Insurance & Payment Plans
Straightforward about cost, before treatment starts
Insurance, financing, and a membership plan for patients without coverage.
Do you take my insurance, and what if I don't have any?
We’re in network with many PPO plans (including Delta Dental, Florida Blue, Humana and Guardian) and file the claims for you. If you are between plans or uninsured, we offer an in-house membership plan that covers preventive care and offers member savings on eligible treatment, along with financing options — so your cost is clear before you commit.
Money shouldn’t be the confusing part of going to the dentist. We’ll give you a clear picture of what your care costs and what your options are before you commit to anything. Where a plan is likely to push back, we'll say so up front.
Using your insurance
We’re in network with many PPO plans (including Delta Dental, Florida Blue, Humana and Guardian) — the full list is below — and will help you understand your benefits and what they cover. Being in-network with a plan and accepting a plan are different things — we can be either, depending on the carrier, and it changes what you pay. Call or text 754-240-4820 and we’ll tell you which applies to your plan. Any benefit check we run is an estimate from your carrier, not a guarantee of payment; if the plan pays differently than estimated, we’ll tell you what changed and why.
No insurance? Our membership plan.
If you don’t have dental insurance, our in-house membership plan is a simple, affordable way to cover your preventive care — cleanings, exams, and X-rays — plus savings on other treatment. No deductibles and no claim forms. Straightforward care at a fair price — ask us for the current plan terms.
Spreading out the cost
For larger treatment, we offer financing so you can move forward on a schedule that works for your budget, and it can be used alongside your insurance benefits. We’re happy to walk through the numbers with you.
Financing is provided by Cherry, a third-party lender, and is subject to credit approval and the lender’s terms, including any applicable interest rate and repayment schedule. MSD Dental Studio does not extend credit and does not guarantee approval.
Insurance
Plans we’re in network with
Being in network depends on your specific plan, not just the company on the card — the same insurer can have one plan we’re in network with and another we aren’t. This is our list as of October 2026, from our credentialing records. Not sure which plan you have? Text a photo of the front of your card to 754-240-4820 and we’ll confirm before your visit.
| Insurance company | Plans we’re in network with |
|---|---|
| Aetna | Aetna Dental PPO plans and Aetna Medicare Advantage dental |
| Delta Dental | Delta Dental PPO, Delta Dental Premier and Delta Dental Medicare Advantage |
| Florida Blue | Florida Combined Life PPO and copay plans, BlueDental Access, and Florida Blue Medicare Advantage dental |
| Humana | Humana Dental PPO plans and Humana Medicare Advantage dental |
| Careington | Careington plans, and any plan that uses the Careington network |
| Connection Dental | Any plan that uses the Connection Dental network |
| Ameritas | Ameritas plans, through the Connection Dental network |
| Guardian | Guardian plans, through the Connection Dental network |
| Principal | Principal plans, through the Connection Dental network |
| United Concordia | United Concordia commercial plans, through the Connection Dental network (not United Concordia military plans) |
| Always Care (Unum / Starmount) | Always Care plans, through the Careington network |
| Anthem Blue Cross Blue Shield | Anthem Dental Complete and 300-series plans, through the Careington network (not Anthem Dental Prime, 100 or 200 plans) — Anthem BCBS of CO, CT, GA, IN, KY, ME, MO, NV, NH, NY, OH, VA and WI, and Blue Cross of California |
| Cigna | Cigna DPPO plans, through the Careington network (not Cigna DPPO Advantage) |
| Dental Network of America (DNoA) | DNoA plans, through the GRID Plus network — BCBS of Texas, Illinois, New Mexico, Oklahoma and Montana, and Dearborn National |
| GEHA | GEHA FEDVIP Standard and High Option, and Connection Dental Plus, through the Careington network |
| Lincoln Financial | Lincoln DentalConnect plans, through the Careington network |
| MetLife | MetLife PDP Plus and MetLife FEDVIP plans, through the Careington network (not MetLife PDP) |
| UnitedHealthcare | Many UnitedHealthcare dental plans, through the Careington network — it varies by plan, so we check yours |
Several insurers reach us through dental networks they rent — Careington, Connection Dental and GRID Plus. If your card names one of those networks, we’re in network. Out of network doesn’t mean you can’t be seen here; it means your plan pays a smaller share, and we’ll show you the difference in your estimate before you commit to anything.
