Modern dentistry should not be a billing surprise. We verify your benefits before treatment, file claims directly, and offer financing for anything insurance won't cover.

Insurance & Financing in Stephenville, TX

Delta Dental, Cigna, Aetna, BlueCross BlueShield, MetLife, United Healthcare, plus CareCredit and in-house monthly plans for the gap between insurance and the work you need.

How we keep billing simple

Insurance carriers we work with

Common insurance and financing questions

Which dental insurance plans does Dental Excellence accept?+

We are in-network or accept benefits from Delta Dental, Cigna, Aetna, BlueCross BlueShield, MetLife, United Healthcare, Guardian, and most major PPO plans. We file claims directly so you don't have to. Final coverage depends on your specific plan, deductible, and annual maximum, we verify benefits before treatment so there are no surprises.

Do you accept Medicaid or Medicare?+

Standard Medicare does not cover routine dental care. We are not currently a Texas Medicaid provider for adults, but we can refer you to local options if Medicaid is your only coverage. Children's Medicaid (CHIP / Texas Children's Medicaid) is accepted at select pediatric dentistry clinics, call us and we'll point you to the right resource.

What if I don't have dental insurance?+

We offer transparent, itemized cash pricing on every service plus CareCredit financing with promotional 0% APR periods for qualifying patients. New-patient exam + cleaning + X-rays packages are available at a discount when paid at the time of service.

How does CareCredit work?+

CareCredit is a healthcare credit card accepted at most dental, vision, and veterinary practices. You apply online or at our front desk and receive a credit decision in minutes. Promotional plans include 0% APR for 6, 12, 18, or 24 months on qualifying balances. After the promotional period, standard APR (currently 26.99%) applies to remaining balances.

Do you offer in-house payment plans?+

Yes. For larger cases (Invisalign, full-arch implants, full-mouth reconstruction) we offer in-house monthly payment plans with no interest for 12 to 18 months when 25% is paid at the start of treatment. We also accept HSA/FSA cards.

Can I use my HSA or FSA?+

Absolutely. Health Savings Accounts and Flexible Spending Accounts are pre-tax dollars you can spend on qualifying dental work, exams, cleanings, fillings, crowns, implants, orthodontics, and more. Bring the card to your visit; we run it like any credit card.

What happens if my insurance doesn't cover something we recommended?+

We tell you in advance. Before any procedure beyond a standard exam or cleaning, we provide a written treatment estimate that shows what insurance will pay and what your out-of-pocket cost will be. You decide whether to proceed, defer, or stage treatment across calendar years to use multiple annual maximums.