjoys working out in his spare time.


Dr. Stephanie Grossman pursued her dental degree in sunny South Florida at Nova Southeastern University. She graduated with honours, at the top of her class, and was inducted into the Phi Kappa Phi Honour Society. She then completed her orthodontic training at the University of Detroit Mercy, where she received both a Specialty Certificate in Orthodontics and a Master of Science degree. She is both a diplomate of the American Board of Orthodontics and a Fellow of the Royal College of Dentists of Canada.

Dr. Grossman strives to provide the highest standard of orthodontic care for her patients. She attends numerous hours of continuing education and utilizes the latest advancements in orthodontics. Dr. Grossman is licensed to practice in both the United States and Canada.

Outside of the clinic, Dr. Grossman enjoys spending time with her friends and family and traveling the world. She is a self-proclaimed foodie and loves trying new restaurants!