Coverage and payment
Dental Insurance and Financing, Explained Clearly
Insurance paperwork should never stand between you and a healthy mouth. Here is how dental coverage works at our Kansas City northland practice, and every option when you pay yourself.
- 12 Insurance carriers accepted
- $29/mo In-house membership plan
- 15% Member discount on other treatment
- 4.9/5 Average rating from 1,401 reviews
The basics
How Dental Insurance Actually Works
Most plans set an annual maximum, often between $1,000 and $2,000, and once it is used the plan pays nothing more until your benefits reset. It is a cap on what your insurer will contribute, not an open-ended promise.
You also have a deductible, usually $50 to $150, though preventive care such as cleanings is almost always exempt. Plans then pay 100% for preventive care, about 80% for fillings and roughly 50% for crowns.
If treatment can wait, timing it so your benefits are not split across two calendar years can save you a second deductible. We will help you plan larger work around your benefit year.
Insurance Plans We Accept
- Delta Dental
- Cigna
- Aetna
- MetLife
- Guardian
- UnitedHealthcare
- Blue Cross Blue Shield of Kansas City
- Humana
- Ameritas
- Principal
- Careington
- Assurant
- Delta Dental
- Cigna
- Aetna
- MetLife
- Guardian
- UnitedHealthcare
- Blue Cross Blue Shield of Kansas City
- Humana
- Ameritas
- Principal
- Careington
- Assurant
Payment options
Financing Options for Larger Treatment
When treatment costs more than one paycheck, these partners spread it into monthly payments.
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CareCredit
A healthcare credit card with 6, 12, 18 and 24-month interest-free promotional periods on approved credit.
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Cherry
Cherry gives you an instant approval decision and lets you see your options without a hard credit check.
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Sunbit
Point-of-sale financing with 90-day no-interest promotional periods and approval decisions in seconds.
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In-House Membership
Our own $29-a-month plan for patients without insurance, with two cleanings, exams and X-rays a year plus 15% off everything else.
Compare
How the Membership Plan Compares
A side-by-side look at our in-house plan and a typical dental policy.
| What you get | Membership plan | Typical insurance |
|---|---|---|
| Monthly cost | $29 per adult | Premium from pay |
| Two cleanings a year | Included | Usually covered |
| Annual maximum | None | $1,000–$2,000 |
| Deductible | None | $50–$150 |
| Discount on other treatment | 15% off everything | About 50% on major work |
| Waiting periods | None | Sometimes 6–12 months |
Membership pricing is per adult, and family plans are available at a lower rate.
Good to know
Insurance and Financing Questions
What patients ask most about coverage, cost and paying over time.
Do you accept my dental insurance?
We work with Delta Dental, Cigna, Aetna, MetLife, Guardian, UnitedHealthcare, Blue Cross Blue Shield of Kansas City, Humana, Ameritas, Principal, Careington and Assurant.
What is an annual maximum?
It is the most your plan pays for dental treatment in a calendar year, often $1,000 to $2,000, and it resets each January.
What if I do not have dental insurance?
Our in-house membership plan is $29 a month per adult and includes two cleanings, exams and X-rays plus 15% off everything else.
Can I spread the cost over time?
Yes. We work with CareCredit, Cherry and Sunbit, which offer interest-free promotional periods and fast approvals.
Can I use my HSA or FSA for dental work?
Usually yes. Cleanings, fillings, crowns, implants and some orthodontics typically qualify, and we provide an itemised receipt.
Will I know the cost before treatment starts?
Always. After your exam you receive a written estimate showing what your insurance covers and what you owe.
Let Us Handle the Paperwork
Call us with your insurance details and we will verify your benefits before your visit. If you are paying yourself, we will walk you through every option.
Let Us Handle the Paperwork
Call us with your insurance details and we will verify your benefits before your visit. If you are paying yourself, we will walk you through every option.
- Same-day emergency appointments
- $99 new-patient special
- Written estimates before treatment
Two ways to start
Book an appointment Call (816) 555-0182Mon–Thu 8a–6p · Fri 8a–5p · Sat 9a–2p
In pain now? Call (816) 555-0199