Insurance and payment, explained.

Plans we accept

Modern Smiles Kids bills through Modern Smiles, the practice it sits inside, and is in-network with most major PPO plans. The carriers the office accepts include:

• Aetna
• Ameritas
• Anthem Blue Cross
• Careington
• Cigna
• Delta Dental
• Dental Health Alliance (DHA)
• Guardian
• MetLife
• United Concordia (UCCI)

Networks and plan designs change, and two policies from the same carrier can be in-network and out-of-network. So treat that list as a starting point rather than an answer — call (818) 763-9353 with your card in hand and we will check your specific policy before you come in.

What is usually covered for children

Preventive care — exams, cleanings, fluoride, sealants — is the best-covered category on nearly every dental plan, which is the whole argument for bringing children in twice a year rather than waiting for a problem. How much of it your plan pays, and up to what age, varies more than most people expect.

We will tell you what your plan covers before we do anything, and if something needs treatment you get the plan and the cost in writing before you agree to it. No estimate that changes at checkout.

Worth asking your plan directly

• Is Modern Smiles, 10545 Victory Blvd, North Hollywood, in network for my policy?
• How many cleanings and exams a year are covered for a child?
• Is fluoride varnish covered, and up to what age?
• Are sealants on permanent molars covered?
• What is the annual maximum, and when does it reset?
• Is there a waiting period before a new policy pays for anything?

If you do not have dental insurance

Plenty of families here do not, and it does not have to mean putting off a visit.

Cherry

Modern Smiles handles payment plans through Cherry. Checking whether you qualify is a soft credit check, so it does not affect your score, and 0% APR is available for qualifying patients. You can see estimated monthly payments on the Modern Smiles financing page before you talk to anyone.

CareCredit

Modern Smiles also works with CareCredit, a health and dental credit line, for families who qualify and prefer it.

Just ask us

If cost is the thing standing between your child and an appointment, say so on the phone. We would rather sequence treatment over a few visits, or start with the tooth that actually hurts, than have you cancel.

Medi-Cal and Denti-Cal

Call the office before you book if your child is covered by Medi-Cal or Denti-Cal. We will give you a straight answer on whether we can bill your plan, and point you toward an office that can if we cannot.

Payment at the visit

Your share is due at the appointment. If you are insured, that is your copay or coinsurance as your plan defines it — a number we will have given you before the visit, not one you find out about at the desk.