Financing and Insurance
Flexible Dental Financing Up to 60 Months
Get the care you need now and spread payments over up to 60 months.
How O2 + REV Financing Works
- Apply Online in Minutes
- See your options
- Choose your treatment
- Smile now, pay over time
Flexible Financing
We accept most insurance plans. But if you’re uninsured, or your treatment is not completely covered by your dental insurance provider, we offer alternative payment options to make it easier to afford your dental treatment At O2 Dental Group, we work with third-party lenders, CareCredit® and Sunbit to make both elective smile improvements and necessary dental treatments affordable for every patient.
Enjoy budget-friendly benefits like:
- Flexible terms, including 0% or low-interest financing
- Instant approval for immediate access to funds
- Coverage of needed or elective treatments
- Financing that can be allocated solely for use with your dental implants or in conjunction with other treatments
- No hidden fees
Dental Insurance Basics
Most dental insurance plans include:
Annual maximums
A yearly cap on what the plan pays
Deductibles
What you pay first
Co-insurance
A percentage you may owe
Waiting periods
Some plans delay certain benefits
Coverage rules
That vary by preventive/basic/major services
If you’re unsure what your plan covers, we can help verify benefits and provide an estimate before starting treatment.
Dental Billing vs. Medical Billing — What's the Difference?
Most routine dentistry is billed to dental insurance. However, some services may be billed to medical insurance when they’re tied to a medical diagnosis or medical necessity.
Dental Billing
Typically applies to:
- Cleanings, exams, fillings, crowns
- Routine gum therapy
- Routine extractions
- Standard restorative and cosmetic dentistry
Medical Billing
May apply (case-dependent) when care is connected to:
- A documented medical diagnosis (examples: sleep apnea, trauma, pathology)
- Medically necessary procedures (examples: biopsies, certain reconstructive cases)
- Physician involvement, records, or required documentation
Note: The same procedure can be “dental” in one situation and “medical” in another—depending on diagnosis and plan rules. If you’re not sure, request a benefits check and we’ll guide you.
Dental Plans We Commonly Work With
We work with many PPO plans and can help patients understand their benefits and estimates. Plans and network participation can vary by location.
Common plans we accept and/or frequently file with include (not all-inclusive):
- Delta Dental
- MetLife
- Humana
- Blue Cross Blue Shield (BCBS)
- Aetna
- Ameritas
- Cigna
- GEHA
- United Concordia (including TRICARE)
- Principal
Note: This list is not all-inclusive, and network status can vary by location and plan type. If you want a definitive answer, request a benefits check and we’ll verify your specific plan.
When Medical Insurance May Help (Medical Billing Support)
In certain situations, medical insurance may contribute toward dental/oral care when the procedure is tied to a medical diagnosis, trauma, pathology, or a medically necessary condition.
If your case fits medical criteria, we can help guide the process and documentation requirements.
Examples of Procedures That May Be Eligible for Medical Coverage (Case-Dependent)
Coverage varies by plan and diagnosis, but medical insurance may sometimes help with:
Sleep & Airway
- Sleep apnea oral appliances (oral appliance therapy)
- Snoring evaluation pathways when tied to medical sleep evaluation
Oral Surgery / Medical Necessity
- Surgical/complicated extractions (in select medical scenarios)
- Procedures related to infections that require surgical management (case-dependent)
Pathology / Lesions
- Oral evaluations for suspicious lesions
- Biopsies and pathology-related procedures
Trauma / Accidents
- Treatment related to facial or dental trauma from accidents/injuries
- Trauma-related imaging or stabilization (case-dependent)
Bone Grafting / Implant-Related Medical Cases
- Bone grafting associated with trauma, pathology, or other medically documented needs
- Implant-related services when part of medically necessary reconstruction (case-dependent)
Periodontal / Gum Disease in Medically Necessary Cases
- Periodontal treatment required for medical clearance or risk reduction in certain healthcare situations (case-dependent)
Medically Driven Restorative Needs
- Restorations/crowns needed due to medically documented conditions that cause tooth damage (examples may include severe erosion related to GERD or other diagnosed medical conditions), when plan criteria are met (case-dependent)
Note: We do not guarantee medical coverage or approval. Every plan has its own rules, and documentation requirements can be strict. We’ll help you understand the path and what to expect.
No Insurance? You Might Qualify For Our In-House Dental Savings Plan
In order to make the dental care we provide affordable for you and your family, we have developed an “In-House” Dental Savings Plan for anyone who does not have dental insurance.
Benefits Include:
- No Pre-Authorization Required
- No Waiting Periods or Pre-existing Exclusions
- No Annual Limits
- No Deductibles
- Cosmetic Dentistry Included
- Discounted Dental Fees
- Save hundreds to thousands of dollars on your dental treatment
We also accept most major credit cards, personal checks, money orders and cash payments.
What We Can Help With
Depending on your plan and the type of treatment, our team may be able to assist with:
- Benefit verification (dental and/or medical, when applicable)
- Pre-treatment estimates when appropriate
- Claim submission for covered services
- Documentation guidance and coordination with physicians/providers when needed (for medical-billed cases)
Payment Options
We offer multiple ways to pay, which may include:
Credit/debit cards
CareCredit
HSA/FSA (when applicable)
Sunbit financing
Finance through a local credit union we partner with
In-house payment plans (for select cases)
We’ll review options clearly so you can choose what fits your situation.
Need Financing? Apply Online for Sunbit Financing in Just 60 Seconds!
Click the button to apply for the office where you want to receive treatment:
Request an Insurance / Benefits Check
If you’d like help understanding benefits before treatment, complete the form below and our team will contact you within 1 business day.
Benefits Check & Billing Questions
Frequently Asked Questions
General Insurance & Billing
Are you in-network with my insurance?
Network status can vary by location and plan type. Request a benefits check and we’ll verify your specific plan.
Will insurance cover my entire treatment?
Most plans do not cover 100%. Coverage depends on your annual maximum, deductible, co-insurance, and plan rules.
Can you tell me exactly what my insurance will pay?
We can provide an estimate based on verification, but the insurer makes the final decision when the claim is processed.
Do you offer payment plans or financing?
We offer multiple payment options and financing may be available depending on eligibility and treatment type. We also offer Sunbit financing and in-house payment plans for select cases.
What if I don’t have insurance?
You can still receive care. We’ll review costs and options so you can make a confident decision.
Medical Billing (Including Sleep Apnea)
Do you bill medical insurance?
In select situations, yes—when care is tied to medical necessity (such as sleep apnea appliances, trauma, pathology/biopsy, certain grafting/reconstruction cases, and other medically documented conditions). Coverage varies by plan.
Do you guarantee medical coverage or approval?
No. Coverage and approvals are determined by your insurer. We can help verify benefits and guide documentation requirements.
Do I need a physician diagnosis for medical billing?
Often yes. Many medical-billed cases require documentation from a physician or medical provider and may require specific diagnostic criteria.
I’m not sure whether my case is dental or medical. What should I do?
Start with the benefits check form. We’ll review what you share and guide you to the most appropriate path.
Insurance Disclaimer: Insurance benefits and coverage are determined by your insurer and plan. Estimates are not a guarantee of payment. Patient responsibility may change based on how claims are processed.
Medical Billing Disclaimer: Medical billing support depends on diagnosis, documentation, and plan criteria. Coverage is not guaranteed and may require physician records and/or additional approvals.
Have Questions About How To Afford Your Dental Care?
If you have questions about financing your dental treatment, Call O2 Dental Group today!
Schedule Today!
We look forward to meeting you. Call us or request an appointment online to set up your first visit. We’ll be in touch soon.
