Financing & Insurance

Taking care of your smile shouldn’t feel out of reach because of cost. At Family Dental Choice, we believe everyone deserves access to quality dental care, whether you’re coming in for a routine cleaning, restorative treatment, or a complete smile transformation. That’s why we offer a variety of payment options and work closely with patients to find a solution that fits their needs and budget.

We know insurance, financing, and treatment costs can sometimes feel confusing. Our team is here to make the process simple, answer your questions honestly, and help you make informed decisions about your care.

If you have dental insurance, we’ll help you get the most out of your benefits. Family Dental Choice accepts most major PPO dental insurance plans, and our team regularly works with a wide range of providers.

One of the most common questions we hear is, “Will my insurance cover this?” The answer depends on your individual plan, but you don’t have to figure it out on your own. Before treatment begins, we’ll review your benefits, explain what your insurance is expected to cover, and provide an estimate of any out-of-pocket costs whenever possible.

Because plans vary from person to person, we recommend giving us a quick call before your appointment. We’ll gladly verify your coverage and help you understand your benefits so you can avoid surprises and feel confident moving forward.

Even if your insurance provider isn’t listed on our website, reach out to our team. There’s a good chance we can work with your plan or help you explore other payment options.

Sometimes dental treatment comes along unexpectedly, and paying for everything at once may not be ideal. Whether you’re addressing a sudden dental concern or moving ahead with a recommended treatment plan, financing can provide added flexibility and peace of mind.

Family Dental Choice offers financing options through trusted providers such as CareCredit and Sunbit. These programs allow qualified patients to break treatment costs into convenient monthly payments, making it easier to move forward with care when it’s needed rather than delaying treatment due to budget concerns.

Many patients appreciate having the ability to spread payments over time, and depending on the financing program and approval terms, promotional financing options may also be available.

Applying is quick and straightforward, with approval decisions often available within minutes. If you’re interested in financing, our team will be happy to explain your options and help guide you through the application process.

Not everyone has dental insurance, and that’s okay. Many of our patients pay directly for their care, and we’re committed to making that experience as straightforward as possible.

If you’re uninsured, we’ll clearly explain treatment recommendations, discuss costs in advance, and help prioritize care when needed. We believe transparency matters, and you’ll never feel pressured into treatment you don’t understand.

We’re also exploring future membership-style savings options for patients without insurance. These plans are designed to make preventive care more affordable and predictable by offering benefits such as routine exams, cleanings, and savings on additional treatment for a simple annual fee. If and when a membership plan becomes available, we’ll be excited to share those details with our patients.

Does insurance cover fillings, crowns, or other dental treatments?

Many insurance plans provide partial coverage for restorative treatments such as fillings, crowns, root canals, and extractions. Coverage levels vary depending on your specific plan, annual maximums, deductibles, and waiting periods. Our team can review your benefits and explain what may be covered before treatment begins.

What if I don’t have dental insurance?

You can still receive excellent dental care at Family Dental Choice. We offer self-pay options and financing solutions that can make treatment more manageable. We’ll work with you to create a plan that supports both your oral health needs and your budget.

How do I apply for financing?

Applying is simple. Our team can help you submit an application for CareCredit or Sunbit, and many patients receive a decision within minutes. The process is designed to be quick, convenient, and easy to understand.

Can I find out my costs before treatment?

Absolutely. We believe patients should know what to expect. Whenever possible, we’ll provide a treatment estimate and review your insurance benefits or financing options before moving forward with care.

Let’s Talk About Your Options

Every patient’s situation is different, and there’s no one-size-fits-all approach to paying for dental care. Whether you have insurance, are considering financing, or simply want a better understanding of your benefits, we’re here to help.

Questions about your coverage?

Call (704) 705-1408 or book online today. Our team will gladly walk you through your options and help you feel informed before your first visit.