Dental insurance
See how your dental insurance works at Aspen Dental¹
At Aspen Dental we accept a wide variety of insurance plans and we’ll help you make the most of yours. From routine checkups to more complex care our team walks you through your coverage so getting the care you need feels simple and stress-free.
¹Not all practices accept insurance. Please contact your local office for specific details about insurance coverage.
Dental insurance 101
Dental insurance can feel complicated, but it doesn’t have to be.
We break down what you need to know below so you feel confident in your dental insurance coverage.
Accepted dental insurance plans
We accept most dental insurance providers, including Aetna, Delta Dental, Metlife and more, to ensure as much of your dental care is covered as possible. However, we do not accept Medicaid.
A - C
Aetna US Healthcare
Always Care Benefits (Dentemax Network)
Anthem — Unicare
Argus Dental Plans (Dentemax Network)
Blue Cross Blue Shield (BCBS) MI Medicare Advantage
Cigna
D - H
Delta Dental
Dominion National (Dentemax Network)
Guardian Life Insurance
Humana
M - Z
Medical Mutual of Ohio (Dentemax Network)
Metlife
Mutual of Omaha (Dentemax Network)
TruAssure (Denetemax Network)
United Concordia
United HealthCare
Understanding your dental insurance benefits
Dental insurance can feel complicated—but it doesn’t have to be.
At Aspen Dental we help you make sense of your coverage before treatment begins so you can get the most out of your benefits. Here’s what to keep in mind:
Take a few minutes to review your dental insurance plan details so you know what’s included—and what’s not.
Check for annual maximums, deductibles and coinsurance amounts.
Ask if specific services, like implants or orthodontic treatment are covered with your dental insurance.
At Aspen Dental, our team is here to help you make sense of your dental insurance and use it with confidence—allowing you to focus on keeping your smile healthy.
No dental insurance? No worries.
Not having dental insurance doesn’t mean you have to skip care. At Aspen Dental we make it simple to get the treatment you need with flexible payment options, payment programs and special offers that help make care more affordable. Our goal is to ensure cost never stands in the way of your health or your smile.
Dental implant insurance
Looking for information on accepted dental implant insurance coverage? Learn which providers we accept for dental implants.
Don't see your dental insurance provider?
If your insurance company isn't listed, that doesn't mean you can't be seen at Aspen Dental. Our team will work with you to verify your benefits, explain your options, and help you find the most affordable way to receive care.
Dental insurance FAQs
What happens if I do not have dental insurance coverage?
You can still receive care at Aspen Dental.
Even without insurance, Aspen Dental make it easy to get the care you need. Patients can join the Aspen Dental Savings Plan² to save on routine visits and treatments right away.
Aspen Dental also offers flexible financing options, with 99% of patients approved through third-party lenders. Whatever your situation, our team will help you find an affordable way to keep your smile healthy.
²The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
Can I use my dental insurance plan to pay for implants?
Yes. Aspen Dental partners with most dental insurance providers to help you get the care you need, including dental implants. We do not accept Medicaid.
Coverage varies by plan, and our team can help you review your dental implant insurance benefits before treatment. You can also check which providers we accept on our Dental Implant Insurance page.
What if my dental insurance doesn’t cover the full cost of my treatment?
If your dental insurance doesn’t cover the full cost of your preventative dental care, restorative or emergency dental services, we offer:
3rd party dental financing options help you manage your out-of-pocket expenses
Our Aspen Dental Savings Plan² for an alternative to dental insurance
New patient offers to apply to your first treatment plan with Aspen Dental
²The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
Does Aspen Dental accept medicaid for dental services?
No, Aspen Dental does not accept Medicaid.
If you don’t have dental insurance, there are still ways to make your dental care affordable. Aspen Dental offers flexible financing and payment options to help you get the treatment you need. You can also join the Aspen Dental Savings Plan², which lets patients save up to 30% on most services and treatments.
²The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
How can I verify my dental insurance coverage?
Our team can help you review your dental insurance plan before your visit, so you’ll know exactly what’s covered.
You can also contact your dental insurance provider directly for more details about your benefits, or find a dentist near you to discuss your coverage with a local Aspen Dental office.
Are there any exclusions or limitations to dental insurance coverage?
Yes, many dental insurance plans have exclusions or waiting periods for certain procedures. Our team at Aspen Dental can review your dental insurance plan with you before treatment, so you’ll know exactly what’s covered and can plan your care with confidence.
Can the Aspen Dental team help me understand my dental insurance?
Yes. Your Aspen Dental team can help you review your plan and explain how your benefits apply to the care you receive in our office. We’ll make sure you understand what’s covered and answer any general questions about using your insurance at Aspen Dental.
For details about your specific policy, such as coverage limits or exclusions, it’s always best to reach out directly to your insurance provider. Together, we’ll help you feel confident about your coverage and your care.
Is it better to get dental insurance or pay out of pocket?
For most patients, dental insurance helps lower long-term costs—especially for preventive care. Aspen Dental offices accept many dental insurance providers, making it easy to use your benefits for routine visits and treatments.¹
If you prefer to pay out of pocket, Aspen Dental also offers flexible financing options to help make care more affordable. In fact, 99% of patients are approved for financing through third-party lenders.
¹Not all practices accept insurance. Please contact your local office for specific details about coverage.
How do I pay for dental treatments without dental insurance?
At Aspen Dental, we aim to make paying for your dental care as hassle-free as possible. That’s why we offer a variety of flexible dental financing options to make receiving care easy for you. We accept multiple forms of payment as well, including cash, personal checks and all major credit cards. Additionally, we partner with third-party lenders to provide easy and straightforward dental financing solutions you can count on.
Through our trusted network of third-party lenders, we offer simple and secure patient financing through a fast application process that can deliver funds quickly so you can move forward with your care as soon as possible. Plus, with 99% of patients approved for financing when they apply through 3rd-party lenders, your healthy smile is right around the corner.