Insurance Plans We Accept

We are pleased to accept many major dental insurance plans. Our accepted carriers include:

  • Humana
  • Delta Dental
  • Careington
  • Dentmax
  • Cigna
  • Aetna
  • MetLife
  • Blue Cross Blue Shield (all states)
  • Guardian
  • Principal
  • UnitedHealthcare

How Insurance Works With Us

  1. Verification of Benefits

    • Before major treatment, we verify your insurance eligibility and benefits.
    • We estimate what portion your insurance will cover versus your patient responsibility.
    • Any estimate is not a guarantee — actual payment depends on the insurer’s adjudication.
  2. Claim Submission

    • After your appointment, we submit a claim to your carrier on your behalf.
    • Typical claim processing takes 2–4 weeks (may vary by insurer).
  3. Patient Responsibility

    • You are responsible for paying any co-payments, deductibles, or non-covered services at the time of service (unless other arrangements are made).
    • If your insurer pays us directly, you will only owe the remaining balance.
    • Any refunds owed back to you will be sent once the insurer pays us and your account is in credit.
  4. Out-of-Network Benefits

    • Because we are often out-of-network, your insurer may reimburse you for portions of services rendered.
    • We provide an “insurance receipt” (also called a “superbill”) that you can submit to your insurer to be reimbursed directly (if required).
    • You may also request a “preauthorization” through your insurer prior to treatment to better understand expected coverage.

Payment Options

We offer multiple flexible payment methods to make your care affordable:

  • Cash, Check, and Credit/Debit Cards — accepted at time of service
  • Financing via Cherry — low-interest or interest-free payment plans (subject to approval)

If you’re concerned about cost, let us know — we’ll work with you to find a solution that fits your budget.

Before Your Appointment

To ensure a smooth experience, please:

  1. Bring your insurance card (front and back)
  2. Provide any secondary (dual) insurance information
  3. If possible, obtain a copy of your benefit summary (“Explanation of Benefits,” EOB) or call your insurer to confirm your out-of-network coverage
  4. Arrive a few minutes early to complete any required paperwork
  5. Ask us for a treatment estimate / cost breakdown ahead of time

Frequently Asked Questions

Will you accept me if you’re out-of-network with my insurer?

Yes — we happily accept patients with out-of-network benefits and will file claims on your behalf.

Do I pay up front?

You pay your portion (e.g. co-pay, deductible, non-covered services) at the time of service. For large procedures, we may arrange a payment plan.

What if my insurer rejects the claim or pays less than expected?

You would be responsible for the remaining balance. We can help you appeal or re-submit, but ultimately the patient is responsible.

Can you tell me exactly how much the insurance will pay?

We provide an estimate based on your plan, but final insurance payment depends on the insurer’s review and their allowed fees.

Is Cherry the same as financing?

Yes — Cherry is a third-party financing option we offer so you can pay over time.

Contact Us

If you have questions about your insurance plan, eligibility, or payment options, please don’t hesitate to reach out to our front office. We’re here to help!

Phone: (865) 945-5552
Address: 2130 N Charles G Seivers Blvd #1, Clinton, TN
Email: thesmilecentertn@gmail.com