Insurance & Financing

Knowing what you'll pay before treatment starts makes decisions easier. Our team can walk you through your benefits, your estimate and your payment options.

Using Your Dental Insurance

Dental plans vary a lot, even between two people with the same carrier. Our team can help you understand what your plan covers, verify your coverage and prepare a pretreatment estimate before larger work begins.

We don't publish a list of accepted carriers, because plans and networks change. The simplest thing is to call the office you'd like to visit with your plan details. If you're a new patient, enter your insurance information on your new patient forms so the team can look into it before you arrive.

Paying for Your Care

Once you have a written treatment plan, you'll know what's recommended, what your insurance is expected to pay and what's left for you. Some patients pay that portion as they go. Others prefer to spread it out, which is where financing can help.

We work with two financing companies, Cherry and Sunbit. Each one handles its own application and sets its own terms.

Cherry

Cherry lets you split treatment costs into monthly payments. Payment options through Cherry are issued by Cherry Technologies' lending partners, so approval and terms depend on the lender.

You can learn more at withcherry.com, or ask our team how to apply.

Sunbit

Sunbit gives patients more options on how and when they pay. Terms are set by Sunbit, and you'll see them before you agree to anything.

Details are available at sunbit.com, and the front desk can help you get started.

What Insurance Usually Doesn't Cover

Most dental plans are built around preventive and necessary care. Cosmetic treatment, such as whitening or veneers placed mainly for appearance, usually isn't covered. Coverage for other work depends on your plan and the reason for treatment.

A written estimate is the best way to avoid surprises. It shows each part of your plan, what your insurance is expected to contribute and your share, so you can decide what to do now and what can wait. If you have questions about any line on it, get in touch with our team.

Questions About Insurance and Financing

Do you take my insurance?
Call the office with your plan details. The team will check your coverage and explain what your benefits are likely to cover.
What is a pretreatment estimate?
It's a written breakdown of a proposed treatment, what your insurance is expected to pay and what you're expected to pay. The final amount can still depend on what your plan pays once the claim is processed.
Can I use financing together with insurance?
Many patients use insurance for the covered portion and financing for the rest. Ask the team how that would look for your treatment plan.
Will applying for financing affect my credit?
That depends on the lender and the type of application. Cherry and Sunbit each explain their process on their own sites, and you can review it before you apply.
Do you offer financing for cosmetic treatment?
Ask the team whether Cherry or Sunbit can be used for the treatment you're considering, including care your insurance doesn't cover. Approval and terms are up to the lender.
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