Dental Insurance & Financing at Our Concord, NC Office
Insurance Carriers We Accept in Concord, NC
Finding in-network care is one of the biggest worries patients have. We're proud to accept a wide network of dental insurance plans, which means you can use your benefits right here without additional paperwork or surprise fees. Our team handles the insurance questions — you just focus on your smile.
In-Network
Delta Dental Patients
Delta Dental is one of the most common dental plans in North Carolina. We are in-network with Delta Dental PPO and Delta Dental Premier, so your preventive care and treatments are covered at your plan's level. We'll file your claims for you.
In-Network
Aetna Patients
Aetna dental plans are widely accepted here. If you carry an Aetna PPO plan, we'll help you maximize your annual benefits and minimize out-of-pocket costs.
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Additional In-Network Carriers
We also accept many other major insurance carriers, including Anthem, Blue Cross Blue Shield, Cigna, Guardian, Humana, MetLife, United Concordia, UnitedHealthcare, Principal, Sun Life, Ameritas, and Colonial Life. If you don't see your carrier, call us — we may have you covered.
Unsure About Your Specific Dental Plan?
Give our Concord front desk a call. We will gladly look up your benefits, check your remaining annual allowance, and confirm coverage before your appointment.
How Your Dental Benefits Work Here
Understanding insurance can feel like a second job. We keep it simple. Once you schedule your first visit, we'll run a benefits check and tell you exactly what's covered. You won't get a surprise bill after your cleaning.
What to Bring to Your First Appointment
Bring your insurance card and a photo ID. That's it. If you have a referral form or prior x-rays from another office, we can request those records for you. We'll take new digital x-rays at your visit to make sure everything is current.
We'll Help You Understand Your Coverage
Before you leave, we'll explain your benefits in plain language — what your plan pays, what your portion is, and how your yearly maximum works. Dr. Kaycee Obi-Gwacham believes in clear communication, so you always know where you stand. Need a procedure that's not fully covered? We'll walk through your options so you can decide what makes sense for you.
Flexible Financing Options for Every Budget
Good dental care should not be put off because of cost. We offer third-party financing plans with low or no-interest payment terms, so you can spread payments over time. Whether you need a crown, implant, or cosmetic treatment, we'll find a payment plan that fits your budget.
What If I Don't Have Insurance?
You are always welcome here. We offer a membership plan that covers preventive care and gives you discounts on treatments. Ask our front desk about in-house savings.
Frequently Asked Questions About Dental Insurance & Financing
Do you accept my insurance plan?
We accept most major dental insurance plans, including Aetna, Ameritas, Anthem, Blue Cross Blue Shield, Cigna, Delta Dental, Guardian, Humana, MetLife, Principal Financial, Sun Life Financial, United Concordia, UnitedHealthcare, and Colonial Life. Call us or book a visit to confirm your specific plan.
Can I use insurance for cosmetic or implant procedures?
Coverage varies by plan. Some dental insurance covers restorative procedures like implants, but cosmetic treatments (veneers, whitening) are typically not covered. We will verify your benefits before treatment and explain what your plan covers so there are no surprises.
What financing options are available if my insurance doesn't cover everything?
We offer flexible financing through third-party lenders with low or no-interest payment plans. Our team will help you find a plan that fits your budget, whether you need a simple filling or a full smile makeover.
What happens if I delay care because of cost concerns?
Delaying treatment often leads to more complex and costly procedures down the road. We encourage you to talk with us about your concerns. We will provide a clear treatment plan with cost breakdowns and work with you on payment options so you can get the care you need without stress.
Ready to Find Your
Dental Home in Concord?
Southern Charm Dentistry is welcoming new patients. Book your visit online or give us a call to get started. We look forward to meeting you.
Or call us at (704) 343-5574