Payment & insurance
You’ll know the number before we start.
Not on a statement three weeks later. This page covers the insurance we accept, what to do if you don’t have any, and how to spread the cost of larger treatment.
Three ways people pay
Whichever applies to you, the principle is the same.
No surprises, and no treatment recommended because of how it’s funded.
You have insurance
We’re a Delta Dental Premier provider and a PPO provider with the other 21 carriers we accept. We’ll verify your real coverage before your visit and bill your insurer directly, so you’re not filing anything yourself.
Check your benefitsYou don’t have insurance
Our membership plan covers a year of preventive care from $29 a month for children and $39 for adults, plus 15% off most other treatment. No deductibles, no annual maximum, no waiting period.
See the membership planYou need to spread the cost
We offer Cherry payment plans, Sunbit and CareCredit. Applying takes about a minute and won’t affect your credit score. We can also phase treatment across months so it lands more gently.
See the payment plansSpreading the cost
Three ways to pay over time.
All three are optional, all are yours to arrange directly, and plenty of patients never use any of them. We’ll hand you the details without any pressure.
Cherry payment plans
Cherry lets you spread the cost of treatment into monthly payments. The application takes about a minute and gives you an instant decision, and there’s no hard credit check at any point — so finding out where you stand won’t affect your credit score. Qualifying 0% APR financing available.
You apply directly with Cherry rather than through us, and you’ll see your own terms before you commit to anything.
Sunbit
Sunbit splits treatment into monthly payments and is designed to approve a wide range of patients. Checking your options takes a minute and does not affect your credit score.
Ask us at the front desk and we’ll start it with you — most people have an answer before they leave.
CareCredit
A healthcare credit line you apply for directly, often approved the same day. Promotional periods are commonly interest-free over 6 to 24 months when the balance is cleared within the term.
We’ve had patients use it for implants, orthodontics and full treatment plans. Ask us and we’ll walk you through it.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners.
Term length, loan amount, 0% APR and other promotional rates are subject to eligibility. Exact terms and APR depend on credit score and other factors. See withcherry.com/terms for details.
Insurance accepted
Twenty-two carriers, and we’ll check yours properly.
We’re a Delta Dental Premier provider and take Delta’s PPO plans too; with every other carrier below we’re a PPO provider. Being listed here means we accept the benefits — what matters more is what your specific plan covers, so call and we’ll find out for you.
- Aetna
- Anthem Blue Cross
- Assurant
- Blue Cross
- Blue Shield
- Cigna
- Connection Dental
- Delta Dental
- Dental Benefit Providers
- Dental Health Alliance
- First Dental Health
- GEHA
- Guardian
- Humana Dental
- Lincoln Financial Group
- MetLife
- Principal Dental
- The Standard
- UFCW
- UMR
- United Concordia
- United Health Care
Don’t see yours? Call us anyway. We can often still bill an out-of-network plan on your behalf, and many patients end up paying little more than they would in-network.
Questions
The money questions, answered.
How do I find out what my insurance actually covers?
Call us with your card and we’ll verify it before your visit — not just whether we accept the plan, but your remaining annual maximum, your deductible, and the percentage that applies to what you need. It takes us a few minutes and it saves the conversation nobody wants to have afterwards.
Will I know the cost before treatment starts?
Yes. For anything significant we submit a pre-authorization to your insurer and give you a written figure — your actual out-of-pocket, not a range. Nothing begins until you’ve seen it.
What if I can’t afford everything at once?
Then we phase it. We’ll tell you honestly what genuinely needs doing now, what can safely wait six months, and what is purely elective. Very few treatment plans have to happen all at once, and we’d rather sequence yours than have you avoid it entirely.
How do Cherry payment plans work?
Cherry spreads the cost of treatment into monthly payments. You apply directly with Cherry — it takes about a minute and gives you an instant decision — and there is no hard credit check at any point, so checking won’t affect your credit score. Qualifying 0% APR financing available; term length, loan amount, 0% APR and other promotional rates are subject to eligibility, and exact terms and APR depend on credit score and other factors. Payment options through Cherry Technologies, Inc. are issued by the following lending partners: https://withcherry.com/lending-partners/
How does CareCredit work?
It’s a healthcare credit line you apply for directly, often approved the same day. Promotional periods are commonly interest-free over 6 to 24 months if the balance is paid within the term. We’ll hand you the details without any pressure — plenty of patients never use it.
Do you offer a discount for paying up front?
Ask us. For larger treatment plans paid in full before we begin, there’s usually something we can do.
What forms of payment do you take?
Cash, all major credit and debit cards, HSA and FSA cards, Cherry payment plans, Sunbit and CareCredit.