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 work with many PPO dental plans 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 discounts other 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 work with many PPO dental plans 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.
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.
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, 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