Insurance & Financing
Complete Smiles works with traditional insurance, our own membership plan, and financing through Cherry and CareCredit. Whatever your coverage looks like, you'll know your options and your costs before treatment starts.
Membership Plans
Real Coverage, No Insurance Company
Complete Smiles Membership Plan
Real dental coverage without an insurance company involved. Your plan includes:
- Two routine exams, two cleanings, two fluoride treatments, and yearly X-rays, covered in full
- No pre-existing condition exclusions, waiting periods, or deductibles
- 20% off every other treatment when paid in full
- Coverage starting at $345 a year for a single member, with options to add a spouse or dependents
See full plan details and enrollment pricing on our Membership Plan page.
$345
per year, single memberOptions to add a spouse or dependents, with no waiting periods and no deductibles.
Learn MoreAccepted Insurance Plans
Complete Smiles accepts Cigna, Delta Dental, UnitedHealthcare, and most major PPO plans, plus Medicaid, though exact coverage varies by office. Call your preferred location directly to confirm your specific plan.
Using Your Insurance
Getting the most from your benefits starts before your first appointment. Our team reviews your plan and verifies your coverage, so you know what to expect once treatment begins.
- Have your insurance information ready when you schedule, and bring your card to your consultation, so we can verify your benefits and help keep your out-of-pocket cost as low as possible
- Complete the insurance section of your New Patient Registration Forms ahead of time, so your visit moves quickly
- We bill your insurance company directly as a service to you, and file your claims once treatment starts
- We estimate your coverage as accurately as we can based on your plan, though your insurance company makes the final determination, and any portion it doesn't cover is due according to your plan's terms
- Orthodontic coverage often works differently than regular dental coverage, with its own lifetime benefit. We review your plan to find out exactly what applies to your treatment
Have questions about your coverage? Our team is always glad to walk you through it.
Payment Options
Ways to Pay
We keep payment simple, however you'd like to cover your visit.
Cards & Cash
Every Office
Cash, check, Visa, Mastercard, Discover, and American Express, accepted at all three offices.
Membership
Complete Smiles Plan
Our in-house membership plan, built for patients without insurance, starting at $345 a year.
Insurance
PPO & Medicaid
Traditional PPO insurance and Medicaid, with benefits verified before treatment begins.
Financing
Cherry & CareCredit
Both built around a monthly payment you can plan for, available at every office.
Financing
Sunbit & Proceed
Two additional financing options available at our Redwood Road office.
Questions
Talk It Through First
Call your office and we’ll walk through the numbers before you’re in the chair.
Financing Options
Flexible Financing
- Apply online in minutes, with a simple approval process
- Break the cost of treatment into a monthly payment that fits your budget
- Use it for anything from a same-day crown to a full set of implants
- Available whether or not you carry dental insurance
Complete Smiles Plan
Our own in-house membership plan with same-day approval, built especially for patients without insurance, not just those who have it.
Cherry
Flexible monthly payment plans that make it easy to spread the cost of care over time.
CareCredit
A trusted healthcare financing option with terms that fit a monthly number you can plan for.
Sunbit & Proceed
Additional financing options available at our Redwood office for even more flexibility.
New Patient Specials
Book now and save with our current offers, available at all three offices.
New Patient Exam + Pano
Includes cleaning, digital X-rays, panoramic X-rays, and exam.
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New Patient Exam
Includes cleaning, digital X-rays, and exam.
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Emergency Exam
Book your exam now and get out of pain fast!
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Dental Implant Consult
Book your free no-risk, no-cost consultation to see what’s possible for your smile.
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Dental Implants
Get your smile back starting at $150 per month!
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Veneers
Design your perfect smile starting at $199 per month!
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Connect With Us
Ready When You Are
Whether it's been six months or six years, we'll take it from here: judgment-free, unhurried, and on your schedule.
