Dental financing and insurance
Looking for an easier route to a great smile? Our compassionate care teams are in your corner and on your schedule, so your dental health journey is a smooth ride from start to finish, all in one place.
Afford the care you need
99% of patients are approved for financing
Smile now, pay later. In just 3 easy steps you can apply through 3rd-party lenders, get approved and start your treatment that same day.
Our Patient Financing Promise
We strive for your total satisfaction—including with financing. That’s why our Patient Financing Promise allows you to cancel your financing within five days of accepting your offer. You’ll still be responsible for any treatment costs already incurred. Get started today at your local office.
Dental insurance
Discover the dental insurance options¹ that work seamlessly with Aspen Dental. Please note, we do not accept Medicaid.
¹Not all practices accept insurance. Please contact your local office for specific details about insurance coverage.
No insurance? No worries.
Get the dental care savings you need for a price you’ll love. Sign up today for only $49 per year.
Enjoy $0 down at Aspen Dental, plus 0 interest if paid in full within 18 months³
On purchases of $200 or more with the CareCredit credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum Monthly Payments required.
³No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For New Accounts as of 5/30/2024: Purchase APR 32.99%. Penalty APR 39.99%. Min Interest Charge $2. CareCredit Rewards Mastercard: Cash APR 32.99% and 4% Fee ($10 min). Bal Trans APR 32.99% and 5% Fee ($5 min). Foreign Trans Fee 3%. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Get care now, pay later
Helping to make care more accessible, we now offer Afterpay that lets you spread your payments over four interest-free installments.
For more ways to get care, we also accept Google Pay, Apple Pay, Mastercard, Visa, American Express and Discover.
Dental insurance and financing FAQs
What is dental financing?
At Aspen Dental, we’re dedicated to finding ways to make your payment options work for your life. We’ve vetted numerous lenders to find who we believe are the best partners for our patients, all so that you can get great care from a team who will treat you well and financing from a lender who will treat you well, too. With 99% of patients approved for financing when they apply through 3rd-party lenders, you can get approved and start your treatment that same day.
What types of dental financing are available?
You have a couple of options here. We can help you find the one that works best for your budget:
Loans with set monthly payments
Like traditional loans, this loan type provides a lump sum of money upfront that you pay off over a set number of months, typically in equal, monthly payments, known as installments. Payments include interest and you can repay the loan early without any penalties.
Credit card, with a line of credit
Some of our lenders are credit card companies, that will offer a line of credit
What if I have bad credit, or my credit score is not high?
At Aspen Dental, we don’t focus on the past because the future of your smile is what matters most. Your credit should not be an impediment to getting great oral healthcare. That’s why we’re continually adding new levels of lenders to our application process and increasing dental loan options so that financing is available to you even if you have had difficulties in the past.
Can I use my Medicare Advantage coverage?
Many Aspen Dental offices do work with Medicare Advantage to cover certain services. Check with your local office to see if the services you need are covered.
Does Aspen Dental take Medicaid?
No, we do not currently accept Medicaid. At Aspen Dental, we want to make sure you’re always covered, which is why we provide you options for third-party lenders that offer dental financing options so you can choose what’s best for your budget if you’re without insurance or your insurance isn’t accepted at your local Aspen Dental office.
Who is my dental financing lender?
Aspen Dental is not the lender. Aspen Dental has researched numerous third-party lenders in the market for our patients. We provide you options for third-party lenders so you can choose which is the best option for you. You’ll have full transparency on who your lender is at the time of application.
How to pay for dental work with no money?
If you're struggling to afford dental work due to limited funds, Aspen Dental has viable solutions for you. We provide you with vetted options for third-party lenders so you can choose which works best for you. Moreover, you can consider joining our Aspen Dental Savings Plan, which is designed to provide cost-effective dental care for those that don't have insurance. These options ensure that you have access to essential dental treatments without sacrificing your financial well-being.
What insurance does Aspen Dental take?
Aspen Dental accepts a variety of dental insurance plans. It's recommended to contact your local Aspen Dental office directly to inquire about specific insurance providers and coverage details. This ensures accurate and up-to-date information tailored to your location and insurance plan. Learn more about insurance plans accepted by Aspen Dental.
What insurance covers dental implants?
Dental implant coverage can differ between insurance providers. While some dental insurance plans may provide partial coverage for certain aspects of the implant procedure, others may not cover it at all. To understand the extent of coverage for dental implants and associated costs, it is important to review the specifics of your dental insurance policy or contact your insurance provider directly. Additionally, it is recommended to inquire about any waiting periods, limitations, or exclusions that may apply to implant-related procedures. Explore the insurance plans that we accept that can help you afford your dental implants.
How much is dental insurance?
The cost of dental insurance can vary significantly depending on various factors, such as the type of plan, the level of coverage, and your location. Generally, basic dental insurance plans can cost anywhere between $20 to $80 per month. More comprehensive plans that offer additional coverage may have higher monthly premiums, which can be $100 or more. It is crucial to carefully review the plan details, including coverage limits, deductibles, and copayments, to determine the most suitable option for your dental care needs and budget.
Is dental insurance worth it?
The value of dental insurance depends on individual circumstances. Dental insurance can help you afford regular preventive care, such as cleanings and checkups, and more extensive treatments, as needed. It helps offset the costs of dental procedures and encourages regular preventive care, which is vital for oral health. However, if you cannot afford the monthly premiums for dental insurance, we offer the Aspen Dental Savings Plan, a membership program that offers discounts of up to 30% off dental services for a low annual membership fee of only $49 to make affording your care even easier.
Discover more for your smile
Meet with an Aspen Dental dentist today
Take the first step toward a smile you’ll love. Schedule an appointment today to get started.