Dental Insurance and Financing Options in Charleston, West Virginia
Understanding your dental payment options shouldn’t be complicated. At Simpson Dental, we believe in making exceptional dental care accessible to everyone in Charleston and throughout West Virginia. As a non-restricted provider, we work with all insurance plans while offering flexible financing solutions to help you achieve the healthy, beautiful smile you deserve.
Your dental health is an investment, and we’re committed to helping you navigate the financial aspects of your care with clarity and transparency. Below, you’ll find detailed information about our insurance and financing options designed to make high-quality dental care affordable.
Understanding Our Insurance Approach
At Simpson Dental, we’re proud to be a non-restricted provider, meaning we can file claims with any dental insurance provider on your behalf. This approach gives you maximum flexibility in choosing the dental care that’s right for you, regardless of your insurance plan.
How We Work With Your Insurance
Unlike many dental practices, we prioritize quality care over insurance limitations. Here’s what makes our approach different:
- We bill any dental insurance on your behalf
- Your insurance provider reimburses you directly
- We’re out-of-network with all insurance companies, which gives us freedom to provide the highest quality care without compromise
- Our experienced team helps maximize your benefits and handles all the paperwork
We understand dental insurance is different from medical insurance—dental plans typically have annual maximums ranging from $1,000 to $2,000. Our team at Simpson Dental is skilled at helping you get the maximum benefit from your coverage while never letting insurance limitations dictate your quality of care.
Why We Choose Quality Over Network Restrictions
Many insurance companies focus primarily on cost reduction rather than long-term care quality. Their research shows most patients change insurance providers within five years, so their priority isn’t your long-term dental health.
At Simpson Dental, we take a different approach. Since 1948, our practice has prioritized excellence in dental care using the finest materials and most advanced techniques. With our team of experienced professionals, including three full-time lab technicians with a combined 60 years of experience, we create custom dental solutions that are both beautiful and long-lasting.
Our commitment to quality means we don’t let insurance dictate your treatment options. While we’ll always help you maximize your insurance benefits, we believe quality dentistry is ultimately the best value because it’s more beautiful and lasts longer—saving you time and money in the long run.
Flexible Financing Options
We understand that even with insurance, dental treatment can represent a significant investment. That’s why Simpson Dental offers several flexible payment options to help make your dental care affordable.
Care Credit
Care Credit is a healthcare credit card designed specifically for medical and dental expenses not covered by insurance. We’re pleased to offer Care Credit financing with these benefits:
- 6-12 month interest-free payment plans
- Simple application process
- Quick approval decisions
- Ability to use for all family members
- Convenient monthly payment options
You can apply for Care Credit directly through our office, or start your application online for faster processing.
Cherry Financing
Cherry offers patient financing solutions with:
- 6-12 month interest-free plans
- Easy online application process
- Quick decisions
- Flexible payment options
- No prepayment penalties
Cherry provides another excellent option for making your dental treatment more affordable through manageable monthly payments.
Lending Club Patient Solutions
We also partner with Lending Club Patient Solutions to offer additional financing flexibility:
- 6-12 month interest-free payment plans
- Competitive rates
- Online application
- Extended payment options
- Fixed monthly payments
Apply online through our Lending Club application link to explore your financing options.
Making Advanced Dentistry Affordable
Our financing options are designed to make advanced dental procedures more accessible. Whether you’re considering dental implants, cosmetic dentistry, or restorative treatments, our team can help create a financial plan that works for your budget.
Many of our patients are surprised to learn how affordable quality dental care can be with our payment options. Instead of postponing necessary treatment due to financial concerns, our flexible plans allow you to:
- Get the treatment you need when you need it
- Spread payments over time
- Maintain your dental health without financial stress
- Invest in long-lasting solutions rather than temporary fixes
Frequently Asked Questions About Insurance and Financing
If I’m out-of-network, can I still use my dental insurance at Simpson Dental?
Yes! As a non-restricted provider, we accept all dental insurance plans. We file claims on your behalf, and your insurance company reimburses you directly. Our team works diligently to help you maximize your benefits.
How do I know which financing option is best for my situation?
Our friendly administrative team can help you compare options based on your treatment plan, budget, and preferences. We’ll explain the application process, interest rates, and payment terms for each option so you can make an informed decision.
Can I combine insurance and financing for more expensive procedures?
Absolutely. Many patients use their insurance benefits to cover a portion of their treatment and then finance the remaining balance. This approach makes even extensive dental work more manageable.
Do you offer payment plans directly through the practice?
We primarily work with our financing partners (Care Credit, Cherry, and Lending Club) to provide payment plans. These companies specialize in healthcare financing and offer competitive terms and simple application processes.
How can I find out what my insurance will cover before treatment?
Our experienced team can provide treatment cost estimates and help you understand your insurance coverage before proceeding with care. We believe in transparency and will answer any questions about costs upfront.
Why Choose Simpson Dental for Your Care
At Simpson Dental, we’re proud to continue a legacy of exceptional dental care that began in 1948 when Robert R. Simpson, DDS (Dr. Bob) founded our practice. Today, Dr. Mark Simpson, Dr. Christen Simpson Raynes, and Dr. Chase Preston carry forward this tradition of excellence.
Our practice features an on-site dental lab that allows us to create custom restorations that fit perfectly and look natural—often in as little as one day. This unique advantage, combined with our commitment to using the finest materials and advanced technology, ensures you receive the best possible value and care for your smile.
Contact Simpson Dental
Ready to learn more about your insurance and financing options? Our knowledgeable team is here to help you navigate your payment choices and find the solution that works best for you. Contact Simpson Dental at (304) 342-6162 or fill out our contact form to get started on your journey to a healthier, more beautiful smile.