Financial

How will I know if my insurance covers a certain procedure?

We recommend getting in touch with your insurance to see what kind of coverage they offer. CarolinasDentist is in-network with Blue Cross Blue Shield, Cigna, Delta Dental, and Metlife, among others, and we would be happy to review your plan with you and provide more information about your coverage as well. Our team can also track, file, and update your claims on your behalf, so you can spend less time on paperwork and more time on your treatment plan and oral health.

Can I use CareCredit^® or Sunbit if I have dental insurance?

Yes! Both CareCredit and Sunbit can be used to cover any costs that are not covered by your dental benefits. Since cosmetic services are typically not covered by insurance, these flexible payment plans can be a great way to make cosmetic treatments more budget-friendly. Treatments like orthodontics and oral surgery are often partially covered by insurance, and a payment plan can be used to cover the remaining costs.

How do I find an in-network dentist?

Start by checking your dental insurance provider’s website or member portal for its directory of in-network dentists. You can also call the insurance company using the phone number on your insurance card to confirm whether a specific dental office participates in your plan. Keep in mind that participation can vary by plan, so confirming your specific coverage is the best way to avoid unexpected costs. CarolinasDentist is very insurance friendly, and we would be happy to review your plan to help maximize your dental benefits.

How do I choose between dental insurance and an in-house plan?

The right choice depends on your dental needs, budget, and available coverage. Dental insurance may be helpful if you already have a plan through your employer with benefits for preventive, restorative, or other dental services. An in-house dental plan can be a better option for patients who do not have insurance or whose insurance does not provide the coverage they need. We recommend comparing monthly or annual costs, included preventive services, discounts, deductibles, waiting periods, and annual maximums before choosing an option.

What’s the difference between in-network and out-of-network?

An in-network dentist has an agreement with your dental insurance company to provide care at negotiated rates. This often means you may have lower out-of-pocket costs for covered services. An out-of-network dentist does not have the same contracted agreement with your insurance provider, so your costs may be higher depending on your plan. Some dental insurance plans still provide benefits for out-of-network care, while others offer limited or no coverage. We always advise checking your plan details before receiving treatment.

Can I combine the in-house plan with my dental insurance benefits?

In most cases, an in-house dental plan cannot be combined with dental insurance for the same service. These plans are generally designed as alternatives to traditional insurance, rather than supplemental coverage. If you have dental insurance, our team can review your benefits and explain how they apply to your treatment. If you do not have insurance, our in-house plan may provide a cost-effective way to receive preventive and other dental care at a predictable price.