Dental insurance and financing, made simple
Everyone deserves quality dental care. We offer payment and financing options for accessibility and affordability.
Flexible financing solutions
Ideal Dental Plan (No Insurance)
Membership has its benefits. Ideal Dental Plan gives everyone the healthy and beautiful smile they deserve. We think dental plans should be like teeth, straightforward. That’s why we created a simple and cost effective dental plan that has no hidden fees, no limits, no extra lab fees, no waiting plans and no exclusions.
Healthcare Financing Direct (HFD)
CareCredit (Financing)
We help make it easy for people to get the care they want and need, right when they need it, without having to delay treatment or appointments. For over 30 years, CareCredit has been providing a valuable financing option for treatments and procedures that typically are not covered by insurance, or for times when insurance doesn't cover the full amount. CareCredit is also used by cardholders to pay for deductibles and co-payments.
CareCredit
Break the cost of treatment into manageable monthly payments, with special financing on qualifying purchases. Apply online in minutes, subject to credit approval.
HFD Financing
Apply in minutes with a soft credit check that won't affect your credit score. $0 down and 0% APR options available for those who qualify.
Ideal Dental Plan
No insurance? Our in-house membership keeps care simple with one flat annual fee — no deductibles, no annual maximums, and member savings on treatment.
In-network with the insurance you already have
We're in-network with these dental plans — we verify your benefits before your visit and file your claims for you, so using your coverage is simple.
Delta Dental
In-network with Delta Dental PPO and Premier. We verify your benefits before your visit and file your claims on your behalf, helping you make the most of your benefits before they reset.
Aetna
In-network with Aetna dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
MetLife
In-network with MetLife dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
Humana
In-network with Humana dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
UnitedHealthcare
In-network with UnitedHealthcare dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
Guardian
In-network with Guardian dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
Anthem BCBS
In-network with Anthem Blue Cross Blue Shield dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
Cigna
In-network with Cigna dental PPO plans. We verify your benefits before your visit and file your claims for you, so using your coverage is simple.
Plus many more plans accepted
Beyond the plans above, we accept a wide range of insurers. Don't see yours? We'll check your benefits for you when you book.
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Insurance questions, answered
A few common questions about using your dental insurance at Ideal Dental.
Does Ideal Dental take my dental insurance?
We're in-network with many major dental PPO plans, including Delta Dental, Aetna, Cigna, MetLife, Humana, UnitedHealthcare, Guardian, and Anthem Blue Cross Blue Shield. Participation can vary by office and plan, so we verify your specific coverage before your visit — just share your plan when you book.
Do you file my insurance claims for me?
Yes. Our team verifies your benefits before your visit and files your claims on your behalf, so you can use your coverage without the paperwork.
What if I don't have dental insurance?
You still have options. The Ideal Dental Plan is our in-house membership with one flat annual fee — no deductibles and no annual maximums — and we offer financing through CareCredit and HFD so you can spread the cost of care over time.
How do I find out what my plan covers?
Share your insurance when you book and we'll verify your benefits before your visit, then give you a clear estimate of your share before any treatment — an estimate based on your plan, not a guarantee of final payment.