Financing

Affordable Dental Care, Insurance, and No Credit Check Financing in Hialeah and Miami Gardens

Medicaid accepted. Most insurance plans accepted. 0% in-house financing and no credit check payment plans available for exams, cleanings, braces, implants, and more.

May 17, 2026 6 min readCool Smilez Family Dentistry
Affordable dental care and financing options at Cool Smilez

Dental Care That Fits Your Budget

Looking for an affordable dentist near me, dentist without insurance, dentist that accepts insurance, dentist that accepts Medicaid, dental payment plans, no credit check dental financing, or 0% interest dental payment plans in Hialeah or Miami Gardens? Cool Smilez Family Dentistry & Orthodontics helps make dental care more accessible for families across South Florida.

Many patients delay dental care because they are worried about cost. At Cool Smilez, we believe families deserve affordable dental care, clear pricing, and flexible payment options — regardless of their insurance status or credit history.

Insurance We Accept

We accept all insurances and work with most major dental insurance plans, including:

  • Medicaid — for children and adults at both locations
  • Delta Dental
  • Cigna
  • Aetna
  • MetLife
  • Guardian
  • United Concordia
  • Humana
  • And many more — call us to verify your specific plan

We will verify your benefits before your appointment and explain exactly what is covered so there are no surprises.

No Credit Check Financing

No insurance? No credit? No problem. We offer no credit check financing on most services — approved in minutes with no hard credit pull. This means you can get the dental care you need today and pay over time in manageable monthly installments.

  • Monthly payments from $99.88/month
  • 0% in-house financing on most services
  • No credit check required on most plans
  • Quick approval — often same-day
  • Available for braces, implants, crowns, cleanings, and more

Bring a Friend Special: Two patients can start orthodontic treatment together for just $4,988.00 — a significant savings compared to individual pricing. Perfect for siblings, parent and child, or friends starting braces at the same time.

Our Pricing

We believe in transparent pricing. Here are some of our most popular services:

  • Braces — from $2,988.88
  • ClearCorrect clear aligners — from $3,588.00
  • Bring a Friend (two patients) — $4,988.00
  • Dental implants — from $2,788.88
  • Monthly financing — from $99.88/month

Visit our Pricing page for the full list, or call us for a personalized quote.

What Services Are Covered?

Financing and insurance coverage is available for:

  • Dental exams, cleanings, and X-rays
  • Fillings, crowns, bridges, and dentures
  • Braces and clear aligners
  • Emergency dental care
  • Pediatric dentistry
  • Oral surgery and extractions
  • Dental implants
  • Cosmetic dentistry

Our Two Locations

Cool Smilez Hialeah

7150 W. 20th Ave, Suite 103, Hialeah, FL 33016

Cool Smilez Miami Gardens

21457 NW 2nd Ave, Miami Gardens, FL 33169

Credible affordable dental care resources: ADA — Finding Affordable Dental Care · Florida Board of Dentistry

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Affordable Dental Care for Your Family

Medicaid accepted. No credit check financing. New patients welcome at both Hialeah and Miami Gardens locations.