Mill Mountain Dentistry By Opulent Dental accepts most major dental insurance plans - including Delta Dental, Cigna, Aetna, MetLife, and United Healthcare - along with Virginia Medicaid (Cardinal Care Smiles) and CareCredit financing for patients paying out of pocket. Below is a full breakdown of accepted plans, financing options, and ways to lower your out-of-pocket cost.
Which Dental Insurance Plans Does Mill Mountain Dentistry Accept?
Cost is one of the biggest reasons people put off dental care - and one of the first questions we hear from new patients is simply: will my insurance cover this? Mill Mountain Dentistry By Opulent Dental works with the following major dental insurance carriers, as well as Virginia Medicaid:
- Anthem BlueCross
- Aetna
- Cigna
- Delta Dental
- Guardian
- MetLife
- GEHA
- Ameritas
- Principal
- United Healthcare
- Virginia Medicaid (Cardinal Care Smiles, formerly Smiles For Children)
Coverage details vary by employer and individual plan, so the most accurate way to know what's covered is to bring your insurance card - or Medicaid card - to your visit. If you're getting your first checkup at a new practice, start with a routine cleaning and exam so we can verify your benefits before any larger treatment is recommended.
What If I Don't Have Dental Insurance?
Going without dental insurance doesn't mean going without options. We offer CareCredit financing, which lets you split the cost of treatment into manageable monthly payments, often with promotional interest-free periods depending on the plan you choose. Before any treatment starts, we'll give you a clear, written cost estimate so you know exactly what to expect.
Tips to Reduce Your Out-of-Pocket Dental Costs
1. Don't Skip Preventive Care
Routine cleanings and exams are the least expensive part of dental care - and skipping them is usually what leads to the most expensive part: emergency treatment. Catching a small cavity early costs a fraction of what a root canal or extraction costs later.
2. Ask for a Full Treatment Plan Before You Start
If you need a larger procedure like a dental implant or a dental bridge, ask us to lay out the complete plan and cost up front. Multi-step treatments are easier to budget for when you can see the whole picture, not just the next appointment.
3. Use an HSA or FSA If You Have One
Health savings and flexible spending account funds can be used for most dental treatment, including cleanings, fillings, crowns, and orthodontics.
4. Ask About Bundling Treatment
In some cases, procedures can be combined into fewer visits, which can reduce total cost and the number of times you need to take time off work.
Emergency Care Shouldn't Wait on Cost Questions
If you're in pain right now, don't let cost concerns keep you from calling. Our team will talk through your options - insurance, Medicaid, financing, or a payment plan - the same day you call. Visit our emergency dentist locations to find the fastest way to reach us from Roanoke, Cave Spring, Salem, Hollins, or Vinton.
Frequently Asked Questions
Does Mill Mountain Dentistry accept Medicaid?
Yes. We accept Virginia Medicaid, including the Cardinal Care Smiles dental program (formerly known as Smiles For Children), in addition to most major commercial dental insurance plans. Call our office at (540) 769-6370 to confirm your specific plan before booking.
What is CareCredit and how does it work?
CareCredit is a healthcare credit card that lets you pay for dental treatment over time instead of all at once. Depending on the amount and the promotion available at the time, some plans offer interest-free periods if paid within a set timeframe.
Do you offer payment plans for expensive treatments like implants?
Yes. For larger treatments, we'll walk you through financing options, including CareCredit, so the cost can be spread over several months rather than paid in full up front.
Can I use my HSA or FSA for dental treatment?
In most cases, yes. Cleanings, fillings, crowns, orthodontics, and most other dental treatments typically qualify for HSA or FSA reimbursement. Check with your plan administrator for your account's specific rules.
What if I need emergency care and I'm worried about the cost?
Call us first. We'd rather talk through your payment options - including Medicaid and financing - before you decide to wait out the pain. Waiting on a dental emergency almost always ends up costing more, not less. Contact our office any time to get started.
Medically Reviewed By
Dr. Priyanka Dutt, DDS, is the Founder and Clinical Leader of Opulent Dental, overseeing clinical standards and patient care across all Opulent Dental offices, including Mill Mountain Dentistry By Opulent Dental in Roanoke.