Dental Financing and Insurance Options in Keller, TX
Making Your Dream Smile Accessible
Our Approach to Finances
We want every patient to feel confident about the cost of their care. Our pricing is clear, our estimates are straightforward, and we explain what to expect before treatment begins. You can count on honest information and a process designed to help you plan comfortably and predictably.
Your Path to Easy Payments
Once we outline your treatment, we help you understand the financial side in simple, practical terms. Whether you are using insurance, exploring financing, or working within a specific budget, our team guides you through your benefits and payment options so you can choose what fits your needs and move forward with confidence.
How Dental Benefits Work Here
Sky Creek Dental is a fee-for-service practice. That means we don’t sign contracts with insurance companies, so no insurer limits the care we can recommend. You can still use your dental benefits here. We estimate them before treatment and handle the claim for you.
Most dental insurance plans are limited benefit plans, not full coverage. They help pay for part of your care, usually with annual maximums, deductibles, and coverage tiers.
Hereâs what that means for you:
- We estimate your benefits beforehand, so you always know your portion.
- Preventive care is often covered at a higher percentage.
- Basic and major services may involve cost-sharing.
Fee-for-Service vs. In-Network: What’s the Difference?
Your insurance card may call us “out-of-network.” It’s the same thing as fee-for-service. It just means we aren’t under contract with your plan.
| In-Network | Fee-for-Service (Sky Creek Dental) | |
| The Difference | Dentist signs a pricing contract with your insurer. | No contract; you are free to choose your dentist. |
| How Coverage Is Calculated | The insurance company contributes according to the discounted fees they have negotiated with that provider. | Your insurance still contributes based on the planâs usual reimbursement levels. We handle the claim submission on your behalf. |
| Understanding Your Benefits | Benefits are applied using the planâs contracted fee structure. | Benefits are applied the same way, only calculated from your planâs standard allowance. |
| What This Means for You | You may pay a slightly smaller portion for some services. | Your benefits still work here. Your plan reduces your cost. We give you a clear estimate beforehand so you know exactly what to expect. |
Our Flexible Payment Plans
If you want to spread out payments or manage a larger treatment plan, we offer simple, flexible solutions.
CareCredit Financing
CareCredit is a healthcare credit card designed for your health and wellness needs. It helps you pay for out-of-pocket expenses not covered by medical insurance by extending special financing options that you canât get when using any other credit card.
At Sky Creek we welcome customers who have or use CareCredit!
Cherry Financing
Frequently Asked Questions
Do you accept dental insurance?
Yes, you can use your dental insurance here. Sky Creek Dental is a fee-for-service practice, which means we don’t sign contracts with insurance companies, and your card may call us out-of-network. Your plan still contributes toward your care, we submit the claim for you, and we estimate your benefits before treatment so you know your portion ahead of time. You can read more in how dental benefits work here.
Do you offer an in-house membership or savings plan?
We don’t currently offer an in-house membership plan, and you don’t need insurance to be a patient here. We give you an estimate before treatment begins, and you can use financing through CareCredit or Cherry to spread out larger treatment.
What third-party financing options do you offer?
We welcome patients who have or use CareCredit, a healthcare credit card that offers special financing options for out-of-pocket costs your insurance doesn’t cover. We also offer Cherry financing, which you can apply for with a short form on our website. Approval and terms are set by each financing company, not by us, so our team can help you understand your options before you apply.
How do your estimates work?
After your dentist outlines your treatment, our team checks your benefits and gives you an estimate of what your plan is expected to cover and what your portion will be. You get it before treatment begins. Your insurance company makes the final decision when it processes the claim, so an estimate is our best projection, and if your treatment plan changes, we’ll update it with you.
Are there payment plans for dental implants?
Yes. You can spread the cost of dental implants with third-party financing such as CareCredit or Cherry, and we give you an estimate before treatment starts so you know the full amount you’re planning for. If you have dental insurance, it may cover part of the work. Because most plans have annual maximums, we check your benefits first so you know what to expect. Financing terms depend on the lender and your approval.
Is there 0% financing for Invisalign?
It depends on the financing company, your approval, the amount you’re financing and the terms available at the time, so we can’t promise a 0% rate ahead of time. CareCredit and Cherry both offer ways to spread out the cost of Invisalign, and our team can walk you through what’s available when you call or come in.
How can I afford veneers without insurance?
You don’t need insurance to get started. Every patient here begins with an estimate before treatment, whether they have a plan or not. Most dental plans treat veneers as cosmetic, so they often pay little or nothing toward them, which makes a clear estimate and a payment option matter more. You can spread the cost of porcelain veneers through CareCredit or Cherry, and our team will go over the numbers with you before you commit to anything.
Get the Smile Youâve Always Dreamed Of
Invest in your smile⊠itâs yours for life! The team at Sky Creek Dental will be here for you every step of the way. Call our dental office in Keller at 817-431-4200 to start your smile journey.
We proudly serve the residents of Keller, Roanoke, Trophy Club, Westlake, Southlake, North Richland Hills, and all surrounding communities.
