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Plans we accept
- Highmark Health Options
- AmeriHealth Caritas Delaware
- Delaware First Health
- Delaware Healthy Children Program (CHIP)
Financing & Insurance
Honest pricing. Real financing. Delaware families welcome.
Cost should not be what stops a family from a healthier, more confident smile. Stellar Orthodontics offers transparent pricing, most major insurance, monthly payment plans, and full Delaware Medicaid acceptance for kids and teens under 21.
Delaware Medicaid Accepted
Free Medicaid braces evaluation at all four Stellar offices.
For children and teens under 21, we accept all three Delaware Medicaid managed-care plans plus CHIP. Medically necessary orthodontic treatment may be fully covered with no member cost-share. We handle the pre-authorization paperwork.
How qualification works
Coverage requires a qualifying HLD Index score (typically 26+) or an auto-qualifying condition (cleft palate, impacted anterior teeth, severe deep overbite). We score and confirm at your free evaluation.
What's covered
Traditional fixed metal braces, all adjustments, repairs, removal, and initial retainers. Invisalign and ceramic upgrades are private pay.
What financing covers
Orthodontic treatment is an investment in oral health, function, and confidence. Payment planning lets you spread that investment across a timeline that fits your household.
- Monthly payment plans for braces and Invisalign
- Most major dental insurance accepted - we verify your benefits
- HSA and FSA payments accepted
- Sibling and multi-patient family discounts
What to expect at your free consultation
Bring your questions. We'll do a complete orthodontic exam, take a 3D iTero scan, and hand you a printed treatment plan with transparent pricing before you leave - no obligation.
Cherry Financing
Pay monthly with Cherry - no impact on your credit to check.
Stellar Orthodontics partners with Cherry to offer flexible monthly payment plans for orthodontic treatment. Pre-qualification takes about 60 seconds, doesn't affect your credit score, and shows you exactly what monthly payments would look like for your case.
How Cherry works at Stellar
- Apply online in about 60 seconds. Soft credit check - no impact on your score
- If approved, you see your monthly payment options instantly
- 0% APR options available for qualified applicants
- Pay over 3, 6, 12, 18, or 24 months depending on your plan
- Stellar's team helps coordinate Cherry with your treatment estimate at your free consultation
- Combines with insurance, HSA/FSA, Medicaid coverage, and sibling discounts
Important: who applies for Cherry
Cherry requires the applicant to be 18 or older. For minor patients (under 18), the parent or legal guardian applies on the child's behalf - not the patient themselves.
For Stellar's pediatric and teen patients, that means a parent applies, gets pre-qualified, and uses the financing to cover their child's treatment. The child doesn't need to be on the application at all.
Cherry pre-qualification is a soft credit check that doesn't affect your credit score. If you choose to finance after the consultation, Cherry runs a standard application at that point.
For families
Parents often want to coordinate treatment with school schedules, growth timing, and the monthly household budget. We help simplify the decision with clear numbers up front.
For teens
When treatment starts during adolescence, flexible financing makes it easier to begin at the right stage instead of waiting longer than necessary.
For adults
Adult patients often balance orthodontics with mortgages, kids, and career. Monthly plans (and HSA/FSA-eligible options) make care easier to fit into an already busy life.