INSURANCE & FINANCIAL POLICY

We're in-network with most major PPO plans. Here's what to expect.

Q: Why don't you list specific prices on the website?

Because prosthodontic pricing depends on what's in your mouth. A crown can be straightforward or part of a complex reconstruction. Listing 'starting at' prices tends to mislead patients more than help them.

World Smiles is in-network with most major PPO dental insurance plans. We verify your specific benefits before your consultation, file claims directly with your carrier, and give you your real out-of-pocket cost in writing before any work begins. No back-and-forth. No surprises.

Get a Treatment Plan with Locked Pricing Or call 347-378-7827

HOW BILLING WORKS

Straightforward, verified before you start.

We verify your specific plan before your consultation, walk through what's covered, and give you the numbers in writing. Here's how it works.

We verify your coverage before treatment.

Before your consultation, we contact your carrier to confirm what's covered, what your remaining benefits are, and where your deductible or annual maximum stands. You know the numbers before we discuss treatment.

We file your claims directly.

World Smiles submits insurance claims directly to your carrier. We handle the paperwork, procedure codes, and follow-up. You don't need to call your insurance or chase paperwork.

Your out-of-pocket, in writing.

Your treatment plan shows the total fee, what insurance will cover, and your actual out-of-pocket cost. Locked-in pricing at your consultation. No surprise charges added later.

FINANCING OPTIONS

Multiple ways to make treatment work with your budget.

Whether it's a single crown or full-mouth reconstruction, we have flexible financing so cost doesn't stall treatment. Most patients combine insurance benefits with one of the paths below. Every option is explained without pressure at your consultation.

Cherry Financing

Instant, transparent financing designed for healthcare. Low- and no-interest plans available. Soft credit check that doesn't affect your score. Apply during your consultation for an immediate decision.

In-office payment plans

For patients who prefer to work directly with us, we structure custom payment plans that match your treatment timeline. No third-party involvement. Terms discussed and agreed to at your consultation.

CareCredit®

The established healthcare credit card with 6- to 24-month low- and no-interest plans. Approval is typically instant. Apply ahead at carecredit.com or during your consultation.

COVERAGE EXPECTATIONS

How dental insurance usually treats prosthodontic work.

Coverage varies by carrier, tier, annual maximum, deductible, and what benefits you've already used this year. Here's how most PPO plans generally treat the kinds of work we do.

Diagnostic exams, X-rays, cleanings

Typically covered at preventive rates — often 80–100% under PPO plans.

Restorative work — crowns, bridges, dentures

Typically covered at 50-80% depending on your plan tier. Your annual maximum often limits how much applies in a single calendar year.

Dental implants

Coverage varies significantly by plan. Many PPOs cover implants at 50%, some cover only the crown portion, and some exclude implants entirely. We verify your specific benefits before quoting.

Cosmetic work — veneers, smile makeovers, whitening

Rarely covered. Most plans classify cosmetic dentistry as elective. If a procedure has both functional and cosmetic value, the functional portion is often partially covered.

Full-mouth reconstruction

Treated as a sequence of individual procedures, each evaluated separately. Components with clear medical necessity (failed restoration replacement, advanced wear, chewing function) are often partially covered. Purely cosmetic components are not.

At your consultation, we review your plan and project what we expect each treatment line to reimburse. You see the full picture before deciding anything.

SCHEDULING & CANCELLATIONS

Forty-eight hours notice, please.

Specialty appointments are long — typically 45 to 90 minutes — and we hold that time exclusively for you. If you need to cancel or reschedule, please give us at least 48 hours notice so we can offer the slot to another patient.

Cancellations with less than 24 hours notice may be charged a fee. This isn't about penalizing emergencies — it's about discouraging last-minute cancellations that leave time blocked and unused.

COMMON INSURANCE QUESTIONS

What patients ask most.

Should I call my insurance to verify my benefits before my appointment?

You can, but you don't have to. World Smiles verifies your benefits as part of your consultation — we contact your carrier, confirm your plan details, and use that information to project your reimbursement on your written treatment plan. If you'd rather call ahead, your member ID and the procedure codes you ask about depend on what we'd be doing for you, which we don't know until the consultation. Easier to let us handle it.

What if I have an HSA or FSA?

Both work fine. Most dental work — including consultations, restorations, implants, and many cosmetic procedures — is HSA and FSA-eligible. We'll provide documentation with procedure codes for your records.

Which PPO plans are you in-network with?

We accept most major PPO dental insurance plans as in-network providers. Contact us with your specific plan name and we'll confirm your coverage and benefits before your consultation.

Is the $147 Specialist Second Opinion Session covered by insurance?

We submit it as a comprehensive exam (procedure code D0150) for plans with diagnostic coverage. Many plans cover this at preventive rates. If yours does, your out-of-pocket on the $147 is reduced by whatever your plan reimburses. If yours doesn't, the $147 stands — and it's credited toward treatment if you start within 90 days regardless.

What's a 'treatment plan with locked pricing'?

At your consultation, we give you a written document listing every procedure recommended, the fee for each line, our estimate of what your insurance will reimburse, and your projected out-of-pocket. The prices on that document are locked for 90 days — meaning if you decide to move forward within 90 days of the consultation, the prices we quoted are the prices you pay. No mid-treatment increases, no surprise codes added later.

What financing options do you offer?

Multiple options: Cherry (instant healthcare financing with soft credit check), in-office payment plans structured around your treatment timeline, and CareCredit (established 6- to 24-month plans). Every option is explained at your consultation without pressure.

Why don't you list specific prices on the website?

Because prosthodontic pricing depends entirely on what's actually in your mouth. A crown can be straightforward or part of a complex reconstruction. An implant can be a single tooth or part of a full-arch case. We've found that 'starting at' prices tend to mislead patients more than help them — your real price is what you'll see in writing at the consultation.

WHEN YOU'RE READY

Get specific pricing for your specific case.

The only way to know what your treatment will actually cost is to come in. Forty-five to sixty minutes, a 3D scan, a benefits verification, and a written plan with locked-in pricing — yours to take home. $147, credited toward treatment if you start within 90 days.

Book a Consultation About the Second Opinion Session

Or call 347-378-7827.