Patient Resources
Insurance & Payment
We believe cost should never stand between you and the care you deserve. Our team works with most major PPO plans and offers flexible options for every budget.
In-Network Coverage
Insurance Plans We Accept
We're in-network with most major PPO dental insurance plans, helping you maximize your benefits and minimize out-of-pocket costs.
Don't see your plan? We work with many additional PPO providers and even some Medicare plans. Call us or fill out our benefits verification form and we'll confirm your coverage before your visit.
Simple & Stress-Free
How Dental Insurance Works With Us
We handle the heavy lifting so you can focus on your smile. Here's what to expect from start to finish.
Verify Your Benefits
Call us or submit our online form before your visit. Our team will contact your insurance provider to confirm your coverage, co-pays, and remaining annual maximum.
Receive Your Treatment
Focus on your health — not paperwork. We handle all claim submissions directly to your insurance carrier so you don't have to lift a finger.
We File Your Claim
Our dedicated insurance coordinators submit your claim electronically for faster processing. We follow up on any outstanding claims on your behalf.
Transparent Billing
You'll always know your estimated patient responsibility before treatment begins. No surprise bills — just honest, clear estimates you can plan around.
Understanding Your Plan
Typical PPO Coverage Breakdown
Most PPO dental plans organize coverage into three tiers. While every plan is different, here's a general guide to what you can expect. Our team will verify your specific benefits before treatment.
Preventive
80 – 100%Basic
70 – 80%Major
50 – 60%Get the Most From Your Plan
Maximize Your Insurance Benefits
Smart strategies to stretch your coverage further and reduce out-of-pocket costs.
Use It or Lose It
Most dental plans reset on January 1st. Unused benefits don't roll over — schedule your visits early in the year to make the most of your annual maximum.
Preventive Care is Typically 100% Covered
Most PPO plans cover routine exams, cleanings, and x-rays at little to no cost. Two visits per year can prevent costly treatments down the road.
Split Treatments Across Plan Years
For larger treatments, we can often phase your care across two benefit periods — helping you use two annual maximums and reducing your out-of-pocket expense.
Combine Insurance + Financing
Use your insurance benefits first, then finance the remaining balance with CareCredit or Cherry at 0% interest. Get the care you need now and pay over time.
Free Consultations Save You Money
We offer complimentary consultations for cosmetic dentistry, dental implants, and Invisalign — so you can explore your options with zero financial commitment.
Pre-Authorization for Major Work
Before starting larger procedures, we can submit a pre-treatment estimate to your carrier so you know exactly what's covered and what to expect.
Options for Every Budget
No Insurance? No Problem.
We never want finances to get in the way of your health. Choose from flexible options designed to make quality dental care accessible to everyone.
Dental Savings Plan
An affordable annual membership designed for patients without insurance. Includes preventive care (exams, cleanings, x-rays) plus exclusive discounts on all treatments.
- Annual fee covers preventive visits
- Discounts on restorative & cosmetic care
- No deductibles, no maximums, no waiting periods
- Immediate eligibility for the whole family
CareCredit
Apply online or in-office for promotional no-interest payment plans. Spread the cost of treatment over 6, 12, 18, or 24 months.
- 0% interest promotional periods
- Quick online application
- Use for dental, vision, and more
- Accepted nationwide
Cherry Financing
Flexible, credit-based monthly payment plans with $0 down. Get approved in seconds and start treatment immediately.
- $0 down with approved credit
- Low monthly payments
- Soft credit check — no impact on score
- Quick approval in-office or online
We also accept HSA/FSA accounts, cash, debit, and all major credit cards.
Explore All Financing OptionsCommon Questions
Insurance & Payment FAQ
Quick answers to the questions we hear most about coverage, costs, and payment options.
Do you accept dental insurance?
Yes. We accept most PPO dental insurance policies and even some Medicare plans. Contact our office to confirm your specific plan's coverage before your visit.
Does insurance cover cosmetic treatments?
Most purely cosmetic procedures are not covered by dental insurance. However, treatments that restore function (like crowns or implants) may qualify for partial benefits. We'll provide a clear estimate before starting any treatment.
Do I have to pay at the time of service?
Yes, patient responsibility payments are collected at the time of service. We'll provide an estimate of your portion before treatment so there are no surprises. Financing options like CareCredit and Cherry are available to help manage costs.
What if I don't have insurance?
Our Dental Savings Plan offers an affordable alternative with included preventive care and exclusive savings on treatments. We also offer CareCredit and Cherry financing with $0 down and low monthly payments.
How do I apply for CareCredit financing?
You can apply quickly online at CareCredit.com or right here in our office. Approval decisions are fast, and you can start treatment immediately once approved.
Do you offer free consultations?
Yes! We offer complimentary initial consultations for cosmetic dentistry, dental implants, and Invisalign. You'll receive a personalized treatment plan with clear pricing and no pressure.
Have a question we didn't cover? Reach out to our team — we're happy to help.
Ready for Your Best Smile?
Whether you need a routine checkup, a complete smile transformation, or urgent care — our team is here for you. Book your visit today.