Insurance & Financing

If you need a dentist in the St. Cloud area, Smile City Dental is currently accepting new patients. We offer several services, from general to cosmetic dental procedures. Along with dental insurance, we also offer financing.

Dental Insurance Services

Smile City Dental accepts most dental insurance plans. Here are some of the insurance providers we accept:

Delta Dental, Cigna, Aetna, Guardian, Principal, Assurant, Premier, Health Partners, United Health Care, Humana, Geha, United Concordia, and more.

As a service to our patients in St. Cloud, MN, we can check your plan to make sure we accept the insurance and outline what coverage you have on it.

Out-of-Pocket Expenses

While your plan will probably cover most of the dental expenses, some services, such as cosmetic procedures, are not covered by most dental insurance companies. However, we do accept payments from:

  • All major credit cards
  • Cash Payments
  • Checks

Financing Options

Smile City Dental also offers financing options that provide reasonable monthly payments.

CareCredit®️ Financing

CareCredit®️ offers financing options, such as an option that gives you 18-months to pay your out-of-pocket expenses. One of the benefits of using this option is that the company doesn’t charge interest.

Careington Dental Plans

We also accept discount plans from Careington since we are one of their preferred providers in St.Cloud. This company offers dental plans that give you a discount from providers on their network, such as Smile City Dental.

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