Insurance & Financing Information

At Scharrington Dental, we provide high-quality care as well as convenient financing options. Our goal is to maximize your insurance coverage to minimize your out-of-pocket expenses whenever possible. You are welcome to reach out to our experienced staff any time if you have questions about billing, insurance coverage, financing, and other details related to the payment for your services.


We accept most insurance plans, and our office is a participating provider for many of the common dental insurance plans in the area. We are in-network with the following insurance plans:

Even if we aren’t a participating provider, many PPO plans include out-of-network benefits.

Dental Savings Program

If you don’t have dental insurance, then you might consider the affordable Dental Savings Program offered by our office. This plan is designed to help you maintain and improve your oral health while managing your budget at the same time. We have several plan options available depending on what treatments would best suit your needs.


  • $250 Annually
  • 15% discount on all other services
  • 2 free cleanings per year (prophylaxis and periodontal)
  • Unlimited digital x-rays
  • Unlimited consultations and emergency visits
  • 10% discount on Dental Implant


  • $350 Annually
  • 20% discount on all other services
  • 3 free cleanings per year (prophylaxis and periodontal)
  • Unlimited digital x-rays
  • Unlimited consultations and emergency visits
  • 15% discount on Dental Implant


  • $500 Annually
  • 30% discount on all other services
  • 4 free cleanings per year (prophylaxis and periodontal)
  • Unlimited digital x-rays
  • Unlimited consultations and emergency visits
  • 20% discount on Dental Implant


  • Reduced dental fees for all services
  • No annual maximums
  • No annual deductible
  • Immediate eligibility
  • No pre-authorization requirements
  • No pre-existing condition limitations
  • No age limit
  • No missing tooth clause restrictions or exclusions
  • No claim forms


  • Enrollment date begins on the date of enrollment fee is paid and expires after 365 days
  • Annual enrollment fees are due at the time of enrollment
  • Valid with health savings accounts, flex spending accounts, and health reimbursement accounts
  • Family members eligible include spouse and dependent children under the age of 21
  • All membership fees are non-refundable
  • All additional charges are due day of service


  • Strictly valid only at our office
  • Not valid with coexisting dental insurances or benefits
  • Our program is not transferable to another party or uncovered family member
  • Does not cover any portion of a specialist referral
  • Not applicable to hospitalization or hospital charges of any kind
  • Will not apply to dental care for injuries covered under worker’s compensation
  • Will not apply to dental care for which, in the sole opinion of the treating dentist or doctor, lies outside the realm of their capability
  • Not valid on fluoride, products (electric toothbrush, Waterpik) or prescriptions
  • Excludes orthodontic treatments
  • Third party finance

Click here for more information.

Financing Options

Even if you have good dental insurance coverage, only a portion of the dental treatment will be covered by the insurance provider. Our office staff will evaluate your coverage and estimate your out-of-pocket portion, which will need to be paid at the time of service. We take care of the paperwork needed to file a claim with your insurance carrier, but the insurance policy is an agreement between you and the insurance company.

If you need to finance the treatments, then you are welcome to talk to our staff about the available options. We accept Visa, Discover, MasterCard, and American Express for payment. 

Patient financing is available through CareCredit or the Lending Club Patient Solutions. These programs offer no-interest payments for 6 – 12 months, with extended payment plans up to 84 months. Talk to our office staff for more information about the financing options available through these programs.