Financing & Insurance · Washington DC
We accept most major dental insurance plans and offer flexible payment options including CareCredit financing, in-house payment plans, and all major credit cards. We'll work with your insurance to maximize your benefits.
Insurance Coverage
We accept most major PPO (Preferred Provider Organization) dental insurance plans. We'll verify your benefits before your visit so you know exactly what's covered and what your out-of-pocket costs will be.
If your plan isn't listed here, call us at (202) 750-8718 and we'll check whether we're in-network for your coverage.
Delta Dental
Most comprehensive coverage
MetLife Dental
Preventive & major plans
Cigna Dental
In-network preferred status
Aetna Dental
All plan types accepted
Guardian Dental
Cosmetic & general plans
United Healthcare
Employer & family plans
BlueCross BlueShield
Comprehensive coverage
Humana Dental
Medicare & commercial plans
Flexible Payment
We understand that dental care is a significant investment. That's why we offer multiple financing options to fit your budget and timeline.
Flexible financing with 0% interest promotional plans available. Apply in minutes and get an instant decision.
Apply at CareCredit →Pay over time with Cherry patient financing. Low monthly payments and a simple approval process. Ask us for details.
Learn about Cherry →Get approved in seconds with Sunbit's buy-now pay-later technology. No hard credit check and flexible payment plans.
Learn about Sunbit →How Dental Insurance Works
Insurance Disclaimer
Dental insurance is a benefit provided either through your employer or through an individual plan that you purchase. As your dental provider, we make every effort to verify your eligibility and benefits before providing treatment. While we are knowledgeable about many dental insurance plans, we are not experts in every policy and we do not have control over the specific details, limitations, exclusions, or clauses within your plan. Therefore, we cannot be held responsible for how your insurance company processes or denies claims, or for any unpaid balances resulting from your insurance carrier's policies.
The financial breakdown provided by our office is only an estimate of insurance benefits. Actual coverage may differ due to incomplete information from your insurance company or limitations within your policy. The patient is ultimately responsible for any balance remaining after insurance claims are processed. Insurance companies may deny claims based on plan provisions, policy guidelines, or medical necessity. Estimated insurance coverage and patient responsibility discussed by our office are based on information provided by your insurance company and are not a guarantee of payment. Final payment decisions are made solely by your insurance company once claims are received and processed, based on your eligibility at the time of service.
Any treatment recommended by your dentist is based on what he or she determines to be best for your oral health, not necessarily on what your dental insurance covers. Your insurance plan may or may not cover all aspects of the recommended treatment. The patient is ultimately financially responsible for any treatment not covered by their insurance plan.
Annual Maximum
Most dental insurance plans have an annual maximum benefit (typically 1000-2000 per year). Once you reach this limit, the insurance stops paying. We help you plan treatment to maximize these benefits.
Deductibles
You may need to pay a deductible (commonly 50-100) before your insurance kicks in. This applies per calendar year. Preventive care is often exempt from deductibles.
Coverage Tiers
Different services are covered at different percentages. Preventive care (cleanings, exams): 100 percent covered. Basic services (fillings, extractions): typically 80 percent covered. Major services (crowns, implants): typically 50 percent covered.
Typical Scenario
Annual maximum: 1,500
Deductible: 75
Preventive (100%): Exam 0, Cleaning 0
Basic (80%): Filling 150 → You pay 30
Major (50%): Crown 1,200 → You pay 600
Your actual coverage depends on your specific plan. We'll verify your exact benefits before treatment.
We work with your insurance to help you get the most value. Before we start treatment, we'll get a detailed benefits statement from your carrier so you know exactly what's covered.
Our Commitment
We believe in transparency and clear communication about costs. Here's how our financial policy works.
Your estimated out-of-pocket cost is due at the time of service. We calculate this based on your insurance verification and apply any insurance payments toward your bill.
We handle submitting claims to your insurance company on your behalf, including all necessary paperwork and documentation.
Insurance patients are responsible for their estimated copay based on what their plan will cover. We verify benefits upfront so there are no surprises.
What to Expect
Before Your Visit
After Treatment
Ready to Get Started
Schedule a consultation and we'll explain your insurance coverage, walk through payment options, and create a treatment plan that fits your budget. No surprises, just transparent care.