We Accept Your Insurance —
And Work With Your Budget
We accept 14+ insurance plans including Medicaid. No insurance? No problem — our no-credit-check financing means everyone can afford quality dental care.
Insurance Plans We Accept
Don't see yours? Call us — we likely accept it or can work something out.
Medicaid
GovernmentCHIP / KidCare
GovernmentDelta Dental
PPOCigna Dental
PPOAetna Dental
PPOMetLife Dental
PPOUnited Healthcare
PPOHumana Dental
PPOGuardian Dental
PPOBlueCross BlueShield
PPOAmeritas
PPOCareington
DiscountAssurant Dental
PPOPrincipal Financial
PPODon't see yours?
Call us →Free Insurance Verification
We'll verify your benefits before your appointment — no surprises, no hidden fees.
What Does Dental Insurance Typically Cover?
Coverage varies by plan. This is a general guide — we'll verify your exact benefits for free.
| Service | Typical Coverage |
|---|---|
| Preventive Care (Cleanings, X-rays) | Up to 100% |
| Basic Restorative (Fillings) | 70–80% |
| Major Restorative (Crowns, Root Canals) | 50% |
| Orthodontics (Braces) | $1,000–$2,500 |
| Oral Surgery (Extractions) | 50–80% |
| Dental Implants | Varies |
| Teeth Whitening | Not covered |
| Emergency Exams | 80–100% |
No Credit Check Financing — Everyone Qualifies
Don't have insurance or need help covering your out-of-pocket costs? Our in-house financing has no credit check, no interest, and no third-party lenders. Everyone qualifies — regardless of credit history.
- No credit check — everyone qualifies
- Start treatment with a small down payment
- Monthly payments from $99.88/month
- No interest on in-house plans
- Combine with insurance to reduce costs
- Available for all treatments
Braces (1 person)
Total: $2,988.88
Bring a Friend Braces Deal
Total: $4,988.00
Dental Implant
Total: From $2,788.88
Crown
Total: $800.88–$1,200.88
Payments vary based on down payment. Ask us for a custom quote.
FSA Accepted
Use your Flexible Spending Account for cleanings, fillings, crowns, braces, and more.
HSA Accepted
Health Savings Account funds are welcome for most dental treatments at Cool Smilez.
Superbills Available
Need documentation for reimbursement? We provide detailed superbills upon request.
Insurance & Financing FAQ
Everything you need to know about paying for dental care at Cool Smilez.
Let Us Handle the Insurance Details
Our team will verify your benefits, explain your coverage, and help you maximize your insurance — all before your first appointment. No surprises, ever.