Clear costs, before any treatment.
Written estimates for every plan, PPO benefits checked for you, a simple membership and monthly payment options for larger cases.
Insurance we work with.
We are in network with many PPO plans and file claims for most others as a courtesy. We do not participate in HMO or Denti-Cal plans. Coverage depends on your employer's plan, so we always verify benefits first.
Plan list is a sample for this demo website.
- Delta Dental PPO
- MetLife PDP Plus
- Cigna Dental PPO
- Aetna Dental PPO
- Guardian DentalGuard
- United Concordia
- Principal Dental
- Ameritas PPO
Check your carrier, then read your plan.
Two different questions. The first takes a second and tells you how we bill. The second takes five minutes and tells you what you will actually pay.
The six words that decide your bill
- Annual maximum
- The most the plan will pay in a benefit year, not the most you can claim. Typical employer plans sit somewhere between one and two thousand dollars. Once it is used, everything after it is yours. It resets on the plan year, which is often January but frequently is not.
- Deductible
- What you pay yourself before the plan starts paying at all. Usually a small annual amount, and most plans waive it for diagnostic and preventive visits. Family plans often have a separate, larger family deductible.
- Coverage tiers
- Percentages, not treatments. Every procedure code sits in a tier. A plan described as 100/80/50 pays all of preventive care, most of basic work like fillings, and half of major work such as crowns. Which tier a procedure sits in varies between plans, so crowns are not always major.
- Waiting period
- A delay between joining the plan and being able to claim for a category. Commonly six months for basic work and twelve for major work, and it usually applies from the day cover started, not from the day you first ask. Plans taken out through a new employer sometimes waive it if you had continuous prior cover.
- Frequency limitation
- How often the plan will pay for the same thing. Two cleanings per benefit year, bitewing X-rays once a year, a replacement crown only after five or more years. Exceeding the limit does not mean the treatment is wrong, only that the plan will not pay for it this time.
- Missing tooth clause
- A refusal to pay for replacing a tooth you lost before the plan began. It catches people planning implants or bridges more than any other clause, and it is the first thing we check when a replacement is being discussed.
Six questions, one phone call.
The member services number is on the back of your card. Ask these in order and write down the answers, and you will know more about your plan than most people ever do. We are happy to make the call for you instead.
Ask us to call them, (415) 555-0122- 01What is my annual maximum, and how much of it is left this benefit year?
- 02When does the benefit year restart?
- 03What is my deductible, and has it been met?
- 04What percentage is covered for diagnostic, basic and major categories?
- 05Are there waiting periods, and what date did my cover start?
- 06Is there a missing tooth clause or a frequency limit on what I need?
Waiting periods, annual maximums and coverage tiers described here are the common patterns across employer dental plans, not the terms of your own policy. General information, not dental or insurance advice: read your plan documents, or let us verify them with you.
Studio membership
$49 per month
- Two hygiene cleanings a year
- Two doctor exams and oral cancer screenings
- All routine X-rays and 3D scans
- One emergency exam a year
- 15% off most treatment
- Whitening at a member rate of $395
Sample pricing. Billed monthly, cancel with 30 days notice after the first year.
No insurance? Consider the membership.
A straightforward alternative for patients without dental benefits, or with plans that cover little.
| Care | PPO insurance | Membership | No coverage |
|---|---|---|---|
| Two cleanings and exams a year | Usually covered at 80 to 100% | Included | $490 sample |
| Routine X-rays and 3D scans | Usually covered | Included | $180 sample |
| Emergency exam | Often covered | One a year included | $185 sample |
| Crowns and root canals | Commonly 50 to 80% | 15% off | Standard fee |
| Whitening and veneers | Rarely covered | Member pricing | Standard fee |
Swipe the table sideways to compare.
Estimate a monthly plan.
Choose a sample treatment and a term to see how payments could look. Terms from 6 to 60 months with approved credit.
- 0% APR options on shorter terms
- Soft credit check to see your options
- HSA and FSA cards accepted
Payment questions.
We accept all major cards, HSA and FSA cards, and third-party financing with approved credit.
Talk to Sofia, (415) 555-0122We are in network with several PPO plans, including Delta Dental PPO and MetLife, and file claims for most others as a courtesy. We provide written estimates before treatment.
Purely cosmetic treatments such as whitening are rarely covered. Crowns, implants and some aligner cases may be partly covered depending on your plan.
Yes. Through our financing partners, qualified patients can spread treatment over 6 to 60 months, with 0% APR options on shorter terms. Terms shown on our site are examples only.
Our studio membership is $49 a month and covers two cleanings, exams, X-rays and 15% off most treatment.
Know your costs up front.
Every consultation ends with a written plan and estimate, including what insurance is likely to cover.
Rated 4.9 by 612 patients. Most PPO plans welcome.