Insurance & Payment Options

Making quality dental care affordable and accessible for everyone

Check Your Coverage

Verify Your Insurance Benefits

Find out if your insurance plan is accepted and what your benefits cover

Insurance Verification Tool

What We'll Check For You

Annual maximum benefits
Deductible information
Coverage percentages
Preventive care coverage
Major treatment coverage
Orthodontic benefits

We'll verify your benefits within 24 hours and contact you with detailed coverage information.

Insurance Partners

We Accept Most Major Insurance Plans

SmileCare Dental is in-network with most major dental insurance providers

Delta Dental

In-network provider with comprehensive coverage for preventive and major services

Aetna

Preferred provider offering excellent benefits for families and individuals

Cigna

In-network with excellent coverage for preventive care and treatments

Anthem Blue Cross

Participating provider with comprehensive dental coverage options

MetLife

Preferred provider with competitive rates and excellent patient benefits

Guardian

In-network provider offering great coverage for families and individuals

Humana

Participating provider with competitive coverage and patient-friendly benefits

United Healthcare

In-network provider with comprehensive dental coverage and benefits

Don't See Your Insurance?

We work with many additional insurance providers not listed above. Contact our office to verify your specific plan coverage and benefits. We'll be happy to help you understand your options.

Call to Verify

Payment Solutions

Flexible Payment Options

We offer various payment methods to make your dental care affordable

Credit & Debit Cards

We accept all major credit and debit cards including Visa, MasterCard, American Express, and Discover. Pay securely at the time of service or over the phone.

Payment Plans

Interest-free payment plans available for treatments over $500. Split your treatment cost into manageable monthly payments with no credit check required.

Third-Party Financing

CareCredit and Lending Club financing available with flexible terms and low monthly payments. Apply online or in our office for instant approval.

FSA & HSA

We accept Flexible Spending Account (FSA) and Health Savings Account (HSA) payments. Use your pre-tax dollars to pay for dental treatments and save money.

Cash Discounts

Receive a 5% discount when paying with cash or check at the time of service. This discount applies to all treatments and can be combined with certain promotions.

Family Plans

Special family payment plans available for households with multiple patients. Spread costs across family members with convenient monthly payment options.

SmileCare Membership

Dental Savings Plan

For patients without insurance, our membership plan provides significant savings

Individual Plan

Perfect for individuals

$299
per year
2 cleanings & exams
2 fluoride treatments
X-rays as needed
20% off all treatments
Emergency exam included
Most Popular

Family Plan

Covers up to 4 family members

$799
per year
Save $397 per year!
8 cleanings & exams total
8 fluoride treatments
X-rays for all members
25% off all treatments
Emergency exams included

Senior Plan

Ages 65 and older

$249
per year
3 cleanings & exams
Fluoride treatments
X-rays as needed
25% off all treatments
Gum health evaluation
Financial assistance
Financial Assistance

We're Here to Help

At SmileCare Dental, we believe everyone deserves access to quality dental care. If you're experiencing financial hardship, we offer several assistance programs to help make treatment affordable.

Available Assistance

  • Sliding scale fees based on income
  • Extended payment plans with no interest
  • Priority emergency care for urgent needs
  • Referrals to community assistance programs

Our goal is to ensure that financial concerns don't prevent you from receiving the dental care you need. Please speak with our patient coordinator about available options.

Discuss Options

Common Questions

Insurance & Payment FAQ

Answers to frequently asked questions about insurance and payment options

What if my insurance doesn't cover a recommended treatment?

We'll work with you to find affordable solutions, including payment plans, alternative treatments, or phased treatment approaches. We'll also help you understand why the treatment is recommended and explore all available options.

Do you file insurance claims for me?

Yes, we handle all insurance paperwork and filing for you. We'll submit claims directly to your insurance company and track the reimbursement process. You only pay your estimated portion at the time of service.

Can I use multiple payment methods for one treatment?

Absolutely! You can split payments between different methods - for example, use insurance coverage, apply FSA funds, and pay the remaining balance with a credit card or payment plan.

What happens if my insurance claim is denied?

We'll help you understand why the claim was denied and work with your insurance company to resolve any issues. If the denial is final, we'll discuss alternative payment options to help you afford your treatment.

Are payment plans available for all treatments?

Payment plans are available for most treatments over $300. We offer both in-house payment plans and third-party financing options with different terms to fit your budget and preferences.

Need Help with Insurance or Payments?

Our experienced insurance coordinators are here to help you navigate your benefits and find the most affordable payment options for your dental care.

Call Insurance Department Email Questions

Insurance verification available Monday-Friday, 8:00 AM - 5:00 PM