Do you accept dental insurance?

O2 Dental Group accepts a wide range of dental insurance plans across all locations in North Carolina.

Do you offer payment plans?

Flexible payment options are available for patients without insurance or for treatments not fully covered.

What is the difference between coverage and payment?

Coverage refers to what your insurance includes, while payment is the amount the insurance actually pays toward treatment.

Dental Insurance Accepted at O2 Dental Group

Dental Insurance Accepted at O2 Dental Group — All Six North Carolina Locations

Most people who search for a new dentist start with a practical question: does this office take my insurance? It is a reasonable place to start. Dental care is expensive enough without choosing a provider who turns out to be out of network after the fact, or worse, who does not verify benefits before treatment and leaves you with a bill that does not match what you expected.

At O2 Dental Group, we accept most major PPO dental insurance plans across all six of our North Carolina locations — Durham, Raleigh, Fayetteville, Siler City, Southern Pines, and Wilmington. Before your first appointment, our front office team verifies your benefits, explains what your plan covers, and gives you a realistic picture of out-of-pocket costs before treatment begins. No surprises at checkout. No deciphering the explanation of benefits on your own.

If you are not sure whether we are in network with your specific plan, call the location nearest you. In most cases we can verify your coverage the same day.

What Our Team Does With Your Insurance So You Don’t Have To

Dental insurance is genuinely confusing. Annual maximums, waiting periods, frequency limitations, missing tooth clauses, the gap between what a plan says it covers and what it actually pays out — navigating all of it while also trying to make a decision about your dental health is a lot to ask. Our front office team handles the administrative side of this so the clinical visit can be about your care rather than your paperwork.

Here is specifically what we do:

Verify your dental insurance benefits before your appointment — so you know what to expect before you arrive
Explain your deductible, annual maximum, waiting periods, and frequency limitations in plain language
File claims for both primary and secondary insurance when you have dual coverage
Provide a treatment cost estimate before anything is scheduled, broken down by what insurance is expected to cover and what your estimated out-of-pocket responsibility is
File out-of-network courtesy claims for patients whose plans we do not participate with directly, to help you recover any reimbursement your plan allows

Insurance estimates are not guarantees — final coverage is always determined by your carrier after processing. But our team will give you the clearest picture available before you commit to anything.

In-Network and Out-of-Network Patients Are Both Welcome

Being in network with an insurance plan means O2 Dental Group has agreed to accept the plan’s contracted rates for covered services. If your plan is in network at your nearest O2 location, your out-of-pocket costs are typically lower because the contracted rate reduces what you owe after insurance pays.

If your plan is out of network, that does not mean you cannot be seen here. It means your plan reimburses at a different rate, and in many cases you can still receive partial reimbursement for treatment. Our team files out-of-network claims on your behalf as a courtesy. Depending on your plan, the difference in cost between in-network and out-of-network treatment may be smaller than you expect — particularly for patients who have already met their deductible or who have flexible benefit plans.

The practical advice: call us before assuming your plan does not work here. We have helped many patients with plans they assumed were not accepted find a workable path to care.

One clarification worth making: being in network with an insurance company does not automatically mean every plan that company offers is in network at every O2 location. Employer-sponsored plans, Medicare Advantage plans, and plan variations within the same carrier can have different network participation rules. The only way to know for certain is a benefits verification call before your appointment — which our team is happy to do for you.

Insurance Plans Commonly Accepted at O2 Dental Group — By Location

The plans listed below reflect current network participation at each O2 Dental Group location. Insurance participation can change, so we always recommend calling your specific office to confirm your plan before your first visit.

