Insurance and Financing

Accepting Most Major Dental Insurances

We're in-network with or accept most major PPO plans, and we file claims on your behalf so you're not chasing paperwork. If you don't see your carrier below, call us — there's a good chance we can still work with it.

Each name below opens a page for that plan. Those pages explain what to bring, how a PPO differs from a dental HMO or a discount plan, and what we verify before treatment: eligibility, the remaining annual maximum, waiting periods, and whether the card in your wallet is the dental benefit or only the medical plan. We do not quote one rate from a logo. Two patients can carry the same brand and have completely different coverage.

Cherry

Cherry is a financing option for treatment that costs more than your insurance will pay. The application is short, approval rates are high for patients who qualify, and you can choose among several plan lengths so the monthly payment fits the visit rather than the other way around.

We walk through the amount, the term, and what you would pay each month before you agree. Applying does not obligate you to start treatment the same day. If Cherry is not the right fit, CareCredit, Sunbit, and Hello Basis are the other partners we use.

CareCredit

CareCredit is healthcare financing used by many dental patients, with promotional 0% APR options for qualifying applicants on purchases made within the promotional period. It is a credit line for care, not a dental insurance plan, so it does not replace a PPO maximum.

Patients often use CareCredit for crowns, implants, or several visits that would otherwise be paid at once. We help you see the estimated patient portion first, then you decide whether to apply. Promotional terms depend on the offer you qualify for, and we do not promise a particular rate before CareCredit makes that decision.

Sunbit

Sunbit uses a soft credit check, which means applying does not work like a traditional hard inquiry, and many patients get a decision quickly. Monthly payments are spread across a term you review before you accept, which is useful when insurance has already paid its share and a balance remains.

Bring a photo ID and be ready to review the payment schedule in the office. We explain the balance Sunbit would cover and what, if anything, is still due to the practice. You can decline the offer and choose another lender or the membership plan instead.

Hello Basis

Hello Basis is straightforward financing with no hidden fees. The payment you are shown is the payment the plan is built around, which helps when you want a clear monthly number for treatment that insurance only partly covers.

We use it alongside Cherry, CareCredit, and Sunbit so you are not limited to a single lender. If one application is declined, another may still be available the same day. Ask the front desk to start with the option that matches the size of the balance.

No Insurance? Ask About Our Membership Plan

Our in-house plan covers your preventive care and discounts other treatment, with no waiting periods and no annual maximum to run out of. It is for patients who do not have a dental PPO, whose plan will not pay at this office, or who have already used the yearly maximum and still need cleanings.

Membership is not insurance and it is not filed as a claim. You pay the plan directly and receive the included preventive visits plus a discount on other care. We will compare that cost with a discount plan such as Careington, or with financing, if one of those is a better fit for the treatment you actually need.