Financing & Insurance · Washington DC

Financial Policy &
Dental Insurance

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.

Schedule Your Visit (202) 750-8718

Insurance Coverage

Insurance we accept

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

Modern dental treatment room at DC Pearls

Flexible Payment

Payment options

We understand that dental care is a significant investment. That's why we offer multiple payment methods and financing options to fit your budget and timeline.

Cash

Direct payment at time of service. We accept all major credit cards for cash payments as well.

Credit Cards

We accept Visa, Mastercard, American Express, and Discover. All major credit cards welcome.

CareCredit

Flexible financing with 0% interest plans available. Approval is quick and easy. ask us for details.

Payment Plans

In-house payment plans for qualifying treatments. Flexible terms tailored to your needs.

How Dental Insurance Works

Understanding your benefits

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

Financial policy

We believe in transparency and clear communication about costs. Here's how our financial policy works.

Payment Due at Time of Service

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 File Insurance Claims

We handle submitting claims to your insurance company on your behalf, including all necessary paperwork and documentation.

Insurance Patients

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

  • We verify your insurance benefits
  • We calculate your estimated copay
  • We explain all costs in writing

After Treatment

  • We submit claims to insurance
  • Insurance reimburses us directly
  • You'll receive an explanation of benefits

Ready to Get Started

Clear costs, flexible payment

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.

Schedule Your Consultation (202) 750-8718