O2 Dental Group of Durham

3219 Watkins Rd, Suite 103, Durham, NC 27707 — (919) 813-2267

View full Durham insurance details →

O2 Dental Group of Raleigh

5321 Tin Roof Way, Suite 102, Raleigh, NC 27616 — (919) 341-4160

View full Raleigh insurance details →

O2 Dental Group of Fayetteville

1916 Skibo Rd, Suite C3, Fayetteville, NC 28314 — (910) 446-9027

View full Fayetteville insurance details →

O2 Dental Group of Southern Pines

340 Capital Dr, Carthage, NC 28327 — (910) 469-1049

View full Southern Pines insurance details →

O2 Dental Group of Siler City

103 Food Lion Plaza, Siler City, NC 27344 — (984) 265-1655

View full Siler City insurance details →

O2 Dental Group of Wilmington

7150 Market St, Suite 130, Wilmington, NC 28411 — (910) 377-6453

View full Wilmington insurance details →

Insurance participation is subject to change. This list reflects current network participation and is not a guarantee of benefits. Contact your nearest O2 Dental Group location to verify your specific plan before scheduling.

No Dental Insurance? You Have Options.

A significant share of patients who walk into O2 Dental Group offices do not have dental insurance — and cost concerns are almost always the reason they have delayed care. The O2 Advantage Plan was built specifically for this situation.

The O2 Advantage Plan is an in-house membership available at all six locations. It is not insurance — it is a membership that gives uninsured patients discounted rates on preventive and restorative care without the barriers that make insurance plans frustrating: no deductibles, no waiting periods, no annual dollar limits, no pre-authorization requirements, and no exclusions for pre-existing dental conditions.

For larger treatment plans — implants, full restorations, cosmetic work — flexible monthly payment financing through Sunbit is available at every location. Apply takes about 60 seconds and does not require perfect credit.

Learn more about the O2 Advantage Plan.

Understanding Your Dental Benefits Before You Come In

A few things are worth understanding about how dental insurance actually works before your first visit, regardless of which plan you have.

Annual maximums.

Most dental PPO plans have an annual maximum — a dollar amount after which the plan stops paying for the year. Many plans cap this somewhere between $1,000 and $2,000. Once you hit that ceiling, any remaining treatment cost comes out of pocket until the plan renews. If you have significant dental work planned, our team will help you sequence it across benefit years when that is clinically appropriate and financially beneficial.

Waiting periods.

Some plans have waiting periods for certain categories of treatment — commonly for major restorative work like crowns, bridges, or dentures. Preventive care is usually covered immediately. We will check your specific plan for waiting periods during the benefits verification call before your appointment.

The difference between coverage and payment.

A plan saying it covers a procedure at 80% does not mean you will pay 20% of the dentist’s full fee. The actual calculation involves your specific plan’s contracted rate, your deductible status, and your remaining annual maximum. Our team works through this math for you and gives you an honest estimate before treatment is scheduled.

Medicare Advantage dental benefits.

Original Medicare does not cover most dental procedures. If you have a Medicare Advantage plan with dental benefits, those plans vary significantly in what they cover and at what rate. O2 Dental Group accepts Aetna Medicare, Humana Medicare, and United Healthcare Medicare at multiple locations. Confirm your specific plan with our team — the benefits and coverage levels differ considerably between Medicare Advantage carriers.

Frequently Asked Questions — Dental Insurance at O2 Dental Group

What dental insurance plans does O2 Dental Group accept?

O2 Dental Group accepts most major PPO dental insurance plans including Delta Dental, Cigna, BCBS, Aetna, United Healthcare, United Concordia, Guardian, Humana, Ameritas, GEHA/Connection Dental, DHA/Sunlife, MetLife, and Principal. Specific plan availability varies by location. Call your nearest O2 Dental Group office or visit the location-specific insurance page to confirm your plan is accepted.

Does O2 Dental Group accept Delta Dental?

Yes. Delta Dental is accepted at all six O2 Dental Group locations in North Carolina — Durham, Raleigh, Fayetteville, Siler City, Southern Pines, and Wilmington. Call your nearest location or use the online booking form to schedule and our team will verify your specific Delta Dental plan before your appointment.

