Cost should not be the reason you put off dental care, and it should never be a surprise you find out about afterward.
At Forest Dental Café in Frisco, we are in-network with most major PPO plans, we run an in-house membership plan for patients without insurance, and we offer several financing options for larger treatment. Every treatment plan comes with the cost in writing before anything begins.
We are in-network with most major PPO plans, including:
Plan participation can vary by the specific product within a carrier, so we verify your individual plan rather than assuming. Call 214.469.1001 with your insurance card and we will confirm your coverage and benefits in a few minutes — before your appointment, not after treatment, and without handing you a phone number to call yourself.
Do not see your plan listed? Many PPO plans still provide out-of-network benefits, and we will tell you exactly what yours would pay here.
This term gets used constantly and explained almost never, and the difference is money.
In-network means the practice has an agreement with your insurance company to charge negotiated rates. Those rates are lower than the standard fee, your plan covers its portion at the higher percentage stated in your policy, and the claim is filed directly for you.
Out-of-network means no such agreement. The dentist charges their full fee, your plan may cover a smaller percentage, and you may have to pay upfront and file for reimbursement yourself.
The practical difference on a single crown can be several hundred dollars. It is worth confirming before you book anywhere — not just here.
Four terms determine what you actually pay. Most patients have never had them explained, and misunderstanding them is where unexpected bills come from.
Deductible. The amount you pay out of pocket each year before your plan starts paying. Typically $50 to $100 per person. Preventive care is often exempt.
Annual maximum. The most your plan will pay in a benefit year — commonly $1,000 to $2,000. This figure has barely moved in decades, which is why it covers less real treatment than it used to. Anything above it is yours.
Coverage tiers. Most plans pay in three bands: preventive care such as cleanings, exams, and x-rays, often at 100%; basic work such as fillings and simple extractions, around 80%; and major work such as crowns, bridges, and dentures, around 50%. The exact split varies by plan.
Frequency limitations and waiting periods. Plans cap how often they will pay for something — two cleanings a year, one set of x-rays every few years, a replacement denture once every five years. New plans often impose waiting periods of six to twelve months before major work is covered.
We check all four for your specific plan before treatment. If a procedure falls outside what your plan will pay, you find out from us first.
This is the single most useful thing on this page.
Unused dental benefits do not roll over. Whatever your plan would have paid in a benefit year disappears when that year ends, and most plans reset on January 1. Money you paid premiums for all year simply goes back to the insurance company.
If you have treatment that has been diagnosed and postponed, and you still have benefits available, the last quarter of the year is when to use them. Treatment that can safely be staged across a December and January visit can sometimes draw on two annual maximums.
We are happy to check your remaining benefit and tell you where you stand. Call 214.469.1001 — it takes a few minutes and costs nothing.
Roughly a third of adults in the United States have no dental coverage. Our membership plan is built for them — not insurance, but a direct arrangement with the practice.
What it includes:
Plans from $100 to $300 annually, depending on the plan.
How it differs from insurance:
| Membership Plan | Dental Insurance | |
|---|---|---|
| Annual maximum | None | Typically $1,000–$2,000 |
| Waiting periods | None | Common for major work |
| Deductible | None | Usually $50–$100 |
| Claim forms | None | Required |
| Pre-existing conditions | Not excluded | Sometimes excluded |
| Coverage starts | Immediately | Varies |
There is no approval process and no one outside this office deciding whether your treatment is authorized. You join, and the discount applies.
Call 214.469.1001 to find out which plan fits.
Cash and check.
All major credit cards.
CareCredit. Healthcare financing with monthly payments, including interest-free promotional periods for qualifying patients. Useful for larger treatment such as implants, full-mouth restorative work, or orthodontics.
Cherry. Payment plans with a fast approval process and no hard credit check to see whether you qualify. Some patients prefer it for that reason alone.
In-house payment plans. For patients who would rather arrange payment directly with the practice, we can often work something out. Ask us — it is a conversation, not an application.
Between insurance, the membership plan, and these options, there is usually a way to make necessary treatment work. The worst outcome is postponing care until a filling becomes a root canal.
Every treatment plan includes the full cost before anything begins. No estimates that change halfway through, and no discovering the number at checkout.
If treatment can be sequenced — something urgent now, something that can reasonably wait — we tell you which is which rather than presenting one large total. Patients make better decisions with that information, and we would rather you treat what matters most than avoid the whole plan because of the size of it.
Do you accept Delta Dental, Cigna, Aetna, or MetLife? Yes. We are in-network with Aetna, Ameritas, Blue Cross Blue Shield, Cigna, Connection Dental, Delta Dental, Dental Select, Guardian, Humana, MetLife, Principal, United Concordia, and UnitedHealthcare. Participation can vary by the specific plan within a carrier, so call 214.469.1001 with your card and we will verify yours.
What if you are out-of-network with my plan? Many PPO plans still provide out-of-network benefits at a lower percentage. We will tell you exactly what your plan would pay here so you can decide with real numbers rather than guessing.
Do you file the insurance claim for me? Yes. We file directly with your insurance company.
How much will my treatment cost? You get the full cost in writing at your consultation, after we have verified your benefits, before you agree to anything.
What if I do not have dental insurance? Our membership plan includes two cleanings, two exams, needed x-rays, and a 15–20% discount on treatment, starting at $100 per year. For larger treatment, CareCredit and Cherry offer monthly payment options.
Is the membership plan insurance? No. It is a direct arrangement with our practice. There are no claim forms, no annual maximum, no waiting periods, and no one outside the office deciding what treatment is approved.
Does dental insurance cover cosmetic treatment? Generally no. Insurance pays for function rather than appearance, so whitening and purely cosmetic veneers are typically not covered. Where a tooth is damaged, part of the treatment may qualify — we verify and tell you where you stand.
Do my benefits roll over if I do not use them? No. Unused benefits are lost when the benefit year ends, and most plans reset January 1. If you have diagnosed treatment pending, using those benefits before the year ends is worth considering.
Can I split treatment across two years to use two annual maximums? Often yes, when the treatment can safely be staged. We can look at your remaining benefit and plan the timing with you.
Forest Dental Café serves patients throughout Frisco, Little Elm, The Colony, Prosper, and north Plano. Evening and every-other-Saturday appointments are available.
If you are unsure whether you can afford treatment, call and ask before you decide not to come in. Most of the time there is a path that works.
Call 214.469.1001 or request an appointment online.
8075 FM 423, Suite 110, Frisco, TX 75036
