Dental Insurance, Membership Plans & Payment Options in Washington, DC

At W Plus Dental, we believe financial concerns should not prevent you from receiving the dental care you need. Our team is committed to making high-quality dentistry as accessible and manageable as possible through accepted dental insurance plans, an in-office dental membership plan, flexible financing options, and convenient payment methods.

Whether you plan to use dental insurance, do not currently have coverage, or would prefer to finance your treatment over time, our team will help you understand your options before beginning care.

Dental Insurance

At W Plus Dental, we work with both in-network and out-of-network dental insurance benefits to give our patients greater flexibility when choosing their dental care. We believe your insurance should be a benefit that helps contribute toward the cost of your care, rather than the deciding factor in which treatment is best for you.

We are in-network with Aetna, Cigna, and Guardian, and welcome patients with other PPO dental insurance plans as an out-of-network provider. Being out-of-network does not mean that your insurance cannot be used at our office. Many PPO plans include out-of-network benefits that may still contribute toward exams, cleanings, restorative treatment, and other eligible dental services. The amount your plan contributes will depend on your specific benefits, deductible, annual maximum, and reimbursement policies. Our team will submit insurance claims on your behalf, helping make the process as simple and stress-free as possible.

The primary difference between in-network and out-of-network is how your insurance company calculates its portion of the cost. In-network plans generally follow negotiated fee schedules, while out-of-network plans may reimburse based on your individual policy's allowable fees, percentages, deductibles, and annual maximums.

A helpful way to think about dental insurance is as a coupon that helps cover a portion of your dental care. Like any coupon, your dental benefits come with certain rules, limitations, annual maximums, deductibles, and coverage percentages determined by your insurance company. These restrictions may affect how much your plan contributes toward a particular treatment.

Regardless of your insurance company, our team is here to make the process as easy as possible. We can help review your benefits, provide treatment estimates when available, and submit eligible insurance claims on your behalf so you do not have to manage the paperwork yourself.

Don't Have Dental Insurance?

Join Our Membership Plan!

Dental insurance can be limiting, so we support our patients by offering a membership plan. You do not need traditional dental insurance to receive affordable, high-quality dental care at W Plus Dental.

Adult Complete
Must be 14 years or older
$41.67/Mo (or $500/Yr)
Membership Includes:
2 Professional Cleanings
2 Regular Exams & Screenings
1 Fluoride Treatment
Routine X-Rays
1 Emergency Exam Per Year (if needed)
10% Off Other Procedures at Our Practice
Membership Advantages:
No Yearly Maximums
No Deductibles
No Claim Forms
No Pre-Authorization Requirements
No Pre-Existing Condition Limitations
No Waiting Periods- Immediate Eligibility
10% Subscription Discount for Family Members
Get started

Flexible Dental Financing Options

Some dental treatments require a larger investment, especially cosmetic dentistry, dental implants, smile makeovers, full-mouth rehabilitation, and other comprehensive procedures. W Plus Dental works with several third-party financing companies to help qualified patients divide treatment costs into manageable monthly payments. Financing approval, interest rates, payment amounts, and repayment terms are determined by each financing provider. W Plus Dental does not make lending decisions or guarantee financing approval.

  • Sunbit: Sunbit provides financing options that may allow qualified patients to pay for dental treatment over time. The application process is designed to be simple, and patients can review available payment options before deciding whether to proceed.
  • CareCredit: CareCredit is a healthcare financing option that may be used for eligible dental treatments. Qualified patients may have access to promotional financing plans or extended monthly payment options, depending on the amount financed and the terms selected.
  • Proceed Finance: Proceed Finance specializes in financing larger dental and healthcare treatment plans. It may be a helpful option for patients considering more comprehensive procedures, including dental implant treatment and full-mouth reconstruction.

Understanding the Cost of Your Dental Treatment

Our goal is to provide clear information so you can make confident decisions about your oral health. Before beginning treatment, we will provide a personalized treatment plan that explains:

FAQs

What dental insurance does W Plus Dental accept?

W Plus Dental currently accepts Aetna, Cigna, and Guardian dental insurance plans. Participation and benefits may vary based on your individual policy, so we recommend contacting our office before your visit to verify your coverage.

Do you accept patients without dental insurance?

Yes. Dental insurance is not required to become a patient at W Plus Dental. Patients without insurance can pay directly for care, join our dental membership plan, or apply for financing through one of our financing partners.

What is a dental membership plan?

A dental membership plan is an alternative to traditional dental insurance. Patients typically pay an annual membership fee in exchange for included preventive services and savings on eligible dental treatments.

Can cosmetic dental treatments be financed?

Financing may be available for cosmetic treatments such as porcelain veneers, composite veneers, Invisalign, dental crowns, smile makeovers, and full-mouth rehabilitation. Approval and terms are determined by the financing provider.

Is an insurance estimate a guarantee of coverage?

No. Insurance estimates are based on the information supplied by your insurance company. Final payment is determined by the insurer after it receives and processes the claim.

Still have questions?

Contact W Plus Dental in Washington, DC, to verify your dental insurance, learn more about our membership plan, explore financing options, or request a personalized treatment estimate.

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