Insurance & Financing | Cool Smilez — Hialeah & Miami Gardens
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Insurance & Financing

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.

Medicaid Accepted
No Credit Check Financing
All Major PPOs
FSA & HSA Welcome

Insurance Plans We Accept

Don't see yours? Call us — we likely accept it or can work something out.

🏛️

Medicaid

Government
👶

CHIP / KidCare

Government
🦷

Delta Dental

PPO
🔵

Cigna Dental

PPO
🟣

Aetna Dental

PPO
🏢

MetLife Dental

PPO
🟢

United Healthcare

PPO
🌿

Humana Dental

PPO
🛡️

Guardian Dental

PPO
🔷

BlueCross BlueShield

PPO

Ameritas

PPO
💙

Careington

Discount
🏦

Assurant Dental

PPO
📊

Principal Financial

PPO

Don't see yours?

Call us →

Free Insurance Verification

We'll verify your benefits before your appointment — no surprises, no hidden fees.

Verify My Insurance

What Does Dental Insurance Typically Cover?

Coverage varies by plan. This is a general guide — we'll verify your exact benefits for free.

ServiceTypical 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 ImplantsVaries
Teeth WhiteningNot covered
Emergency Exams80–100%
No Insurance? No Problem.

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

From $99.88/mo

Bring a Friend Braces Deal

Total: $4,988.00

From $149.88/mo

Dental Implant

Total: From $2,788.88

From $99.88/mo

Crown

Total: $800.88–$1,200.88

From $75.88/mo

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.

We accept most major dental insurance plans including Medicaid, CHIP, Delta Dental, Cigna, Aetna, MetLife, United Healthcare, Humana, Guardian, BlueCross BlueShield, and many more. Call us and we'll verify your benefits for free.

Our team will verify your insurance benefits before your appointment at no charge. We'll explain exactly what's covered, what your copay will be, and what you'll owe out of pocket — no surprises.

No insurance? No problem. We offer in-house financing with no credit check required. Everyone qualifies. You can start treatment with a small down payment and pay the rest in affordable monthly installments.

Florida Medicaid covers orthodontic treatment for children when it's deemed medically necessary — typically for significant bite problems or severe crowding. Our team can help determine if your child qualifies.

Coverage for implants varies widely by plan. Some PPO plans cover a portion of implant costs; many do not. We'll verify your specific benefits and help you understand all your payment options.

Yes! Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) can be used for most dental treatments including cleanings, fillings, crowns, braces, and more. Cosmetic-only procedures like whitening are typically not eligible.

We offer no-credit-check in-house financing to cover any remaining balance after insurance. You can combine your insurance benefits with our payment plans to make treatment very affordable.

Yes — we work with Careington and other discount dental networks. We also offer our own in-house payment plans. Ask our team about the best option for your situation.

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.