Does O2 Dental Group accept Cigna dental insurance?

Yes. Cigna dental insurance is accepted at all six O2 Dental Group locations in North Carolina. Because Cigna offers several different plan types, our team will verify your specific plan and explain your benefits before treatment begins.

Does O2 Dental Group accept BCBS dental insurance?

Yes. Blue Cross Blue Shield dental insurance is accepted at all six O2 Dental Group locations. BCBS of NC is confirmed at the Raleigh, Southern Pines, Siler City, Durham, Fayetteville, and Wilmington offices. Because BCBS offers many different plan variations, we recommend calling your nearest location to confirm your specific plan before scheduling.

Does O2 Dental Group accept United Healthcare dental insurance?

Yes. United Healthcare dental insurance is accepted at all six O2 Dental Group locations. United Healthcare Medicare plans are also accepted at the Durham, Raleigh, Fayetteville, Southern Pines, Siler City, and Wilmington offices.

Does O2 Dental Group accept GEHA or Connection Dental?

Yes. GEHA/Connection Dental is accepted at all six O2 Dental Group locations in North Carolina. This plan is commonly used by federal employees and retirees. Call your nearest O2 location to verify your specific GEHA plan details.

Does O2 Dental Group accept Tricare dental insurance?

United Concordia Tricare is accepted at all six O2 Dental Group locations in North Carolina — Durham, Raleigh, Fayetteville, Siler City, Southern Pines, and Wilmington. Tricare dental coverage is administered through United Concordia under the Tricare Dental Program. Call your nearest O2 Dental Group location to verify your specific Tricare plan details before your appointment.

Does O2 Dental Group accept Medicare dental insurance?

Original Medicare does not cover most dental procedures. However, many Medicare Advantage plans include dental benefits. O2 Dental Group accepts several Medicare Advantage dental plans including Aetna Medicare, Humana Medicare, and United Healthcare Medicare at multiple locations. Check your specific Medicare Advantage plan with our team before your visit.

What if my dental insurance is out of network with O2 Dental Group?

Out-of-network patients are welcome at all O2 Dental Group locations. Our team will file out-of-network claims on your behalf as a courtesy. You may still have out-of-network benefits available under your plan that reduce your out-of-pocket cost. We will provide a cost estimate before treatment begins so there are no surprises.

What if I do not have dental insurance?

Patients without dental insurance can enroll in the O2 Advantage Plan — an in-house membership program with no deductibles, no waiting periods, no annual limits, and discounted rates on preventive and restorative care. Flexible monthly payment financing through Sunbit is also available for larger treatment plans.

How does O2 Dental Group help with the insurance process?

The O2 Dental Group front office team verifies your dental benefits before your appointment, files claims for both primary and secondary insurance, explains your deductible, annual maximum, waiting periods, and frequency limitations in plain language, and provides a cost estimate before treatment begins. For out-of-network patients, the team files courtesy claims to help you recover any reimbursement available under your plan.

Does having insurance mean a cleaning is included at the first visit?

The first visit at O2 Dental Group is a comprehensive exam and treatment planning session. Whether a cleaning is scheduled at that same visit depends on what the clinical exam reveals and what your insurance covers. Your dentist will explain what is recommended and what your plan covers before anything is scheduled.

Ready to Schedule? Ready to Schedule? Let Us Verify Your Benefits First.

Call the O2 Dental Group location nearest you and give the front desk your insurance information. The team will verify your benefits, confirm network status, and give you a realistic picture of coverage before your first appointment. New patients are always welcome at all six locations.

Durham — (919) 813-2267 — Directions & Info
Raleigh — (919) 341-4160 — Directions & Info
Fayetteville — (910) 484-5141 — Directions & Info
Siler City — (984) 265-1655 — Directions & Info
Southern Pines — (910) 839-0055 — Directions & Info
Wilmington — (910) 377-6453 — Directions & Info