Insurance & financing
Insurance and financing.
We accept most dental plans, verify your benefits before your visit and offer monthly payment plans for anything your insurance does not cover.
Accepted plans
Most PPO plans accepted
The plans below are the ones we see most often. If yours is not listed, call us; we can almost always work with it.
- Delta Dental
- Aetna
- Cigna
- MetLife
- Guardian
- United Concordia
- Humana
- UnitedHealthcare
- Principal
- Ameritas
- and most PPO plans
Financing
Monthly payments
- Sunbit monthly payment plans, with no hard credit check to see if you qualify
- Approximately 85–90% of applicants approved, including less-than-perfect credit
- Written estimates before treatment, with your insurance portion shown
Every treatment plan comes with a written estimate showing your insurance portion and what you would pay, before anything is scheduled.
Call to verify your coverageFAQ
Insurance questions
Are you in-network with my plan?
We participate with most major PPO networks. Call us with your plan name and member ID and we will confirm in a few minutes.
What if my plan is not listed?
Most PPO plans allow you to see us with out-of-network benefits that are often very similar. We will file the claim for you either way.
Do you take Medicaid or HMO plans?
Plans vary year to year, so the quickest answer is to call (302) 656-8266 (Wilmington) or (302) 838-8600 (Bear) with your plan name and we will tell you on the spot.
How does financing work?
CareCredit and Sunbit offer monthly payment plans, including interest-free periods for qualifying patients. Applications take a few minutes and can be done in the office or online.
Do you have a plan for patients without insurance?
Yes. Ask about our in-house plan for uninsured patients, which covers preventive visits for a flat annual fee and discounts other treatment, and about monthly financing through CareCredit and Sunbit.
Ready to book?
New patients are welcome at both offices. Book online in under a minute, or call and a person will answer.