Comprehensive Insurance and Payment Solutions
With locations in Redwood City and Sunnyvale, we work with most major insurance providers and offer flexible financing options to make your dental care more accessible. Our patient resources are designed to help you understand your coverage and payment options. Our team takes the time to explain your benefits clearly and help you find the best approach for your budget, because excellent oral health shouldn’t be out of reach.
“At Smile Craft Dental, we make insurance and financing straightforward so you can focus on your smile.”
Financing Information
Making Your Treatment Affordable
We partner with Cherry and ScratchPay to provide flexible financing options for your dental care. These payment solutions let you receive treatment now and pay over time in manageable monthly installments. Both platforms offer quick online applications that won’t impact your credit score, with approval decisions typically provided within minutes.
Cherry offers payment plans ranging from six weeks of interest-free payments to 60-month terms with qualifying 0% APR or rates as low as 5.99% for approved applicants. Patients can finance treatments up to $50,000, making even extensive procedures accessible. The application process takes less than 60 seconds, and you’ll have access to a 24/7 self-serve patient portal to manage your payments. ScratchPay offers similar flexibility with 12- to 36-month plans for amounts between $200 and $10,000, with transparent terms and no hidden fees or prepayment penalties.
We also accept major credit cards and payment processing systems for your convenience. If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), these tax-advantaged options can be used for most dental procedures, and our staff can provide the documentation you need for reimbursement. Our administrative team is available to assist with financing applications and answer questions about payment options during your visit.
“These payment solutions let you receive treatment now and pay over time in manageable monthly installments.”
Membership Plans
For patients without insurance, we offer comprehensive membership plans through Clerri that provide excellent value and predictable costs. These plans include preventive care and discounts on additional treatments, with flexible payment options to fit your budget.
Child Complete
$32/mo or $384/yr (Save $271/yr)
WHAT’S INCLUDED IN YOUR PLAN
- 2 Professional cleanings and checkups
- 2 Professional cleanings
- 2 Regular exams
- 1 Fluoride treatment
- Routine x-rays
- 1 Emergency exam
- Save up to 20% on procedures completed at our practice
Adult Complete
$40/mo or $480/yr (Save $687/yr)
WHAT’S INCLUDED IN YOUR PLAN
- 2 Professional cleanings and checkups
- 2 Professional cleanings
- 2 Regular exams
- Routine x-rays
- 1 Emergency exam
- Save up to 20% on procedures completed at our practice
Perio
$62/mo or $744/yr (Save $489/yr)
WHAT’S INCLUDED IN YOUR PLAN
- 3 Perio maintenance procedures and checkups
- 3 Perio maintenance
- 2 Regular exams
- Routine x-rays
- 1 Emergency exam
- Save up to 20% on procedures completed at our practice
DISCLOSURE: Treatment costs vary based on individual needs and complexity. Insurance reimbursement depends on your specific plan benefits and coverage levels. Financing options are subject to credit approval through our third-party partners.
“For patients without insurance, we offer comprehensive membership plans that provide excellent value and predictable costs.”
Insurance Information
Coverage We Accept
We work with most PPO dental insurance plans to maximize your benefits and minimize out-of-pocket costs. According to the Office of Disease Prevention and Health Promotion, patients with dental insurance coverage are more likely to receive consistent oral health care, which is why we make the insurance process as straightforward as possible. Our team handles the claims submission process and works directly with your insurance provider to determine coverage.
We participate in networks with major insurance carriers, including but not limited to Anthem, Cigna, Guardian, and MetLife. Even if we’re not directly contracted with your specific PPO plan, we still accept it and will process your claims as an out-of-network provider. We verify your benefits before treatment and provide detailed cost estimates so you know exactly what to expect. After your appointment, we submit claims electronically for faster processing and provide documentation for any follow-up your insurance company may require.
- Anthem
- Cigna
- Guardian
- Metlife
- Most PPO Plans
If you have any questions about your insurance coverage or options, please give our office a call or email us, including your contact information.
Frequently Asked Questions
How does insurance reimbursement work if you’re out-of-network?
We submit claims on your behalf, and you receive reimbursement directly from your insurance company, typically within 30 to 60 days. We provide detailed documentation to support your claim.
What financing options are available for patients without insurance?
Our membership plans provide comprehensive coverage at predictable monthly rates, and we offer payment plans through Cherry and ScratchPay with flexible terms to fit your budget.
Can I use my FSA or HSA for dental treatments?
Yes, most dental procedures qualify for FSA and HSA funding, and we provide itemized receipts for your reimbursement claims.
Dental Terminology
Open EnrollmentThe open enrollment period is the time of year when someone can enroll in a health insurance plan.
OrthodonticsOrthodontics is the specialty branch of dentistry that deals with preventing and correcting teeth and jaw irregularities.
Call Us Today
Dental insurance and flexible financing can help you offset the cost of dental care. Smile Craft Dental can help you learn more about what your plan covers and which payment options are available to you. Call us today at (650) 880-1550 to learn more about our services or schedule an appointment.
Helpful Related Links
- American Dental Association (ADA). Glossary of Dental Clinical Terms. 2023
- American Academy of Cosmetic Dentistry® (AACD). Home Page.
2023 - WebMD. WebMD’s Oral Care Guide. 2023
About our business, license, and website security
- Smile Craft Dental was established in 2019.
- We accept the following payment methods: American Express, Cash, Check, Discover, MasterCard, and Visa
- We serve patients from the following counties: San Mateo County and Santa Clara County
- We serve patients from the following cities: Redwood City, San Carlos, Atherton, Redwood Shores, Menlo Park, Woodside, Palo Alto, East Palo Alto, Belmont, and San Mateo
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