Dental Insurance & Payment Options

Making Your Dream Smile Accessible And Affordable


Quality dental care should be accessible to everyone, regardless of insurance coverage. At Arizona Avenue Dentistry, we work with most insurance plans and offer flexible payment solutions to fit your budget.

Navigating dental insurance can feel confusing, but you don't have to figure it out alone. Our experienced team will verify your benefits, file claims on your behalf and help you understand exactly what your plan covers. And if you don't have insurance? We still welcome you with open arms and affordable options.

 

Insurance Plans We Accept

Arizona Avenue Dentistry works with most major dental insurance carriers serving the Yuma area, including:

 

  • Delta Dental
  • Cigna Dental
  • MetLife Dental
  • Aetna Dental
  • United Healthcare Dental
  • Guardian Dental
  • Principal Dental
  • Blue Cross Blue Shield FEP
  • VA Plans
  • United Concordia
  • TRICARE Dental
  • Advantage Plus
  • Many other PPO and indemnity plans

 

Don't see your insurance listed? Call us at (928) 782-3685. We accept many insurance plans, and even if we're not in-network, we can still file claims as an out-of-network provider. We'll work to get you the maximum benefit possible.

 

How We Make Insurance Easy For You

Dealing with insurance paperwork shouldn't add stress to your dental visit. Here's what we do to simplify the process:

 

Verify Your Benefits

Before your appointment, we'll contact your insurance company to verify your coverage, deductible status and annual maximum. You'll know what to expect before you arrive.

File Claims For You

We submit insurance claims electronically on your behalf. No paperwork for you to mail, no confusing forms to complete. We handle it all.

Maximize Your Benefits

We'll help you make the most of your insurance coverage by timing treatments strategically and exploring alternative solutions when appropriate.

 

Understanding Your Dental Insurance

Dental insurance can be complex. Here's a straightforward explanation of how most plans work:

 

Annual Maximum

Most dental insurance plans have an annual maximum (typically $1,000-$2,000). This is the total amount your insurance will pay for dental care in one calendar year. Once you reach this limit, you're responsible for any additional costs until the next year begins.

Deductible

Your deductible is the amount you pay out-of-pocket before your insurance starts covering services. Common deductibles range from $50 to $100 per person or per family. Preventive services like cleanings and exams often don't require meeting the deductible first.

Coverage Levels

Most dental plans divide services into three categories with different coverage percentages:

  • Preventive Care (100%) - Exams, cleanings, x-rays, fluoride treatments
  • Basic Procedures (70-80%) - Fillings, simple extractions, root canals
  • Major Procedures (50%) - Crowns, bridges, dentures, implants

Coverage percentages vary by plan. We'll verify your specific benefits.

 

Pre-Authorization For Major Treatment

For more extensive treatment (crowns, bridges, dentures), we can submit a pre-authorization to your insurance company. This gives you a written estimate of what your insurance will cover before you commit to treatment. There's no obligation, and it helps you plan financially.

 

What If I Don't Have Insurance?

Not having dental insurance doesn't mean you can't receive quality dental care. Many of our patients don't have insurance, and we're committed to making treatment affordable for everyone.

We believe financial concerns should never prevent someone from getting the dental care they need. Whether you need a routine cleaning or more extensive treatment, we'll work with you to find a payment solution that fits your situation.

 

Payment Options

We accept multiple payment methods to make your visit as convenient as possible:

  • Cash or check
  • All major credit cards (Visa, MasterCard, American Express, Discover)
  • Debit cards
  • CareCredit healthcare financing (see below)
  • Flexible payment plans (speak with our office about available options)

Payment is expected at the time of service for your copay or out-of-pocket portion. We'll provide an estimate before treatment so there are no surprises.

 

CareCredit Healthcare Financing

CareCredit is a healthcare credit card that helps you pay for dental treatments not fully covered by insurance. It works just like a credit card, but it's exclusively for healthcare expenses.

CareCredit Benefits:

  • Special financing options including 0% interest promotional periods for qualified applicants
  • Quick approval process - apply online or in our office in minutes
  • Flexible payment plans from 6 to 24 months depending on the treatment cost
  • Use it again and again for future dental work, vision care, and other healthcare needs
  • No upfront costs - start treatment right away and pay over time

CareCredit allows you to get the dental care you need now and pay for it in manageable monthly installments. Ask our front desk team about applying, or visit CareCredit.com to learn more.

Apply For CareCredit

Get approved in minutes and start your treatment today. No hidden fees, and special financing options available for qualified applicants.

Apply Now

 

Treatment Estimates

Before beginning any treatment, we'll provide a detailed estimate that includes:

  • The total cost of the recommended procedure
  • What your insurance is expected to cover (if applicable)
  • Your estimated out-of-pocket cost
  • Available payment options and financing

We want you to make informed decisions about your dental care. You'll never be surprised by unexpected costs, and we'll always discuss your options before moving forward with treatment.

 

Cost Should Never Prevent You From Getting Care

We understand that dental treatment can be a significant investment. But we also know that delaying necessary care often leads to more complex and expensive problems down the road.

If you're concerned about cost, please talk to us. We'll work with you to create a treatment plan that prioritizes your most urgent needs and fits within your budget. Many patients choose to space out treatments over several months or focus on preventive care to avoid more costly procedures later.

Your oral health matters, and we're committed to finding a way to make care accessible. Whether you have comprehensive insurance or no coverage at all, we'll help you get the treatment you need.

 

Questions About Insurance & Payment?

Our front desk team is here to help you understand your insurance benefits and explore payment options. We speak English and Spanish, so you can communicate comfortably in the language you prefer.

Call us at (928) 782-3685 to discuss your specific situation. We're happy to verify your insurance, explain your coverage or answer questions about payment plans before you schedule your appointment.

Frequently Asked Questions About Payment Options

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Ready To Get Started?

Schedule your appointment today. We'll verify your insurance benefits and answer any questions about payment options when you call.

(928) 782-3685

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Compassionate Care, Proven Results

We're proud of the care we give, but hearing from our patients means everything. Read the reviews that reflect our commitment to comfort, compassion and exceptional dentistry.