Understanding your dental insurance coverage before your appointment helps you plan for treatment with confidence. At Smile Craft Dental, we accept a wide range of PPO insurance plans at our Redwood City and Sunnyvale locations, and our front desk team is available to help you verify your benefits before your visit. Whether you are a new or returning patient, we work to make the coverage process as straightforward as possible so you can focus on your care.
In addition to PPO insurance, we offer flexible alternatives for patients without coverage, including Cherry and ScratchPay financing, FSA and HSA payment options, and our in-house membership plan through Clerri. Our goal is to ensure that cost is never a barrier to the quality dental care you deserve. You can learn more about all of our payment and financing options on our dedicated financing page.
Accepted Insurance Plans
We accept most major PPO dental insurance plans at both locations. Patients with the following plans are welcome at Smile Craft Dental:
- MetLife
- United Healthcare Dental
- Cigna Dental
- Humana Dental
- Aetna Dental
- Guardian
- Blue Cross Blue Shield
- Medicare Advantage
If you do not see your plan listed, please contact our office directly. Our team can check whether we participate with your specific plan or help you understand your out-of-network benefits.
Additional Payment Options
For patients without dental insurance or those looking to supplement their coverage, Smile Craft Dental offers several additional payment options to help make care accessible.
Financing: We partner with Cherry and ScratchPay to provide flexible monthly payment plans for treatment. Both platforms offer quick online applications and transparent terms with no hidden fees. Cherry plans range from short-term interest-free options to extended 60-month terms for approved applicants, while ScratchPay offers 12- to 36-month plans for treatment amounts between $200 and $10,000.
HSA and FSA: Health Savings Account and Flexible Spending Account funds are accepted for most dental procedures. Our team can provide itemized receipts for reimbursement claims. Learn more on our FSA and HSA resource page.
Membership Plan: Patients without insurance can enroll in our in-house membership plan through Clerri. Plans start at $32 per month for children and $40 per month for adults, and include preventive care visits plus discounts on additional procedures. See our membership plan page for full details.
Standard Payment Methods: We accept cash, check, and all major credit cards including Visa, Mastercard, American Express, and Discover.
How to Verify Your Insurance Before Your Visit
We recommend contacting our office before your appointment so our team can verify your coverage and provide an estimate for any planned treatment. You can also call your insurance provider directly using the member services number on your insurance card. According to the American Dental Association, understanding your plan’s annual maximum, deductible, and covered procedure categories before treatment helps you avoid unexpected costs.
When you call our office, it helps to have your insurance card handy so we can confirm your plan name, group number, and member ID. Our team will walk you through what your plan covers and outline any out-of-pocket costs before your appointment begins.
Frequently Asked Questions
What PPO insurance plans do you accept?
We accept most major PPO dental insurance plans including MetLife, United Healthcare Dental, Cigna Dental, Humana Dental, Aetna Dental, Guardian, Blue Cross Blue Shield, and Medicare Advantage. If your plan is not listed, call our office and we can verify your benefits directly.
Do you accept out-of-network insurance?
Yes. Patients with plans we are not in-network with may still be seen as out-of-network patients. We can provide the necessary documentation for you to submit a claim to your insurance company for reimbursement. Contact our front desk for details on how this works for your specific plan.
Can I use my HSA or FSA at Smile Craft Dental?
Yes. We accept Health Savings Account and Flexible Spending Account funds for most dental procedures. We provide itemized receipts to support your reimbursement claims. If you have questions about which procedures qualify, our team can assist you.
What if I do not have dental insurance?
Patients without insurance can take advantage of our in-house membership plan, which starts at $32 per month for children and $40 per month for adults and includes preventive care plus discounts on additional treatments. We also offer third-party financing through Cherry and ScratchPay with flexible monthly payment options.
How do I verify my coverage before my appointment?
Call our Redwood City office at (650) 880-1550 or our Sunnyvale office at (650) 967-9900 before your visit. Have your insurance card ready so our team can confirm your plan details and provide a benefit estimate. You can also contact your insurance provider directly using the member services number on your card.
Schedule an Appointment at Smile Craft Dental
Our Redwood City and Sunnyvale teams are happy to help you navigate your insurance benefits and payment options before or at your appointment. Whether you are coming in for a routine cleaning, a cosmetic consultation, or a restorative procedure, we work to make the financial side of dental care as transparent and manageable as possible. Visit our contact page to request an appointment online, or call either location directly.