Plans change their networks from time to time. We confirm your plan directly with your insurer before your first visit, and that check is what counts.
A note from Dr. Dillon
Friends outside dentistry ask me all the time: “What’s the best dental insurance?”
My background is in economics, so I tend to think in terms of incentives — and the honest answer is: it depends. In many cases, finding the right dental office for you matters more than finding the right plan.
Dental insurance works very differently from medical insurance. Most plans have an annual maximum — a cap on what they’ll pay each year — and those maximums have not kept pace with the rising cost of care. That means the benefit often covers far less than people expect. It can be helpful for cleanings, exams, and basic preventive care, but when more significant treatment is needed, the limits show up quickly.
Sometimes the coverage also doesn’t match the patient’s actual needs. A plan may pay toward something you don’t need, deny or limit something you do need, or make you wait before certain benefits become available. So when patients ask, “What am I really paying them for?” it’s a fair question.
Ultimately, it comes down to incentives. Our goal is to help you get healthy and stay healthy. A plan’s goal is to manage costs within its own rules. Our recommendations are based on what you actually need — not on what a plan reimburses.
Dental insurance can be useful, but it should be understood clearly. Sometimes it helps. Sometimes the math works better without the third party. Only you can decide what matters most for your situation; our role is to help you make that decision with clear eyes.
— Dr. Matthew Dillon, DDS, MAGD
How it works
What happens with your insurance, step by step
- We check your benefits first. Before treatment, we contact your insurer to confirm what your plan covers.
- You get an itemized estimate. Before any treatment begins, we show you what insurance is expected to pay and what your share will be.
- We file the claims. You don’t deal with the paperwork.
- If the plan pays differently, we tell you. A benefit check is an estimate from your carrier, not a guarantee of payment. If your plan pays less — or more — than we estimated, we’ll explain what changed and why.
Without insurance
Your first visit is $79
$79 comprehensive exam and full digital X-rays, including a $100 credit toward your initial cleaning or periodontal therapy. For new patients without dental insurance.
Your first visit is where we build a full picture of your dental health. Cleaning is not included in the $79 visit — which type you need is determined at the exam and scheduled separately.
Separately, implant and clear-aligner consultations are complimentary for everyone, insured or not. A consultation is a conversation about one treatment you’re considering; it isn’t the comprehensive examination above, and it doesn’t include full digital X-rays. Implant consultations include the 3D scan we use to plan that treatment.
FAQ
Frequently asked questions
Do you take my insurance?
Probably — see the list of plans we’re in network with on this page. In-network status depends on your specific plan, not just the company name, so text us a photo of your card and we’ll confirm before your visit.
What if I don’t have dental insurance?
Ask about our in-house membership plan: cleanings, exams, and X-rays plus savings on treatment, with no deductibles and no claim forms. We’ll walk you through the current terms.
Why was my estimate different from what insurance actually paid?
A benefit check is an estimate from your carrier based on what’s known before treatment. Plans sometimes apply a limit, a waiting period, or a frequency rule that doesn’t surface until the claim is processed. When that happens we’ll show you what changed and why.
Can I use the membership plan and insurance together?
No — the membership plan is for patients without dental insurance. If you have coverage, we’ll help you get the most out of it.
Can I finance larger treatment?
Yes — we offer financing so you can move forward on a schedule that fits your budget. We’ll walk through the numbers with you.
Clear pricing, before treatment starts.
Tell us your plan and we’ll check your benefits — or ask about our membership plan.
Ask us about your options Or call or text 754-240-4820