Not having dental insurance doesn’t mean putting your oral health on hold. At Thrive Dental & Orthodontics, we see uninsured patients every single day — and we’ve built real options to make care affordable without requiring you to have a benefits card in your wallet.
Whether you’re self-employed, between jobs, a retiree without dental coverage, or simply never had employer-sponsored dental insurance, you have more options than you might think. Here’s exactly what we offer.
Book your appointment at any of our six Dallas-area locations.
We hear the same story regularly. A patient skips their cleanings for a year or two because they don’t have insurance. A small cavity goes undetected. By the time they come in, it’s become a crown — or worse, a root canal and a crown. The cost of waiting is almost always higher than the cost of the preventive care they avoided.
Two dental cleanings per year under our discount plan cost nothing beyond the annual membership fee. A crown costs significantly more. The math is straightforward — preventive care is the most cost-effective dental decision you can make regardless of your insurance status.
We’ve helped patients come back after years away, get caught up on what’s needed, and build a plan to stay on top of their care going forward. It’s never too late to start.
If you don’t have dental insurance, our Healthy Smiles Discount Plan is the most straightforward way to reduce your dental costs at Thrive. It’s not insurance — it’s a membership program that gives you real savings with none of the insurance headaches.
Here’s what it includes for $89 per year per adult ($49 per additional family member):
For a family of four, that’s $524 per year for coverage that includes all preventive care and meaningful discounts on any treatment that comes up. Many of our uninsured patients find this costs less than monthly insurance premiums — with fewer restrictions.
Visit our Healthy Smiles Discount Plan page for complete details and to enroll.
For patients who need restorative, cosmetic, or orthodontic treatment, we offer in-house payment plans that spread costs into manageable monthly installments. You don’t need insurance to get started — you just need a conversation with our front desk team about what works for your budget.
We can phase treatment over time when appropriate, starting with what’s most urgent and planning the rest in a sequence that makes financial sense. No patient should have to choose between dental care and other essential expenses — and our team will work with you to make a plan that doesn’t force that choice.
Ask about payment plan options when you book or at your first visit. There’s no hard sell and no pressure — just a straightforward conversation about your situation.
We hear the same story regularly. A patient skips their cleanings for a year or two because they don’t have insurance. A small cavity goes undetected. By the time they come in, it’s become a crown — or worse, a root canal and a crown. The cost of waiting is almost always higher than the cost of the preventive care they avoided.
Two dental cleanings per year under our discount plan cost nothing beyond the annual membership fee. A crown costs significantly more. The math is straightforward — preventive care is the most cost-effective dental decision you can make regardless of your insurance status.
We’ve helped patients come back after years away, get caught up on what’s needed, and build a plan to stay on top of their care going forward. It’s never too late to start.
Without insurance or our discount plan, our standard fees apply. As a general guide for common services in the Dallas area:
A routine dental cleaning and exam is typically the most affordable regular expense — and under the discount plan it’s included in your membership. Tooth-colored fillings for cavities are a moderate cost that increases with the size of the cavity. Dental crowns and root canals are higher-cost procedures where the 20% discount plan savings make a meaningful difference. Dental implants are the most significant investment, and payment plans are especially helpful for patients pursuing implant treatment without insurance.
We always present a complete cost estimate before beginning any treatment. There are no surprise bills at Thrive — you’ll know exactly what something costs before we start.
One of the most common questions we get is whether braces or Invisalign are realistic without dental insurance. The honest answer is yes — for most patients.
Orthodontic treatment at Thrive includes in-house monthly payment plans that break treatment costs into affordable installments over the treatment period. Under our Healthy Smiles Discount Plan, orthodontic treatment receives a 20% discount, which is meaningful on a treatment that spans 12–36 months.
We offer free orthodontic consultations at all six of our locations. Come in, get evaluated, and we’ll present the cost and payment options with no obligation. Many patients are surprised by what’s actually within reach when payment is structured properly.
Dental emergencies don’t wait for coverage. If you’re in pain right now — severe toothache, broken tooth, swelling, or a knocked-out tooth — call our emergency dental team. We do everything possible to see urgent cases same day regardless of insurance status.
If your children don’t have dental coverage, they may still qualify for Texas CHIP dental benefits — we accept TMHP and MCNA at participating locations. Call your nearest Thrive office to confirm availability.
For families without any coverage for kids, the Healthy Smiles Discount Plan includes family member rates at $49 per child per year. Children’s dental care — exams and xrays— is included in the membership, with the 20% discount applying to any restorative treatment that comes up.
Starting dental care early is the single best investment in your child’s long-term oral health. Don’t let lack of insurance be the reason it gets delayed.
We’ll assess the situation, explain what’s needed, present the cost upfront, and work with you on payment options before proceeding. Emergency dental care should never be out of reach because of insurance status, and at Thrive it isn’t.
Here’s a straightforward comparison to help you think through what makes sense for your situation:
Thrive Healthy Smiles Discount Plan — best for:
Individuals and families who don’t have insurance and want predictable, low-cost preventive care with discounts on anything extra. No paperwork, immediate benefits, $89/year.
In-house payment plans — best for:
Patients who need restorative, cosmetic, or orthodontic treatment and want to spread costs over time without a third-party financing company.
Paying per visit — best for:
Patients with minimal dental needs who only need occasional care and don’t want an annual commitment.
Traditional insurance — best for:
Patients whose employer covers premiums and whose plan includes significant major restorative coverage that offsets the monthly cost.
Our team is happy to walk you through these options at your first visit with no pressure toward any particular choice
Yes — absolutely. We see uninsured patients at all six of our locations every day. You don’t need insurance to book an appointment, receive care, or access our discount plan. Call any of our offices or book online
Under the Healthy Smiles Discount Plan ($89/year), two exams per year are included — effectively making each cleaning free beyond the membership cost. A healthy mouth cleaning is only $79 with the plan. Without the plan, cleaning fees vary. Our front desk can give you a current price estimate when you call.
It’s an annual membership program — not insurance — that gives you included preventive care (exams, X-rays) and a 20% discount on all other Thrive services including orthodontics. $89/year per adult, $49 for additional family members. Full details at our discount plan page.
No. You can come in, get evaluated, understand your treatment needs and costs, and decide whether to enroll at that point. There’s no requirement to join before being seen.
Yes. We offer in-house payment plans for orthodontic treatment and a 20% discount under the Healthy Smiles plan. Free consultations are available at all locations — come in and we’ll show you exactly what treatment would cost and how payment could be structured.
This is one of the most common situations we see. The Healthy Smiles Discount Plan activates immediately — no waiting period — so you can maintain your care right through a coverage gap without interruption. If you have outstanding treatment, we can discuss payment options at your visit.
The bottom line: not having insurance is not a reason to skip dental care. At Thrive we’ve built real, affordable options specifically so that cost doesn’t have to be the deciding factor.
Find your nearest 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.
