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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.

Schedule appointment(800) 277-3633

Afford the care you need

Dental financing

Dental insurance

Dental savings plan

Our FAQs

AS EASY AS 1, 2, 3

Dental financing

Finance your care the same day you see us with third-party lenders that approve 9 out of 10 patients. Finance dentures, dental implants, Motto® clear aligners and more.

Apply in office

You can apply quickly and securely during your office visit.

See if you pre-qualify

See your options within minutes—without impacting your credit.

Get approved

9 out of 10 applicants are approved by our third-party lenders, plus you can get approved the same day you visit so you can start your treatment right then. Apply in office today.

An Aspen Dental dentist engaged in conversation with her patient.

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. To learn more, or to get started, give your local office a call to see what’s right for you.

Find an office near you

Dental insurance

Discover the dental insurance options that work seamlessly with Aspen Dental.

No insurance? No worries.

Get the dental care savings you need for a price you’ll love. Sign up today for only $39 per year.

Explore our plan
¹The Aspen Dental Savings Plan is NOT insurance. 
Please see plan terms and conditions for details.

Dental insurance and financing FAQs

Have more questions? We have answers.

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. Through all of our third-party lender relationships, Aspen Dental patient applications are approved 9 out ot 10 times.

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

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.

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.

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.

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.

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. 

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.

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.

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. 

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 $39 to make affording your care even easier.

Get started with easy financing

$0 down, plus 0 interest if paid in full within 18 months²

On purchases of $200 or more with your CareCredit credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Minimum monthly payments required.

²No 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 CareCredit credit card agreement terms. Subject to credit approval. Patients can apply for the CareCredit credit card in-practice at Aspen locations except in PA, NY, and VT. Patients in all states can apply at

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.

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