Insurance & Financing

We accept most major insurance plans and offer flexible financing options, including CareCredit and Cherry, so quality dental care is within reach.

Quality Care Shouldn't
Be Out of Reach

At Gem State Smiles, we believe everyone deserves access to excellent, affordable dental care, so we offer a variety of insurance, financing, and membership options to fit your budget. Whether you have dental insurance, want flexible payment options, or don’t have coverage, our team is here to help you find a path forward so cost never stands between you and the smile you deserve.

Insurance We Accept

We are proud to be in-network with several major carriers, and our team is happy to help you understand your specific benefits before treatment begins. We currently accept:

  • Delta Dental
  • Blue Cross
  • Aetna
  • Ameritas
  • United Healthcare
  • Over 100 more

If you have questions about what your plan covers, whether it’s for a routine cleaning or a bigger procedure, our front office team can walk you through your coverage so there are no surprises.

Flexible Financing Options

For patients who need more flexibility, we offer financing through Cherry and CareCredit, both of which let you spread the cost of treatment over time. These options make it easier to move forward with the care you need now rather than waiting until it becomes an emergency.

Our In-House Membership Plan

We also offer an in-house membership plan for patients who don’t have dental insurance, giving you access to preventive care and predictable pricing without the commitment of a traditional insurance policy. This plan is designed specifically for our uninsured patients and families who still want consistent, quality care at Gem State Smiles.

Frequently Asked Questions

We know that navigating insurance and payment options can feel overwhelming, so we’ve answered some of the questions we hear most often from our patients. If you don’t see your question below, our team is always happy to help.

Do I need insurance to be seen at Gem State Smiles?

No. While we accept several major insurance plans, we also offer an in-house membership plan and financing options through Cherry and CareCredit, so you can still receive quality care even without dental insurance.

Our front office team will review your benefits with you in advance so you know exactly what to expect, and we can discuss financing options to help cover any remaining balance.

Our membership plan gives uninsured patients access to preventive care and predictable pricing without the commitment of a traditional insurance policy. Contact our office for full details on what’s included.

Both Cherry and CareCredit offer a simple application process, and our team can walk you through how each option works so you can choose what best fits your budget.