Accessible, Premium Dental Care

At Smile More Today, we believe everyone deserves access to exceptional dental care. That's why we work with most PPO dental insurance plans and offer flexible financing options to fit virtually any budget.

Dr. Kumar is committed to providing the highest quality care using premium materials and advanced technology—and we're equally committed to making that care accessible. Our knowledgeable office staff will help you understand your insurance benefits, maximize your coverage, and explore payment options for any out-of-pocket expenses. We handle the insurance paperwork and pre-authorization process, so you can focus on your dental health rather than administrative hassles.

Comprehensive or No Insurance
Whether you have comprehensive dental insurance, minimal coverage, or no insurance at all, we'll work with you to create a financial plan that makes your dental care achievable.

Talk to Our Financial Coordinator
Comfortable dental office interior

Most PPO Plans Accepted

We handle all the paperwork for you.

We Work With Your Insurance

Smile More Today is proud to work with the majority of in-network PPO (Preferred Provider Organization) dental insurance plans. PPO plans offer you the flexibility to visit the dentist of your choice while receiving insurance benefits.

Popular plans we work with include:
Delta Dental PPO
MetLife
Cigna
Aetna
Guardian
Principal
United Healthcare
Humana
And many more!

Not sure if we accept your plan?

Call our office at (847) 247-1700 with your insurance information, and we'll verify your coverage before your appointment.

How We Help Maximize Your Benefits

Our experienced insurance coordinators will:

  • Verify your coverage before your appointment
  • Explain your benefits in clear, understandable language
  • File all claims on your behalf
  • Follow up on claim processing
  • Help you understand EOBs (Explanation of Benefits)
  • Provide pre-treatment estimates for major procedures
  • Coordinate with your insurance for pre-authorizations
  • Appeal denied claims when appropriate

Understanding Your Coverage

Most dental insurance plans cover:

Preventive Care 80-100%

Cleanings, exams, X-rays

Basic Procedures 70-80%

Fillings, simple extractions

Major Procedures 50%

Crowns, bridges, dentures

Orthodontics 50%

When coverage is included

Annual maximum benefits typically range from $1,000-$2,000 per person. We'll help you use these benefits strategically to maximize your coverage.

Important to Know

You are ultimately responsible for knowing the details of your insurance coverage. While we make every effort to provide accurate benefit information, insurance companies can change coverage details. We file claims as a courtesy, but payment is your responsibility if insurance doesn't cover the expected amount.

Flexible Payment Plans for Every Budget

We believe financial considerations should not be an obstacle to obtaining a healthy, beautiful smile. We offer multiple financing options to make your treatment affordable.

CareCredit

Healthcare Financing

CareCredit is a healthcare credit card designed specifically for medical and dental expenses. Benefits include:

  • Quick and easy application process
  • Immediate approval decisions (most applicants)
  • Interest-free financing for 6, 12, or 18 months (with approved credit)
  • Low monthly payment options
  • Can be used for family members
  • Re-usable credit line for future care

LendingClub

Patient Solutions

Another excellent financing option offering clear terms and transparent payment structures:

  • Loan amounts from $1,000 to $100,000
  • Low fixed monthly payments
  • No prepayment penalties
  • Fast approval process
  • Terms from 24-84 months

In-House Plans

Custom Payment Arrangements

For qualified patients, we offer flexible in-house payment arrangements. These custom plans allow you to:

  • Spread treatment costs over several months
  • Make manageable monthly payments
  • Begin treatment immediately
  • Avoid credit checks and interest charges (in many cases)

Options for Patients Without Insurance

Not having dental insurance doesn't mean you can't afford quality care. We offer several solutions:

Membership Discount Plans

Consider third-party membership programs like:

  • DentalPlans.com
  • 1Dental.com
  • Careington
These programs offer discounted fees (typically 10-60% off) for a low annual membership fee, often more affordable than traditional insurance.

Treatment Prioritization

Dr. Kumar will help you prioritize treatment based on:

  • Urgency and medical necessity
  • Your budget constraints
  • Long-term oral health goals
We can create a phased treatment plan that addresses immediate needs first and spreads additional treatment over time.

Preventive Care Investment

Regular preventive care (cleanings and exams) is the most cost-effective dental investment. Catching problems early prevents expensive emergency treatment later.

Free Consultation

Schedule a free consultation to discuss your dental needs and explore all your financial options. We'll work with you to find a solution that fits your budget.

Getting the Most Value from Your Dental Care

Use Your Annual Benefits

Don't leave money on the table! Most dental insurance benefits reset January 1st. Schedule treatment before year-end to:

  • Use remaining annual maximum benefits
  • Avoid losing unused benefits
  • Get a head start on next year's deductible

Family Planning

Coordinate family dental appointments to maximize insurance benefits and reduce time off work/school.

Premium Materials, Lifetime Value

At Smile More Today, we use only the highest quality materials and work exclusively with US-based master ceramists. While premium care may have higher upfront costs, the longevity and performance provide superior long-term value.

Same-Day Options

Our CEREC technology and teeth-in-a-day procedures save you time and reduce the need for multiple appointments, minimizing lost wages and transportation costs.

Preventive Care Saves Money

Investing in regular preventive care (cleanings, exams, fluoride treatments) costs far less than treating advanced decay or gum disease. A filling costs hundreds; a root canal and crown costs thousands.

Questions? We're Here to Help

Our office manager is available to discuss financial options, verify insurance benefits, or answer any questions about making dental care affordable.

Ready to Transform Your Smile?

Schedule your consultation today. We'll outline your options and help you find the financial solution that works best for you.