Family and Cosmetic Dentistry in Tulsa
Insurance and payment
What this is going to cost
You should know the number before treatment starts, not after. Here is how insurance and payment work at this office.
Insurance we accept
Yes, we accept most PPO insurances, including Cigna, Aetna, Guardian, MetLife, Delta, and more. Our team will handle all the back and forth with the insurance companies so you do not have to.
Bring your card to your first visit. We check your benefits before treatment is planned, so what you are quoted reflects what your plan actually covers rather than an estimate you have to chase later.
What dental insurance usually covers
Most plans are built the same way. Preventive care, meaning exams, X-rays, and routine cleanings, is generally covered at or near full. Basic work such as fillings and simple extractions is usually covered at a lower percentage. Major work such as crowns, bridges, and dentures is covered at a lower percentage again, and often after a waiting period.
Two things catch people out. The first is the annual maximum, which is the total a plan will pay in a year and which has barely moved in decades. The second is that most plans do not cover cosmetic treatment at all. Knowing both up front is what stops a surprise.
If you have benefits left late in the year and treatment already planned, it is worth asking about scheduling before they reset.
If you do not have insurance
Plenty of our patients do not, and the new patient price is the same either way: $125 for an adult exam, X-rays, and cleaning, and $90 for a child.
For ongoing care, Smile Club is our in house membership. It is a flat monthly payment made directly to the practice covering your routine care here. Because no insurance company is involved there are no claim forms, no waiting periods, no annual maximum, and no argument about whether something qualifies.
It does not suit everyone. If you would spend less paying as you go, our team will tell you that rather than sign you up.
How we quote treatment
You get the cost of recommended treatment before it is booked, broken down by item, with what your plan is expected to cover and what you would pay. If a deep cleaning turns out to be necessary rather than a standard one, that is a separate treatment and it gets quoted separately rather than appearing on a bill afterwards.
Where treatment can be staged over time, we will say so and help you order it by what is urgent. Not everything has to happen at once, and pretending otherwise is how people end up doing nothing at all.
Two things worth timing
If you have benefits left late in the year and treatment already planned, ask about scheduling before they reset, because an unused annual maximum does not carry over. Equally, where a large plan of work would run past the maximum for this year, splitting it across two benefit years often saves a meaningful amount at no clinical cost. Our team will look at the dates with you rather than leaving you to work it out alone.
Ask before you book
If you want your benefits checked before committing to an appointment, call the office and our team will do it.