Affordable Dental Care
Multiple payment and financing options to make quality dentistry accessible
Making Dental Care Accessible
At Lincoln Smiles Dental, we believe that financial concerns should never be a barrier to receiving the dental care you need. We have developed a comprehensive approach to making quality dentistry affordable and accessible to everyone in our community.
We understand that dental care can represent a significant investment, particularly when extensive treatment is needed. That is why we work with most major dental insurance plans and offer multiple flexible payment options. Our goal is to help you find a solution that works within your budget while ensuring you receive the care necessary for optimal oral health.
During your consultation with Dr. Sepi, we will discuss your treatment needs, your insurance coverage, and your financial situation. We will never recommend treatment you cannot afford, and we will always present options at different price points whenever possible. Our front office team will work with your insurance to maximize your benefits and minimize your out-of-pocket costs.
If cost is a concern for a needed treatment, please bring it up with us directly. We can discuss alternative approaches, longer treatment timelines, or financing options that might make care more manageable. We are partners in your dental health, not adversaries pushing unnecessary treatment.
Insurance & Payment Options
Dental Insurance
We accept most major dental insurance plans, including PPO and fee-for-service plans. Please note that we do not accept HMO plans. Dental insurance can significantly reduce your out-of-pocket costs for preventive, basic, and major treatments.
We Accept:
- Delta Dental
- United Healthcare Dental
- Guardian Dental
- MetLife Dental
- Most Other Plans
Please bring your insurance card to your appointment, or call us before your visit and we can check your coverage and benefits. Most dental plans cover preventive care like cleanings and exams at 100 percent, basic care at 80 percent, and major restorative care at 50 percent.
Annual Maximums
Most insurance plans have annual maximums, typically ranging from 1000 to 2000 dollars per year. Once you reach this limit, your insurance stops paying and you pay out-of-pocket costs. Our team will help you understand your coverage limits and plan your treatment accordingly.
Payment Methods
We accept multiple payment methods to provide you with flexibility and convenience. Choose the option that works best for your situation.
Cash & Check
Traditional payment methods always welcome
Credit & Debit Cards
Visa, Mastercard, American Express, Discover
ACH & Bank Transfers
Electronic payment directly from your bank account
Payment Portal
Secure online payments available 24/7
In-Office Payment Plans
For larger treatment cases, we offer payment plans that allow you to spread costs across several months. No interest for qualified patients who pay on time.
CareCredit & Third-Party Financing
CareCredit Financing
CareCredit is a healthcare credit card designed for medical and dental expenses. It may offer promotional financing options that allow you to spread the cost of treatment over time. If you have a CareCredit card or would like to learn more about applying, our front office team can assist you during your visit.
Terms, rates, and approval are determined by CareCredit and are subject to change. Please visit CareCredit's website or ask our team for the most current details.
Questions about CareCredit? Ask our front office team during your next appointment.
Other healthcare financing options may also be available. Ask our team about all financing options during your consultation.
FAQ: Insurance & Financing
Do you accept my insurance?
We accept most major dental insurance plans. Please bring your insurance card to your appointment, or call us before your visit and we can verify your coverage and check if we participate with your plan.
What if I do not have insurance?
We offer discounted fees for uninsured patients and can discuss payment plans and financing options. Do not let the lack of insurance prevent you from getting needed care.
How much of my treatment will my insurance cover?
Most plans cover preventive care (cleanings, exams) at 100 percent, basic care at 80 percent, and major restorative work at 50 percent. Your specific coverage depends on your plan. We will help you understand your benefits.
Can I set up a payment plan?
Yes. For larger treatment cases, we offer in-office payment plans with no interest for qualified patients. We also accept CareCredit which offers zero percent financing for 6 to 24 months.
What is my insurance deductible?
Your deductible is the amount you must pay out-of-pocket before your insurance begins to cover your care. Most dental plans have annual deductibles ranging from 50 to 200 dollars. We can help you understand your specific deductible.
What is my annual maximum?
Your annual maximum is the total amount your insurance will pay per year, usually 1000 to 2000 dollars. Once you reach this limit, you pay 100 percent of remaining costs. We help you plan treatment to maximize your benefits.
Can I pay online?
Yes. We offer a secure online payment portal available 24/7. You can pay your balance anytime from home. Visit our payment portal to get started.
What if I cannot afford treatment?
Please talk to us. We can discuss alternative approaches, extend treatment over time, or help you explore financing options. We want to help you achieve optimal oral health within your budget.
Questions About Insurance or Payment?
Our front office team is experienced with insurance verification and payment arrangements. Do not hesitate to ask us anything about your costs or payment options.
Call us to discuss:
Your insurance coverage and benefits
Payment options for your treatment
Financing and payment plan arrangements
Our team is available during office hours to answer your questions
Ready to Discuss Your Treatment Options?
Schedule a consultation with Dr. Sepi. We will discuss your dental needs, explain your treatment options at different price points, and help you find a solution that works for your budget.