Dental insurance
Discover the dental insurance plans accepted by Aspen Dental
Helping you afford the high-quality care you need is one of our top priorities. Learn more about the dental insurance plans we accept so you can get the smile you deserve. We do not accept Medicaid.
Accepted dental insurance plans
While we don't accept Medicaid, 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. Looking for information on accepted dental implant insurance coverage? Learn more today.
Some dental insurance companies we partner with:
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
¹The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
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.
What is dental insurance?
Dental insurance, like health insurance, covers some—if not all—of your dental care. This may include preventative, restorative and emergency dental services.
How does dental insurance work?
Typically, dental insurance works by paying a portion of your dental service costs, while you’re responsible for any remaining balance. Your out-of-pocket cost will vary depending on the insurance plan you select.
Does Aspen Dental accept dental insurance?
Yes, Aspen Dental accepts most dental insurance plans. Verify your dental coverage and estimate your out-of-pockets costs by contacting your local Aspen Dental team today. We do not accept Medicaid.
Your dental insurance questions answered
What happens if I do not have dental insurance coverage?
If you don’t have dental insurance, or your provider isn’t one of our insurance partners, you still have options:
Aspen Dental Savings Plan
While our Aspen Dental Savings Plan is not insurance, it’s a flexible alternative that allows you to afford the care you need. With instant enrollment, zero deductibles and no claims to file, you can sign up today and get free exams and x-rays.
Dental financing
Dental financing at Aspen Dental is provided by third-party lenders to offer you a secure and flexible way to pay for your dental treatments. It provides access to the care you need without having to worry about costs upfront.
What dental insurance plans does Aspen Dental accept?
Aspen Dental accepts most major dental insurance providers, including Aetna, Cigna, Delta Dental, MetLife, United HealthCare and more.
Looking for dental insurance or dental insurance for seniors? Check the dental insurance provider list above, or call your local Aspen Dental team to learn if your plan is accepted, whether or not it’s full coverage dental insurance and more.
Can I use my dental insurance to pay for dental implants?
Yes. We partner with most insurance providers to ensure you get the care you need, including for dental implants. Check which providers we accept for dental implants with our dental implant provider list.
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, restorative or emergency dental services, we offer:
Dental financing options to help you manage your out-of-pocket expenses
Our Aspen Dental Savings Plan for an alternative to insurance
New patient offers to apply to your first treatment plan
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, 4 out of 5 applications are approved, meaning no matter your financial situation, your healthy smile is right around the corner.
Does Aspen Dental accept Medicaid for dental services?
No, we do not currently accept Medicaid. At Aspen Dental, we want to make sure you’re always covered which is why we offer flexible dental financing options for patients without insurance or who are unable to use their coverage with us.
How can I verify my dental insurance coverage?
Once your dentist has recommended you a treatment plan, you can learn more about which dental insurance plans are accepted at your local office by calling your Aspen Dental team to confirm coverage and estimate your out-of-pocket costs.
Are there any exclusions or limitations to dental insurance coverage?
Yes, dental insurance plans often have exclusions and limitations, such as waiting periods, annual maximums and restrictions on specific treatments or procedures. To better understand your coverage, review your plan details with your insurance provider or reach out to your Aspen Dental care team to see what’s covered for your treatment plan.