Insurance & Financial Options

At SmilePro Dental, we believe that quality dental care should be accessible to everyone. We're committed to helping you navigate the financial aspects of your treatment so you can focus on what really matters—maintaining your healthy smile. Our team works diligently to maximize your insurance benefits and provide flexible payment options that make dental care affordable for you and your family. We take all insurance plans and have experience working with a wide variety of providers to help you get the most from your coverage. Our knowledgeable team is here to help you understand your benefits and make informed decisions about your dental care.

Insurance Plans We Accept

We proudly accept all insurance plans, including but not limited to:

  • Delta Dental
  • Blue Cross Blue Shield
  • Aetna
  • Cigna
  • Guardian
  • MetLife
  • United Healthcare (Medicare only)
  • Principal Dental
  • United Concordia

Our front office team has extensive experience working with these and many other insurance providers. We’ll help verify your coverage, file claims on your behalf, and explain your benefits in clear, understandable terms.

Understanding Your Dental Insurance

Dental insurance can sometimes be confusing. Here’s what you should know about how most dental plans work:

Coverage Categories

Most dental insurance plans categorize treatments into different levels of coverage: ● Preventive Care (typically covered at 80-100%): Includes routine cleanings, examinations, and x-rays ● Basic Procedures (typically covered at 70-80%): Includes fillings, simple extractions, and periodontal treatments ● Major Procedures (typically covered at 50%): Includes crowns, bridges, dentures, and sometimes root canals

Annual Maximums

Most dental insurance plans have an annual maximum benefit—the total amount your plan will pay toward your dental care in a given year. Once you reach this maximum, you're responsible for the remaining costs until your plan renews.

Deductibles

Many plans require you to pay a deductible—an out-of-pocket amount before your insurance coverage begins. This typically applies to basic and major procedures, while preventive care is often covered without meeting the deductible first.

Pre-Authorization

Some procedures, particularly major ones, may require pre-authorization from your insurance company. Our team will handle this process for you, submitting the necessary documentation before treatment begins.

How We Help Maximize Your Benefits

Our team is dedicated to helping you make the most of your dental insurance benefits:

  • Benefit Verification: Before your treatment, we’ll verify your coverage and provide an estimate of your insurance contribution and out-of-pocket costs.

  • Insurance Filing: We’ll file all insurance claims on your behalf and follow up with your insurance company to ensure prompt payment.

  • Pre-Treatment Estimates: For extensive treatments, we can submit a pre-treatment estimate to your insurance company, giving you a clearer picture of your expected costs before proceeding.

  • Year-End Reminders: If you have unused benefits that will expire at year’s end, we’ll let you know so you can schedule necessary treatment before those benefits are lost.

Coordination of Benefits: If you’re covered under multiple insurance plans, we’ll help coordinate your benefits to maximize your coverage.

Flexible Financial Options

We understand that even with insurance, some treatments may require significant out-of-pocket expenses. To make comprehensive dental care accessible to all our patients, we offer several payment and financing options:

CareCredit Healthcare Financing

CareCredit is a healthcare credit card specifically designed for medical and dental expenses. Benefits include:

  • No-interest financing if paid in full within the promotional period (typically 6-18 months)
  • Low monthly payment options for longer terms
  • Quick application process with immediate decisions
  • Use for any treatment, including cosmetic procedures not covered by insurance

Cherry Financing

Cherry provides another excellent option for managing dental expenses with:

  • Simple application process
  • Competitive interest rates
  • Flexible payment terms
  • Coverage for a wide range of procedures

Our front desk team can help you apply for either of these financing options right in our office, making it easy to proceed with your treatment without financial strain.

Payment Methods

For your convenience, we accept:

  • Cash
  • Personal checks
  • Major credit cards (Visa, MasterCard, American Express, Discover)
  • Health Savings Account (HSA) and Flexible Spending Account (FSA) cards

Transparent Pricing

We believe in complete transparency when it comes to the cost of your dental care. Before beginning any treatment:

  • We’ll provide a detailed estimate of all costs involved
  • We’ll explain which portions may be covered by insurance
  • We’ll discuss your estimated out-of-pocket expenses
  • We’ll present payment options that work with your budget

There are never any hidden fees or surprise costs with SmilePro Dental. We want you to feel completely comfortable with both the clinical and financial aspects of your treatment plan.

Insurance and Cosmetic Dentistry

It’s important to note that many dental insurance plans provide limited or no coverage for procedures considered purely cosmetic, such as:

  • Professional teeth whitening
  • Porcelain veneers
  • Cosmetic bonding
  • Some types of crown and bridge work when done primarily for aesthetic reasons

During your consultation for cosmetic procedures, we’ll clearly explain what portion, if any, may be covered by your insurance and discuss financing options for the remainder.

Free Insurance Benefits Check

Not sure what your insurance covers? Contact us for a complimentary benefits check. Our team will verify your coverage and explain your benefits before your appointment, helping you make informed decisions about your dental care.

Our Commitment to Affordable Care

At SmilePro Dental, we believe that financial considerations shouldn’t prevent anyone from receiving necessary dental care. We’re committed to working with you to find financial solutions that fit your budget while ensuring you receive the quality care you deserve.

If you have concerns about the cost of dental treatment, please don’t hesitate to discuss them with us. We’re here to help you navigate the financial aspects of your care with the same attention and concern we bring to clinical treatment.

Contact us today through our contact form or call our office to discuss your insurance coverage or learn more about our financial options. We look forward to helping you achieve and maintain optimal oral health with care that fits your budget.