Insurance & Financing at Kids Dental in Schertz, TX
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Flexible Payment Options to Make Your Child’s Dental Care Accessible
At Kids Dental, we want every family in Schertz and the surrounding area to have access to quality pediatric dental care without financial stress standing in the way. We work with a number of dental insurance plans and offer financing options to help make your child’s treatment as affordable as possible.
If you have questions about your coverage, out-of-pocket costs, or payment options, our team is happy to help. Please do not hesitate to call us at (210) 659-7884 before your appointment so we can review your benefits and walk you through your options.
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Dental Insurance
Kids Dental accepts many dental insurance plans, including plans from a number of major providers. Some of the insurance carriers our patients commonly use include:
- Aetna
- MetLife
- Humana
- Delta Dental
- Cigna
- Anthem Blue Cross
This list reflects carriers our patients frequently use, but it is not a complete list of every plan we accept. Insurance plans and coverage details vary widely, so we encourage you to contact our office directly to confirm whether your specific plan is accepted and to understand how your benefits apply to your child’s care.
Our team is glad to help you verify your coverage, explain what your plan covers, and answer any questions you have before your child’s visit. You can reach us by phone at (210) 659-7884 or through our Contact Us page.
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How Dental Insurance Works at Kids Dental
Dental insurance plans vary in how they structure coverage. Most plans include an annual maximum benefit, a deductible, and specific coverage percentages for different types of dental services. Preventive care, such as exams and cleanings, is often covered at a higher percentage than restorative or specialty services.
Here are a few things that are helpful to know when using your dental benefits:
- Bring your insurance card and member ID to every appointment
- Coverage levels differ by plan — what one plan covers fully, another may cover partially
- Some plans require a referral or pre-authorization for certain procedures
- Annual benefit maximums reset each plan year — using benefits regularly helps make the most of your coverage
- Preventive visits, such as routine
Preventive visits, such as exams and cleanings, are often the best-covered services under most plans. Scheduling regular checkups helps protect your child’s oral health while making the most of your benefits.
If you are unsure how to read your benefits summary or what your plan covers, our team is happy to help you make sense of it. Call us at (210) 659-7884 and we will do our best to assist.
Financing Options
We understand that dental care can sometimes involve unexpected costs, especially when treatment goes beyond what insurance covers. To help families manage these expenses, Kids Dental offers financing through third-party providers that allow you to spread the cost of care over time.
CareCredit
CareCredit is a healthcare credit card that can be used to cover dental expenses not fully paid by insurance. It offers a range of financing plans, including promotional periods with deferred interest, making it easier to manage larger treatment costs over time. You can apply for CareCredit online or ask our front desk team for details.
LendingClub
LendingClub provides personal loan options that can be used toward medical and dental expenses. With fixed monthly payments and a simple application process, LendingClub is another option for families who prefer a structured payment plan. Our team can provide you with information on how to apply.
Both CareCredit and LendingClub are independent third-party providers. Approval, terms, and interest rates are determined by each provider based on your individual application. Kids Dental does not determine or guarantee financing approval. Please contact each provider directly or ask our team for more details about how to apply.
What If I Don’t Have Dental Insurance?
Not having dental insurance should not prevent your child from receiving the care they need. If your family is uninsured or underinsured, we encourage you to call our office to discuss your situation. Our team will work with you to understand available options and find a path forward that makes sense for your family.
We believe every child deserves access to quality dental care, and we are committed to helping families navigate their options honestly and without pressure.
Questions About Medicaid or CHIP Coverage?
If your child is enrolled in Medicaid or the Children’s Health Insurance Program (CHIP), please call our office at (210) 659-7884 to ask about coverage and eligibility. Our team can let you know whether we are able to serve your child under your specific plan and help you understand what to expect.
Have More Questions?
Our Frequently Asked Questions page covers many common questions families have about visiting Kids Dental, including what to bring to your first appointment, what to expect during a visit, and more. If you don’t find the answer you’re looking for, our team is always happy to help.
Contact Kids Dental to Discuss Your Insurance or Payment Options
We know that navigating insurance and financing can feel overwhelming. Our front desk team is here to make it as simple and stress-free as possible. Whether you have questions before scheduling or want to review your options ahead of a planned procedure, we are glad to help.
Call Kids Dental at (210) 659-7884 or visit our Contact Us page to get in touch. We serve families in Schertz, Cibolo, Selma, Universal City, Live Oak, Garden Ridge, Converse, New Braunfels, Northeast San Antonio, and surrounding communities.