Insurance & Financing
Flexible Payment Options for Every Patient
We believe financial considerations should never stand in the way of your oral health.
Insurance
We Are In-Network With Most Major Plans
MDRN Dental Studio is in-network with a wide range of PPO dental insurance plans. This means you can be sure you're saving as much as possible and using all your benefits. Our front desk team will verify your coverage and walk you through your benefits before your appointment so you know exactly what to expect.
Not sure if we take your insurance? Call us at (469) 712-2046 — we'll look it up for you on the spot.
Verify Your InsuranceIn-Network Plans
- Aetna
- Always Care (Unum/Starmount)
- Ameritas
- Anthem Blue Cross Blue Shield
- Blue Cross Blue Shield
- Cigna
- Delta Dental
- DenteMax
- DHA (Sunlife/Assurant)
- GEHA
- Guardian
- Humana
- Lincoln Financial
- MetLife
- Principal
- United Concordia (Commercial)
- United HealthCare (UHC)
We are not able to accept HMO or Medicaid dental plans at this time.
This is not an exhaustive list — if you don't see your plan, it doesn't mean we aren't in-network. Give us a call at (469) 712-2046 and we'll check for you.
Payment Options
Convenient Ways to Pay
Cash
Always accepted — no fees, no processing time.
Credit & Debit Cards
We accept Visa, Mastercard, American Express, and Discover.
Monthly Financing
Spread the cost of treatment over time with CareCredit, Cherry, Sunbit, or Proceed Finance.
MDRN Memberships
No insurance? Our in-house membership plan covers preventive care and discounts treatment.
No Insurance? No Problem.
The MDRN Membership plan gives uninsured patients access to preventive care and meaningful discounts on all additional treatments — starting at $39/month with no waiting periods and no annual limits.
Common Questions
Insurance & Payment FAQs
Do you accept my insurance?
We are in-network with most major PPO dental plans including Delta Dental, Cigna, Aetna, MetLife, United HealthCare, BCBS, Guardian, Humana, and more. Call (469) 712-2046 and our team will verify your specific plan before your appointment — no surprises.
I don't have insurance. What are my options?
We have you covered. The MDRN Membership plan provides essential preventive care at a flat monthly rate, plus discounts on additional treatments — with no waiting periods, no claim forms, and no annual caps.
How does monthly financing work?
We partner with CareCredit, Cherry, Sunbit, and Proceed Finance to offer flexible monthly payment plans. Each has different terms and approval criteria, so our front desk will walk you through your options during your visit.
Do you offer any promotions for new patients?
Yes — new patients can take advantage of our $99 New Patient Special, which includes a comprehensive exam, full-mouth digital X-rays, and a professional cleaning. See our Specials page for current offers.
Can you tell me what my insurance covers before treatment starts?
Yes. Before care begins, our team verifies your benefits and reviews the estimate with you so you understand what your plan may cover and what, if anything, is expected out of pocket.
Can I use financing for cosmetic dentistry or dental implants?
In many cases, yes. Financing can often be used for larger treatment plans such as dental implants, veneers, crowns, clear aligners, and cosmetic dentistry. Approval and terms depend on the financing partner you choose.
Do you offer payment options for emergency dental visits?
Yes. If you need urgent dental care, we can review your insurance benefits and monthly financing options before treatment whenever possible. The priority is getting you out of pain and helping you understand the next step clearly.
What if I have dental benefits but still owe part of the cost?
That is common. Dental insurance often covers only a portion of treatment. We can help you combine available insurance benefits with monthly financing so the plan feels manageable.
Ready to Get Started?
Great Dental Care Shouldn't Break the Bank
Our team will help you understand your benefits and find the right payment option for your situation.
6451 W University Dr, Ste 300 · McKinney, TX 75071