At Thrive Dental & Orthodontics, we accept most major PPO dental insurance plans across all six of our Dallas-area locations. Our front desk team verifies your benefits before your appointment — so you know exactly what’s covered and what to expect before you sit in the chair.
We believe insurance questions shouldn’t stand between you and the care you need. If you have insurance, we’ll maximize your benefits. If you don’t, we have a solution for that too. Book your appointment and let us handle the details.
We are in-network with 18+ dental insurance carriers, including:
MetLife · Guardian · Principal Life · Cigna · Humana · Beam · United Healthcare · Assurant · United Concordia · Delta Dental · Ameritas · DentaQuest · Aetna · Lincoln Financial · MCNA · Blue Cross Blue Shield · UMR · TMHP
We accept all PPO dental insurance plans. If you don’t see your carrier listed, call us — chances are we work with them. Our team will verify your specific benefits, deductibles, and annual maximums before your visit.
Many dental insurance plans include orthodontic benefits that cover a portion of braces or Invisalign treatment. Coverage varies significantly by plan — some plans cover children only, some cover adults, and the covered amount ranges from a few hundred dollars to $1,500 or more per lifetime.
If your plan includes orthodontic benefits, those benefits apply to treatment at any of our Thrive locations. Our team will pull your orthodontic coverage details at your free consultation so you know exactly how much your plan will contribute before you make any decisions.
Dental insurance operates differently from medical insurance, and understanding a few key concepts helps you use your benefits effectively.
Premiums. The monthly amount you pay to maintain your coverage, regardless of whether you use it.
Deductible. The amount you pay out of pocket before insurance begins contributing to covered services. Most dental plans have relatively low deductibles compared to medical plans.
Annual maximum. The total amount your insurance company will pay in a single calendar year. Once you hit your annual maximum, you’re responsible for remaining costs until the plan resets — typically on January 1st.
Coverage tiers. Most plans cover services in three tiers:
The key takeaway: your plan is designed to prevent problems from developing in the first place. Two cleanings and exams per year are almost always covered at 100% or near 100%. Using those benefits consistently is the most cost-effective thing you can do — a cavity caught at a cleaning is a filling; missed for a year it may become a crown.
In-network means Thrive has a contracted fee agreement with your insurance carrier. You pay less out of pocket because we’ve agreed to their negotiated rates. For the carriers listed above where we hold in-network status, your benefits go further.
Out-of-network means we don’t have a contracted rate with your carrier, but that doesn’t mean you can’t use your benefits here. Many PPO plans include out-of-network benefits that still cover a portion of your care — often 50–80% of the plan’s “reasonable and customary” rate. Our team will review your specific out-of-network benefits and give you an accurate estimate before treatment begins.
HMO plans are structured differently and generally require you to stay within a specific network of providers. If you have an HMO plan and aren’t sure whether we’re covered, call us and we’ll find out together.
Not having insurance doesn’t mean dental care is out of reach. Our Healthy Smiles Discount Plan is designed specifically for patients without insurance — and it’s genuinely one of the best values we offer.
For $89/year per adult ($49/year for each additional family member), you get significant discounts on all Thrive services with no waiting periods, no annual maximums, and no claim forms. No deductibles. No pre-authorization. Just straightforward savings every time you come in.
The plan is particularly popular with self-employed patients, small business employees, and retirees who don’t have employer-sponsored dental coverage. If you’re currently skipping dental care because of cost, this plan was built for you.
We accept TMHP (Texas Medicaid & CHIP) and MCNA at participating locations. If you or your child are enrolled in a Texas Medicaid or CHIP dental plan, contact the location nearest you to confirm coverage and availability before booking.
For children’s dental care under Medicaid, Texas CHIP covers routine cleanings and exams, X-rays, fluoride treatments, sealants, and many restorative services. Starting dental care early — the American Academy of Pediatric Dentistry recommends a first visit by age one — is especially important for children whose families rely on public coverage, as preventive care is typically covered in full.
A few things worth knowing about using your insurance at Thrive:
Use your benefits before they expire. Most dental plans reset on January 1st. Any unused annual maximum is forfeited — it doesn’t roll over. If you’re approaching year-end and haven’t used all your benefits, it’s worth scheduling any needed treatment before December 31st.
Two cleanings per year are almost always covered. Even if you feel fine, your preventive benefits exist specifically for this purpose. Use them. The dental cleaning and exam your insurance covers at 100% is what catches small problems before they become expensive ones.
Front-load treatment to meet your deductible efficiently. If you have a deductible, getting it met early in the year means the rest of your treatment that year costs less. If you know you need multiple procedures, timing matters.
Coordinate benefits if you have two plans. If you and your spouse both have dental insurance through different employers, our team can coordinate between the two plans to minimize your out-of-pocket costs significantly.
Pre-authorization for major work. For more significant procedures — crowns, root canals, implants — we can request a pre-determination from your insurance company before treatment begins. This gives you a written estimate of what your plan will cover so there are no surprises.
We accept 18+ PPO dental insurance plans. Call any of our locations or fill out our contact form with your carrier name and we’ll confirm whether we’re in-network. We work with most major carriers in the Dallas area and will help you understand your benefits either way.
Many plans include orthodontic benefits. Coverage varies — some plans cover children only, others cover adults, and lifetime benefit amounts range widely. We verify orthodontic benefits at your free orthodontic consultation so you know exactly what your plan contributes. Orthodontic benefits typically work differently from regular dental benefits — they’re usually a separate lifetime maximum rather than an annual one.
Dental implants are covered by some plans as a major restorative service, typically at 50% after meeting the deductible, up to the annual maximum. Many older plans exclude implants entirely, though this is changing as implants become the standard of care for tooth replacement. We’ll review your specific implant coverage before any treatment begins.
Once you reach your plan’s annual maximum, you’re responsible for the full cost of any additional treatment until your plan resets. If you’re approaching your maximum and still have needed treatment, we can discuss timing — some treatment may make sense to delay until your new benefit year begins. Our team will help you think through the timing
Yes. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) can be used for most dental services at Thrive — including cleanings, fillings, crowns, orthodontics, and more. FSA funds typically expire at year-end, so if you have a balance to use, don’t wait.
Call us with your insurance card and we’ll verify your benefits before your visit — coverage percentages, deductible status, remaining annual maximum, and whether you have orthodontic benefits. We do this routinely and it takes our team a few minutes. You’ll come in knowing exactly what to expect.
We’re at the corner of great care and real affordability — and we work hard to make sure insurance confusion never stands in the way of either. Find your nearest Thrive location — Allen, Frisco, Sachse, Richardson, North Dallas, or Dallas — and book your appointment today.
Conveniently located throughout the Dallas area to serve you better
Book your appointment today and experience the difference of premium dental care at an affordable price.
