Insurance & Payment Plans
Straightforward about cost, before treatment starts
Insurance, financing, and a membership plan for patients without coverage.
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 — no surprises on the way out.
Using your insurance
We work with many PPO dental plans and will help you understand your benefits and what they cover. Not sure if we take your plan? Call or text us at 754-240-4820 and we’ll check for you.
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 routine care — cleanings, exams, and X-rays — plus savings on other treatment. No deductibles, no claims, no annual maximums. Just straightforward care at a fair price.
Spreading out the cost
For larger treatment, we offer financing options so you can move forward on a schedule that works for your budget. We’re happy to walk through the numbers with you.
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 routine 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. Being independent means 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
FAQ
Frequently asked questions
Do you take my insurance?
We work with many PPO plans. Tell us your plan and we’ll check your benefits for you 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 — no deductibles, claims, or annual maximums.
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