What dental insurance do you accept?

We accept most PPO dental insurance plans including Metlife, Delta Dental, Guardian, Cigna, and Aetna. We are not in-network with HMO or Medicaid dental plans. If you are unsure whether we accept your plan, call us and we will check for you.

Do I need to pay upfront for emergency dental work?

If you have insurance, we collect your estimated copay or coinsurance at the time of service. We file the claim directly with your insurance company. If you do not have insurance, payment is due at the time of treatment, but we offer CareCredit financing and accept all major credit cards.

What is CareCredit and how does it work?

CareCredit is a healthcare credit card that lets you pay for dental treatment over time. You can apply online in minutes and get an instant decision. Plans range from 6 to 24 months, and some promotional plans offer no-interest financing if paid in full within the promotional period.

Can I get emergency dental care without insurance?

Yes. We treat patients with and without insurance. If you do not have coverage, we give you a clear cost estimate after the exam and before treatment begins. We accept cash, all major credit cards, and CareCredit financing. We will never turn someone away for a genuine dental emergency.

Will you verify my insurance benefits before treatment?

Yes. We verify your insurance benefits before starting treatment so you have an estimate of your out-of-pocket cost. Keep in mind that insurance estimates are not guarantees of payment. Your actual coverage depends on your specific plan terms, remaining annual maximum, and whether you have met your deductible.

Insurance and Payment Options

We accept most PPO dental insurance plans and offer flexible payment options. Cost should not keep you from getting the emergency care you need.

539-995-5962

How We Handle Insurance and Payments

Emergency Dentist of Tulsa accepts most PPO dental insurance plans including Metlife, Delta Dental, Guardian, Cigna, and Aetna. We verify your benefits before treatment so you know your estimated cost. If you do not have insurance, we offer CareCredit financing, accept all major credit cards, and provide clear pricing before any work begins. Call 539-995-5962 with questions about your coverage.

Dental Insurance Plans We Accept

We work with most PPO dental insurance providers. Here are the plans we see most often from our Tulsa patients:

Metlife

PPO plans accepted. One of the largest dental networks in Oklahoma.

Delta Dental

PPO and Premier plans accepted. Widely offered by Tulsa-area employers.

Guardian

PPO plans accepted. Common in group employer plans.

Cigna

PPO dental plans accepted. Includes Cigna DPPO network.

Aetna

PPO dental plans accepted. Covers many emergency procedures.

Do not see your plan listed? Call us at 539-995-5962. We work with many other PPO plans beyond those listed here. We will check your benefits and let you know before you come in.

How Dental Insurance Works for Emergencies

Most dental insurance plans cover emergency exams and many emergency treatments. Here is how it typically works:

You call us. Tell us you have an emergency and give us your insurance information over the phone.
We verify your benefits. Before your appointment, we check your coverage, remaining annual maximum, and what percentage your plan pays for the treatment you need.
We give you an estimate. After the exam, we tell you the total cost and your estimated out-of-pocket portion based on your insurance coverage.
We file the claim. You pay your estimated portion at the time of service. We handle all the paperwork and file the claim directly with your insurance company.

Comfortable dental office reception area in Tulsa

Payment Options If You Do Not Have Insurance

About 40% of Americans do not have dental insurance. We treat patients every day who pay out of pocket, and we make it as straightforward as possible.

CareCredit Financing

Spread the cost over 6, 12, or 24 months. Apply online in minutes and get an instant decision. Some plans offer promotional no-interest financing.

Credit and Debit Cards

We accept Visa, Mastercard, American Express, and Discover. Debit cards with a Visa or Mastercard logo are also accepted.

Upfront Pricing

We tell you the cost after the exam and before treatment. You decide how to proceed. No hidden fees, no surprise charges.

Priority-Based Treatment

If budget is tight, we address the most urgent issue first. Additional treatment can be scheduled when you are ready. We work with you.

What to Bring to Your Emergency Visit

Insurance card (if you have dental insurance)
Photo ID
List of current medications (including over-the-counter)
Payment method (credit card, debit card, or CareCredit card)
Any relevant dental records (if you have recent X-rays from another dentist, bring or have them sent)

When to Go to the Emergency Room Instead

Some dental situations need hospital care, not a dental office. Call 911 or go to your nearest emergency room if you have: facial swelling that makes it hard to breathe or swallow, swelling spreading toward your eye or down your neck, uncontrolled bleeding that will not stop with firm pressure, or trauma suggesting a broken jaw. For all other dental emergencies, call us at 539-995-5962.

Insurance and Payment Questions

Common questions about dental insurance and payment options.

Questions About Insurance or Cost?

Call us with your insurance information. We will verify your benefits and give you a cost estimate before your visit.

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