Insurance & Financial Information
We want cost to be one less thing to worry about. Here's how you can pay for care at Isaacs Family Dental, and a plain-language look at how your dental insurance works.
Accepted Payment Methods
- Cash
- Personal checks
- Major credit cards
- CareCredit
- Cherry
Financing Options
Need to spread out the cost of treatment? We work with third-party financing partners to help make care more manageable.
Ask our front office team about online bill pay and other financial policies before your visit.
Our In-Network Insurance Plans
Isaacs Family Dental is currently an in-network provider with the plans below, and we're contracted with most major insurance providers. Being in-network means we've agreed to these plans' negotiated rates, which typically means lower out-of-pocket costs for you.
- Delta Dental Premier
- Cigna Total Plus
In-Network vs. Out-of-Network Coverage
Deductibles
A deductible is the amount you pay out of pocket before your insurance starts covering costs. In-network care generally applies toward a lower deductible than out-of-network care under the same plan.
Annual Maximums
Most dental plans cap how much they'll pay toward your care each year — this is your annual maximum. Once you reach it, you're responsible for remaining costs until your benefits reset, typically at the start of a new plan year.
In-Network vs. Out-of-Network
In-network providers accept your insurer's negotiated fee schedule, which usually means lower costs for you. Out-of-network providers can charge their own rates, and your plan may reimburse a smaller percentage — or require you to pay the difference between what your insurer covers and what the provider charges.
No Insurance? Try Our Kleer Membership Plan
The Kleer membership plan offers flat, transparent pricing with no deductibles, waiting periods, or annual maximums — plans start at $28/mo for children and $34/mo for adults, plus 20% off other treatment.
Learn More About Kleer MembershipFrequently Asked Questions
What does 'in-network' mean?
An in-network dentist has agreed to accept a specific insurance company's negotiated rates. Isaacs Family Dental is currently in-network with Delta Dental Premier and Cigna Total Plus, and we're contracted with most major insurance providers.
Can I still be seen if my plan is out-of-network?
In many cases, yes. Out-of-network benefits typically still provide some reimbursement, though usually at a lower rate and sometimes with a higher deductible. Our front office team can help you understand your specific plan's out-of-network coverage.
What if I don't have dental insurance at all?
Our Kleer membership plan is designed as a straightforward alternative to insurance for uninsured and underinsured patients — one flat fee, no deductibles, and no waiting periods.
Questions About Your Bill or Coverage?
Our front office team is happy to walk you through your options.