Insurance, fees and financing
We want the cost of your care to be clear before you start. Our front desk team handles scheduling, payments, insurance and financial arrangements, and we'll walk you through your coverage and expected cost before any treatment.
Insurance plans we work with
We participate with many dental insurance carriers, including:
In-network PPO
- CareFirst BCBS
- FEP BlueDental
- Aetna PPO
- Cigna PPO
- Guardian
- MetLife
- GEHA
- Physicians Mutual
- Ameritas
- Humana
- Reliance Standard Life
- Medicare Advantage plans
- And many others
Don't see your plan? Call us. Many PPO plans also include out-of-network benefits, and we're happy to check yours.
Using a plan we're not in-network with? Ask about our savings for out-of-network patients.
How insurance works at our office
We check your benefits
Before treatment, our team (Sara and Elisa) will help estimate what your plan covers and what your share will be. Please note that an estimate is not a guarantee of payment from your insurance company.
We file your claim
We submit your insurance claim on the day of your visit. For participating plans, we bill at your plan's negotiated rate.
Two dental plans? No problem
If you have secondary coverage, we bill your secondary plan after your primary plan has paid.
You pay your share
You're responsible for any fees your dental plans don't cover. If a claim runs into trouble, our team can help you sort it out.
Employers often change dental plans from year to year, so it's a good idea to know your current coverage. Bring your insurance card to each visit, and let us know if anything changes.
Flexible financing options
To make treatment easier to fit into your budget, we offer financing through CareCredit, Cherry and HFD, including 0% interest options, subject to credit approval. Financing can help with larger treatment such as dental implants, Invisalign or cosmetic dentistry, or with costs beyond your insurance coverage.
- CareCredit
- Cherry
- HFD
Payment options
Credit cards
We accept all major credit cards.
Pay online
Pay your balance anytime with our secure online bill pay.
Without insurance
If you don't have dental insurance, payment is due when services are provided, unless you've made other arrangements, such as financing.
Questions about your account? Call or email us during business hours, Monday through Thursday. Se habla español.
Frequently asked questions
Do you accept my dental insurance?
We're in-network with CareFirst BCBS (including FEP BlueDental), Aetna, Cigna, MetLife, Guardian, GEHA, Physicians Mutual, Ameritas, Humana, Reliance Standard Life and Medicare Advantage plans, and we work with many other carriers too. Call us and we'll check your plan.
Will you file my insurance claim for me?
Yes. We file your claim on the day of your visit, and if you have a second dental plan, we bill it after your primary plan pays.
Can you tell me what I'll owe before treatment?
Yes. Our team will estimate your coverage and your share before treatment. An estimate is not a guarantee of payment from your insurance company, but it helps avoid surprises.
Do you offer financing?
Yes. We offer financing through CareCredit, Cherry and HFD, including 0% interest options, subject to credit approval.
What if I don't have dental insurance?
You're welcome here. Payment is due at the time of service unless you've arranged financing, and we'll give you a clear estimate before treatment.
Questions about coverage or cost?
Our team is happy to check your benefits before your visit. Shady Grove Dental Care is at 15200 Shady Grove Road, Suite 340, Rockville, MD 20850, just off I-270 with free parking. Hours: Monday 8 AM–8 PM, Tuesday–Thursday 8 AM–4 PM.
New to our office? See what to expect at your first visit.