07 · Insurance + Financing
Named carriers, not “most plans.”
Here's the actual list. If yours isn't here, call us; we'll tell you in 60 seconds whether we can work with it.
Accepted carriers
These are the names.
Eighteen carriers we directly accept — alphabetized below. If yours isn’t on the list, that’s a 60-second phone call: we’ll tell you what it’ll cover and what we’d quote out-of-pocket.
- Aetna
- Ameritas
- Anthem
- Blue Cross of Idaho
- Cigna
- Delta Dental
- GEHA
- Guardian
- Humana
- Lincoln Financial
- MetLife
- Pacific Source
- Premera Blue Cross
- Principal
- Regence Blue Shield
- Sun Life
- United Concordia
- United Healthcare
Yours not here? Call (208) 555-1212 — we’ll tell you in 60 seconds whether we can work with it.
Cash-pay cosmetic
Cosmetic is cash-pay. We publish the number.
Insurance typically doesn’t cover cosmetic dentistry. The standard industry move is to keep pricing opaque so the consult becomes a sales surface. We’d rather publish entry prices up front. The full quote is written line by line at your consult.
Composite bonding
Smile design starts at
$4,500.
Six anterior teeth, composite-bonding entry. Same-day work. Full quote scales with case complexity — written line by line before we start.
Clear aligners
Invisalign limited starts at
$3,500.
Limited / single-arch entry. Full-arch and complex cases priced at consult. Includes refinement trays and one set of retainers.
Whitening
Take-home custom trays
$395.
Custom-fit upper + lower trays, professional-grade gel, three-week protocol. Office-side whitening available; we usually recommend take-home for the better long-term result.
The insurance-routed quote is the bill.
For insurance-routed work — cleanings, fillings, crowns, restorative — the quote you get before the appointment is the number you pay after. Your responsibility plus what your carrier covers. If the carrier underpays compared to what we quoted, that’s our problem to resolve with them, not yours.
For the uninsured
Smile Club.
Annual membership for patients without dental insurance. Two cleanings, two exams, and X-rays included. Fifteen percent off everything else. No claims paperwork.
One flat rate per year.
Cancel any time. Membership transfers if you move (we’ll refund the unused months). The 15% discount applies the day you join — including the smile-design quote you booked last week.
Send an inquiry
Tell us what fits.
No insurance, or wondering if Smile Club fits? Send the form — we’ll get back to you within one business day with the membership terms in plain English, billing options (annual or monthly), and a link to schedule your first cleaning.
No commitment to enroll until you say so. The 15% discount applies the day you join — including any quote you’ve already booked.