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Insurance & Financing

Straightforward options for every visit

Whether you have a plan, prefer to pay directly, or need more flexibility for larger treatment, we’ll help you understand your options before you arrive.

A white office phone, notepad, and pen arranged on a desk at Sunstone Dental.
Your options

Find the path that fits

Coverage is helpful when you have it — and never required to receive care here.

Cigna or Guardian

Plans Accepted

Sunstone Dental is currently in network with select Cigna and Guardian PPO dental plans.

Cigna and Guardian PPO plans are confirmed in-network. If you have another PPO plan, please call us — we may be able to work with your carrier depending on the plan, and we’ll help check your benefits before your visit.

Another PPO

Out-of-Network Benefits

If we are not in network with your dental plan, you may still be able to use your out-of-network benefits at Sunstone Dental.

Our team can help review your benefits and submit claims on your behalf.

Not sure about your coverage? Call us before your visit and we’ll help you check — (713) 714-7997.

Dental benefits and estimated coverage vary by plan and are not a guarantee of payment.

Paying directly

No Dental Insurance?

No problem. Dental insurance is not required to visit Sunstone Dental.

You are always welcome to pay directly for your care.

Additionally, we offer the Sunstone Dental Membership Plan as an optional way to help make routine care more predictable and receive savings on eligible additional treatment.

Larger treatment

Flexible Financing Options

For larger treatment plans, financing options may be available for qualifying patients.

If you would like to explore payment options, please ask our team at the front desk during your visit or call us before your appointment.

Dental insurance, payment, and financing options.
At the desk

Simple Ways to Pay

We accept the following at the time of your visit.

  • Major credit and debit cards

  • HSA and FSA cards

  • Cash

Payment is generally due at the time services are provided unless other arrangements have been made in advance.

Common questions

Before you visit

What should I bring to my first appointment?

Photo identification, your plan details if you have them, and a list of any medications you take. If you have had X-rays taken elsewhere recently, those are useful too.

Will I know the cost before treatment starts?

Yes. You will receive a written estimate covering the planned treatment before anything is scheduled.

Do I need dental insurance to be seen?

No. Coverage is not required to visit Sunstone Dental. You are always welcome to pay directly for your care. The Membership Plan is an optional extra — never a requirement.

What if you are not in network with my plan?

You may still be able to use out-of-network benefits. Call us before your visit and we will help review your plan and submit claims on your behalf.

Have a question before you visit?

Call us — we’ll help you check your benefits and talk through payment options.