We accept all dental insurance plans at Floss & Co. We work with every major carrier and file claims directly on your behalf, so you can focus on achieving a healthy, beautiful smile without the hassle of paperwork.

Our administrative team handles insurance verification, claim submissions, and benefit explanations. We believe your time should be spent in the chair getting quality care, not navigating confusing insurance policies. That’s why we take care of the details for you.

We Accept All Major Insurance Carriers

Our practice works with Aetna, Cigna, Delta Dental, MetLife, Guardian, Humana, United Healthcare, and every other dental insurance provider. If your plan isn’t listed here, don’t worry. We still accept it and will work directly with your carrier to maximize your benefits.

Before your appointment, we verify your coverage and provide clear estimates for any recommended treatments. You’ll know what your insurance covers and what you may owe out of pocket before any work begins. No surprises, no hidden fees, just straightforward communication about our payment policy and the various options available to you.

How We Help You Use Your Benefits

Most dental insurance plans cover preventive care like cleanings and exams at 100%. We encourage you to take full advantage of these benefits with regular visits to our practice. Catching problems early through preventive care often saves you from more extensive treatments down the road.

For restorative dentistry procedures like crowns, bridges, or fillings, insurance typically covers a portion of the cost. Our team provides pre-treatment estimates that break down your coverage and any remaining balance. We can also help you plan treatments across benefit years to maximize your annual maximum.

If you’re considering orthodontics with Dr. Murphy or Dr. Silva, we’ll check whether your plan includes orthodontic benefits. Many patients are surprised to learn their insurance helps cover braces or Invisalign, especially when airway expansion benefits are part of the treatment plan.

Payment Options Beyond Insurance

We understand not everyone has dental insurance, and we never want cost to prevent you from receiving care. That’s why we accept cash, Visa, MasterCard, American Express, and Discover. We also offer prepaid discounts when you pay in full for treatment.

Third-party financing through Care Credit and Lending Club provides flexible payment plans for larger procedures. Whether you’re interested in All-on-X implants, cosmetic dentistry, or comprehensive orthodontic care, these financing options break treatment costs into manageable monthly payments.

Our team works with you to find a payment solution that fits your budget. Your health and well-being are our top priority, and we’re committed to making quality dental care accessible.

What to Expect at Your First Visit

Bring your insurance card and photo ID to your first appointment at our Archer Avenue office. We’ll handle the rest. Our team files claims, tracks payments, and communicates with your insurance company throughout your treatment.

Complete your patient forms online before your visit to save time. If you prefer, you can arrive 15 minutes early to fill out paperwork in our office. Either way, we make the process as convenient as possible.

Have questions about your coverage before scheduling? Call us at (773) 586-5522. Our administrative professionals are happy to verify your benefits and explain how your insurance works with our practice.

Insurance Coverage for Different Treatments

Many of our patients ask about coverage for specific procedures. While every plan is different, we can give you general guidance. Teeth whitening and veneers are typically considered cosmetic and may not be covered. However, treatments that restore function, like dental fillings or crowns, often receive partial coverage even when they improve your smile’s appearance.

Our non-surgical laser gum contouring may be covered if it addresses a functional concern like uneven gum tissue affecting your bite. We provide documentation to your insurance company explaining the medical necessity of recommended treatments.

For airway expansion procedures, insurance coverage varies. Many plans recognize the health benefits of improved breathing and provide coverage similar to traditional orthodontic treatment. Dr. Murphy and Dr. Silva include comprehensive airway assessments in orthodontic consultations, and we work with your insurance to secure coverage when possible.

Our Technology Investment Pays Off

We invest in state-of-the-art cleaning technology and equipment, which means more efficient, comfortable care for you. Our same-day crown capabilities using digital scans eliminate goopy impressions and reduce the number of appointments you need. Fewer visits often mean lower out-of-pocket costs and less time away from work or family.

Our closed-mouth whitening system reduces post-treatment sensitivity, and our laser technology for procedures like gum contouring often requires no anesthetic and minimal downtime. These advanced techniques may help you avoid additional treatments, saving you money in the long run.

Transparent Care in the Midway and Chicago Community

We’re proud to serve our Midway and Chicago neighbors with honest, transparent dental care. Our highly qualified dentists, hygienists, technicians, and administrative professionals work as a team to find the best treatment option for your needs and budget.

We welcome patients from all demographics, including older adults and the LGBTQ+ community. Everyone deserves comfortable, inclusive dental care, and we work to create an environment where you feel respected and valued.

Ready to use your dental insurance at a practice that puts your needs first? Contact us to schedule an appointment or ask questions about your coverage. Our team is here to help you understand your benefits and create a treatment plan that works for you.

Frequently Asked Questions

What if I don’t have dental insurance?

We welcome patients with or without insurance. If you don’t have coverage, we offer several payment options to make care affordable. We accept cash, Visa, MasterCard, American Express, and Discover. We also provide prepaid discounts when you pay in full for treatment. Additionally, we work with third-party financing companies like Care Credit and Lending Club, which offer flexible payment plans that allow you to break treatment costs into manageable monthly payments.

How do I know what my insurance will cover?

Call us before your appointment at (773) 586-5522, and we’ll verify your benefits. Our team contacts your insurance carrier directly to understand your coverage, including your deductible, annual maximum, and what percentage they cover for different types of procedures. We provide a clear estimate before starting any treatment so you know exactly what to expect.

Does insurance cover orthodontics at your practice?

Coverage for orthodontic treatment varies by plan. Some insurance policies include orthodontic benefits with a lifetime maximum, while others exclude orthodontics entirely. During your consultation with Dr. Murphy or Dr. Silva, we’ll verify your specific coverage and explain your options. Many patients find that insurance helps cover a portion of braces or Invisalign costs, especially when airway expansion is part of the treatment plan.

Can I use my insurance for emergency dental care?

Yes, most insurance plans cover emergency dental care. Coverage depends on the specific treatment needed. A simple examination may be covered as a preventive or basic service, while procedures like extractions typically fall under major services. If you have a dental emergency, call us right away. We’ll work with your insurance to get you the care you need without delay.

What isn’t covered by dental insurance?

Most dental insurance plans do not cover purely cosmetic procedures like teeth whitening or veneers. However, some treatments that improve both function and appearance may receive partial coverage. For example, crowns restore damaged teeth and often qualify for coverage even though they enhance your smile.

Insurance typically excludes experimental or elective procedures, and some plans limit coverage for certain treatments like orthodontics or dental implants. Pre-existing conditions may also face coverage restrictions depending on your plan. Our team will always provide a clear estimate and help you find a payment solution that fits your budget.