Dental Insurance & Financing in Columbia, SC
We accept most PPO dental insurance plans and file claims on your behalf. No insurance? We have options for you too.
Cost should never prevent you from getting the care you need. We provide written estimates before any treatment begins — no surprises, ever.
Insurance Plans We Accept
We work with most major PPO dental insurance carriers. If your plan is listed below, you're covered. If it's not, call us anyway — we work with hundreds of carriers and can verify your specific plan.
How Insurance Works at Our Office
Schedule
Book online or call us. Tell us your carrier and plan info.
We Verify
We call your carrier and confirm your benefits before your visit. No guessing.
We File
After your visit, we handle all claims and paperwork. You pay your estimated share.
What Dental Insurance Typically Covers
Every plan is different, but most PPO dental insurance follows this general structure. We'll verify your specific benefits before any treatment.
- Cleanings (2 per year)
- Exams and check-ups
- X-rays (bitewing, panoramic)
- Fluoride treatments
- Oral cancer screening
- Composite fillings
- Simple extractions
- Root canals (anterior)
- Periodontal treatment
- Crowns and bridges
- Dental implants
- Dentures and partials
- Surgical extractions
Annual maximum: Most plans cap annual benefits at $1,000–$2,000. We help you plan treatments strategically to maximize your benefit — and CareCredit covers anything beyond your capso you're never stuck choosing between your health and your budget.
CareCredit Financing
CareCredit is a healthcare credit card that lets you pay for dental treatment over time — often with 0% interest promotional periods.
Monthly Payment Example
Examples shown at standard promotional rates. Your terms may vary based on creditworthiness.
Soft credit check — no impact on your credit score.
No Insurance? No Problem.
You shouldn't have to choose between your budget and your health. We have multiple options to make dental care affordable without insurance.
0% interest promotional periods. Pre-qualify online in minutes with no credit impact. Use immediately for your treatment.
For qualifying treatments, we offer direct payment arrangements. Split your cost into manageable payments with no third party.
Dental care is an eligible expense. Bring your HSA/FSA card and use pre-tax dollars for treatment. FSA funds expire — use them before year-end.
You'll always know what treatment costs before it begins. No surprise bills, no hidden fees, no pressure. Take the estimate home and decide on your own time.
Call (803) 771-7695 to discuss your situation — we'll find an option that works for your budget.
Accepted Payment Methods
Payment is due at the time of service unless other arrangements have been made in advance. We accept:
How We Help You Maximize Your Benefits
Dental insurance benefits reset annually — unused benefits don't roll over. Our team helps you get the most from your plan:
Insurance & Financing — Frequently Asked Questions
Do you accept my dental insurance plan?
We accept most major PPO dental insurance plans including Delta Dental, BlueCross BlueShield, Cigna, Aetna, MetLife, United Healthcare, Guardian, and many others. Call (803) 771-7695 and we'll verify your specific plan before your visit — no surprises.
Will you file insurance claims for me?
Yes. We handle all insurance paperwork and file claims on your behalf. You pay your estimated copay or coinsurance at the time of service, and we manage the rest directly with your carrier.
What if I don't have dental insurance?
No insurance doesn't mean no care. We offer CareCredit financing (0% interest promotional periods available), in-office payment arrangements for larger treatments, and accept HSA/FSA cards. We also provide written estimates so you always know costs before treatment begins.
How much will my dental visit cost?
Cost depends on your insurance plan and the treatment needed. We always provide a clear, written estimate before beginning any work — no surprises. For a routine cleaning and exam with insurance, most patients pay $0–$50 out of pocket after their plan's preventive benefit applies.
What does dental insurance typically cover?
Most PPO plans cover preventive care (cleanings, exams, X-rays) at 80–100%, basic procedures (fillings, extractions) at 70–80%, and major procedures (crowns, bridges, implants) at 50%. Plans vary — we verify your specific benefits before treatment and maximize your coverage.
What is an annual maximum, and how does it affect me?
Most dental insurance plans cap what they'll pay annually — typically $1,000 to $2,000. Once you hit that cap, remaining costs are out-of-pocket for the year. We help you plan treatments strategically to maximize your annual benefit, and CareCredit covers anything beyond your cap.
Do you offer payment plans for expensive treatments?
Yes. CareCredit offers promotional financing from 6 to 60 months, often at 0% interest for qualified applicants. For example, a $5,000 implant treatment is approximately $84/month over 60 months. We also offer in-office payment arrangements for qualifying procedures.
Can I use my HSA or FSA card for dental care?
Yes. Dental care is an eligible expense for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Bring your HSA/FSA card to your appointment and we'll process it like a debit card. Remember: FSA funds typically expire at year-end, so use them before you lose them.
Do I need a referral to see you?
No. PPO dental insurance plans let you choose your own dentist without a referral. Simply call us or book online — no gatekeeper, no paperwork from another provider needed.
What if I need treatment that costs more than my insurance covers?
We discuss all costs upfront before any work begins. For the portion beyond your insurance coverage, we offer CareCredit financing, in-office payment arrangements, and accept HSA/FSA funds. We'll walk you through every option so cost never prevents you from getting the care you need.
Ready to Get Started?
Our team will verify your insurance before your first visit — no surprises. Book online in 60 seconds or call us to ask questions.
Mon–Wed 8 AM – 5 PM | Thu 8 AM – 3 PM