Financial Options at Smiles For Life

At Smiles For Life Family Dentistry, we believe quality dental care should be accessible to everyone. We’ve designed our financial policies to provide maximum flexibility while ensuring you receive the care you need without unnecessary financial stress.

Insurance Options

PPO Dental Insurance

We proudly accept ALL PPO dental plans to maximize your coverage options. As a courtesy to our patients, we:

File all insurance claims on your behalf
Provide estimates of your expected out-of-pocket expenses
Work directly with your insurance company to ensure maximum benefits
Help you understand your policy limitations and coverage details

It’s important to understand that dental insurance is different from medical insurance. Most dental plans:

Cover 100% of preventive care (cleanings, exams, x-rays)
Cover 80% of basic procedures (fillings, extractions)
Cover 50% of major procedures (crowns, bridges, dentures)
May have waiting periods for certain procedures
Have annual maximums typically between $1,000-$2,000

Remember: Your dental benefits are a contract between you and your insurance company. While we’ll help maximize your benefits, we can’t guarantee coverage for all procedures.

Your smile shouldn’t wait for your budget. Explore flexible payment solutions that make dental care affordable – from insurance filing to monthly financing.

Payment Options

Dental Savings Plan

At Smiles for Life Family Dentistry, we’re committed to making top-quality dental care affordable for everyone—whether or not you have insurance. Our In-House Dental Savings Plan is a simple, budget-friendly alternative that gives you access to the care you need without the red tape of traditional insurance.

Say goodbye to annual maximums, deductibles, waiting periods, and confusing claims. With our plan, you’ll enjoy clear, upfront pricing and instant savings on all treatments—from routine cleanings to major procedures.

Our membership starts at just $299 per year for individuals — that’s only about $25 a month when paid annually. It includes preventive care and deep discounts on all services throughout the year. Easy, transparent, and affordable dental care made for you.

Financing Options

Care Credit

Care Credit is a healthcare credit card designed specifically for dental and medical expenses:

0% interest financing options (if paid in full during the promotional period)
Extended payment plans available
Quick application process with immediate decisions
Use for the whole family

Sunbit Financing

Sunbit offers flexible financing options with high approval rates:

Financing for up to 72 months
Split your treatment cost into affordable monthly payments
90-second application process
85% approval rate
No hard credit check to see offers

Your dental benefits are designed to assist with a portion of your dental care costs, not to cover all expenses. Most plans haven’t significantly increased their annual maximums since the 1970s, despite rising costs of care and inflation.

Frequently Asked Questions

Q: Do you offer payment plans?
A: Yes, through Care Credit and Sunbit financing, we offer flexible payment plans to fit your budget.

Q: What if my insurance doesn’t cover a recommended procedure?
A: We’ll always discuss treatment options and associated costs before proceeding. Our Dental Savings Plan, Care Credit, and Sunbit financing can help make necessary treatment affordable.

Q: How do I know what my insurance will cover?
A: Our team will provide a complimentary benefits check and treatment estimate before your appointment. We’ll explain your expected coverage and any out-of-pocket expenses.

Q: Do you require payment at the time of service?
A: For patients with insurance, we collect estimated co-payments and deductibles at the time of service. For patients without insurance, payment is due at the time of service unless prior arrangements have been made.

Contact Us About Financial Options

Our team is committed to helping you navigate your financial options to receive the care you deserve. We understand that every patient’s situation is unique, and we’re here to find a solution that works for you.

For questions about insurance, financing, or our Dental Savings Plan, please call us at (702) 795-2273 or contact us online.

Visit us in Spring Valley, Las Vegas

Smiles for Life Family Dentistry is conveniently located in Spring Valley at 8930 W Sunset Rd Ste 190, Las Vegas, NV 89148, making us easily accessible for patients throughout Las Vegas and surrounding communities.