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Insurance & Coverage

Insurance

If you've been searching for a dental insurance Memphis families and professionals can actually rely on, Crosstown Dental Group works with a wide range of PPO plans and carriers to help keep your out-of-pocket costs down. Insurance is genuinely confusing. Every employer negotiates its own plan, every carrier sets its own annual maximums, and even two people with the same insurance company can have very different coverage depending on their specific policy. That's why we ask every new patient to bring their insurance card to their first visit, and why our front desk team calls ahead on your behalf whenever possible to confirm what's covered before treatment begins.

Insurance & Coverage

Coverage Varies by Plan, We Help You Make Sense of It

Below, you'll find the insurance providers we currently work with in our Memphis office. We add and update this list regularly as our relationships with carriers change, so if you don't see your plan listed, please don't assume you're out of luck. Give us a call or ask us during your appointment request and we will check your specific benefits for you.

Insurance Providers We Work With

As a family-focused dental clinic in Memphis, we try to make our office accessible no matter who your employer partners with for benefits. The providers below reflect carriers we are currently in-network with or regularly file claims for. Click any provider to learn more about how their plan typically works with our office, including what's usually covered for cleanings, fillings, crowns, and other common procedures.

Don't see your carrier here yet? That doesn't necessarily mean we can't help. Insurance networks shift often, and we frequently file out-of-network claims for patients whose plans still provide partial reimbursement. The best next step is to call our office at 901.881.1234 with your plan name and group number ready, and our team will verify your specific benefits before you ever step into the chair.

No Insurance? No Problem

Flexible Options When You Don't Have Dental Coverage

A surprising number of families and individuals in Memphis go without dental insurance altogether, whether because their employer doesn't offer it or because they're self-employed. We don't think that should stand between you and healthy teeth, so we've built a few straightforward ways to make treatment affordable even without a plan backing you up.

In-House Membership Plan

A yearly membership that bundles your cleanings, exams, and X-rays for a flat fee, plus a discount on any additional treatment you need during the year.

Payment Plans

Larger treatment plans like crowns, implants, or Invisalign can be split into manageable monthly payments so you're never facing one large bill all at once.

Third-Party Financing

We partner with outside financing companies that offer low or zero-interest plans for qualified applicants, with an approval process that usually takes just minutes.

Whichever route fits your situation, our front desk team will talk through the numbers with you honestly before you commit to anything. We'd rather you understand exactly what you're paying for than feel surprised by a bill later. You can also browse our full list of treatments on our services page to get a sense of what's typically involved with each procedure.

How to Verify Your Benefits Before Your Visit

We would rather spend five extra minutes on the phone confirming your coverage than have you leave your appointment confused about a bill. Here's how the process typically works when you book with our office:

1

Share your insurance information. When you schedule online through our appointment request form or call our office directly, let us know your carrier and member ID so we can start the verification process ahead of your visit.

2

We contact your carrier. Our team reaches out to your insurance company to confirm what's active, what's excluded, your remaining annual maximum, and whether any waiting periods apply.

3

You get a clear cost estimate. Before any significant treatment, we'll walk you through an estimate of what insurance is expected to cover and what your portion will likely be, so there are no surprises at checkout.

4

We file the claim for you. Once treatment is complete, our billing team submits the claim directly to your carrier so you don't have to deal with paperwork or chase down reimbursements.

New to our office? Take a look at our About page to learn more about our team and approach, or visit our blog for practical tips on dental care and what to expect at your first visit.

Frequently Asked Questions

Do you accept my dental insurance plan?

We work with a wide range of PPO insurance plans and carriers, and the list above reflects the providers we currently coordinate with most often. Coverage details vary quite a bit from one employer plan to the next even within the same carrier, so the safest route is to call our office at 901.881.1234 with your plan name and member ID. Our team will verify your specific benefits before your appointment, including your deductible, annual maximum, and whether any procedures require prior authorization.

What if my insurance plan isn't listed on this page?

This page lists the providers we work with most regularly, but it isn't exhaustive, and our relationships with carriers do change over time. Even if your specific plan isn't shown, we can often file out-of-network claims on your behalf, which means you may still receive partial reimbursement. Give us a call and we'll check your exact coverage before you commit to any treatment.

Can you tell me what my insurance will cover before my appointment?

Yes, and we strongly encourage it. Once you share your insurance information with us, typically when you request an appointment, our front desk contacts your carrier directly to confirm active coverage, remaining annual maximums, and whether any waiting periods apply to procedures like crowns or root canals. For any treatment beyond a routine cleaning, we'll provide a written estimate so you know roughly what to expect before you ever sit down in the chair.

Do you offer financing if I don't have dental insurance?

Absolutely. Many of our patients don't have dental insurance, and we've set up a few ways to keep treatment affordable regardless. We offer an in-house membership plan that covers routine cleanings and exams for a flat annual fee with a discount on additional work, along with internal payment plans and third-party financing options for larger treatments like implants or Invisalign. Our team can walk you through the numbers before you decide on anything.

How do I know if I still have a copay or deductible for the year?

Most dental plans reset their deductibles and annual maximums on January 1st, though some employer plans follow a different benefit year. When we verify your insurance ahead of your visit, we check exactly how much of your deductible and annual maximum you've already used so you're not caught off guard. If you're planning a larger treatment, timing it around your benefit year can sometimes make a meaningful difference in your out-of-pocket cost, and we're happy to help you think that through.

Will you file my insurance claim for me, or do I need to do it myself?

Our billing team files claims directly with your insurance carrier after your treatment is complete, whether you're in-network or out-of-network. You shouldn't need to submit any paperwork yourself in most cases. If your plan requires additional documentation on your end, we'll let you know exactly what's needed and help you put it together.

Crosstown Dental Group

Your Best Smile Starts With One Visit

Comprehensive, comfortable dental care for every member of your family — schedule your appointment at Crosstown Dental Group today.