Insurance & Financing

We're in-network with most major PPO plans including Cigna, Aetna, Humana, MetLife, Guardian, and many others. You can see our full list of accepted plans on this page. If you don't see yours listed, call us — we may still be in-network with your plan, or we can file claims on your behalf even if we're not.

Yes. When you call to schedule, provide your insurance information and we'll verify your benefits before your appointment. We'll let you know what your plan covers so you have a clear estimate before your visit.

Being in-network means your insurance has pre-negotiated rates with us, which translates to lower out-of-pocket costs for you. You pay your co-pay or deductible rather than a higher out-of-network rate, and there are fewer billing surprises. If your specific plan is one we are not contracted with, you can still use your out-of-network benefits — most PPO plans reimburse a meaningful portion of treatment. Our team will explain your coverage clearly before any treatment begins.

We offer a RCD Dental Savings Plan at $336/year that includes your exams, X-rays, and cleanings plus discounts on treatment. We also offer financing through Cherry for larger treatment plans. No insurance is never a reason to skip dental care.

We accept cash, personal checks, and all major credit and debit cards (Visa, Mastercard, American Express, Discover). We also offer patient financing through Cherry — ask our team for details on currently available options.

If you have insurance, we typically collect your estimated patient portion at the time of service and bill your insurance directly. If there's a difference after insurance pays, we'll invoice you for any remaining balance or issue a refund if we overcollected. For uninsured patients, payment is due at the time of service.

Rarely all of it. Most plans cover 100% of preventive care like exams and cleanings, 80% of basic treatment like fillings, and 50% of major treatment like crowns or extractions — but every plan is different. We'll verify your benefits before your visit and give you a cost estimate so you know what to expect before anything is scheduled.

Many insurance plans require you to be enrolled for a set period — often 6 to 12 months — before they'll cover certain procedures like fillings, crowns, or extractions. If you just got new insurance, some treatments may not be covered yet. We'll flag any waiting periods when we verify your benefits so there are no surprises.

A downgrade (also called an alternative benefit clause) means your insurance will only pay for a less expensive version of a treatment even if your dentist recommends something better. For example, if we recommend a tooth-colored composite filling but your plan only covers silver amalgam fillings, your insurance pays the amalgam rate and you pay the difference. We'll let you know if your plan has downgrade clauses that affect your treatment.

A missing tooth clause means your insurance won't cover the replacement of a tooth that was already missing before your coverage started. So if you're missing a tooth and just enrolled in a new plan, that plan may exclude implants or bridges for that specific tooth. We'll check for this when we verify your benefits.

Yes — our RCD Dental Savings Plan is $336/year and includes two exams, necessary X-rays, two cleanings, and discounts on all other treatment. It's designed for patients without insurance or those whose insurance doesn't cover much. Ask our front desk for details or mention it when you call.

Cherry is a third-party financing option that lets you split your treatment cost into monthly payments. It takes just a few minutes to apply and checking your options doesn't affect your credit score. It's available for any treatment plan — not just large ones.

Cosmetic treatment is not covered by insurance — period. Insurance covers care that is clinically necessary to restore or maintain oral health. Veneers, bonding for purely aesthetic reasons, and whitening are considered elective and receive no coverage. Where it gets complicated is wear and attrition — teeth that have been ground down significantly over time. Even though that's a real clinical problem, many insurance plans still classify treatment as cosmetic and deny it. We'll always check your benefits and give you a clear picture of what will and won't be covered before you commit to anything.