Dental Insurance & Payment Options — North Houston
PPO, Texas Medicaid, CHIP, and Medicare Advantage dental plans. We verify your specific benefits before your appointment so you know what to expect — and if you don't have insurance, CareCredit and Sunbit financing can break treatment into manageable monthly payments.¹
832-779-5522Have your insurance card handy when you call.
Which Path Applies to You?
Pick what fits — every page has a direct call line and a clear explanation of typical coverage.
I have PPO dental insurance
Aetna, Cigna, Delta Dental, MetLife, Guardian, United Concordia, Humana and more. Preventive visits are typically covered at 100%, basic services at 70–80%, major services at 50%.² Your specific plan varies.
See PPO coverage details →I have Texas Medicaid, CHIP, or Medicare Advantage
Coverage varies significantly by program and age. Children on Medicaid/CHIP receive comprehensive dental care.³ Adults on Medicaid have more limited coverage focused on emergencies.⁴ Medicare Advantage dental varies by plan.⁵
See what's covered →I don't have dental insurance
CareCredit and Sunbit financing options (subject to lender approval) can spread treatment across manageable monthly payments. Applications are typically reviewed the same visit.
See CareCredit & Sunbit →Typical Coverage by Service — Quick Reference
This is general industry guidance — your actual coverage depends on your specific plan, deductible, and plan year limits. We verify individual benefits before every visit.
Coverage varies significantly by specific plan, employer, geography, and plan year. Numbers shown are industry norms, not guarantees. We verify your specific benefits before your visit at no charge.
Benefits Pathways for Common Situations
Links below take you to the related service page for a full patient-first explanation.
Emergency care
Most PPO plans cover emergency exams and X-rays at the same benefit rate as routine visits. Texas Medicaid covers emergency dental for adults in limited circumstances. Same-day care when we're open; after-hours guidance on the emergency hub.
Preventive & gum health
Preventive visits (cleanings, exams, X-rays) are typically covered at 100% by most PPO plans twice yearly. Bleeding gums and early gingivitis treatment fall under this umbrella.
Restorative care
Fillings, crowns, bridges, root canals are typically covered under basic-restorative or major-services benefit categories. Annual plan maximums apply.
Cosmetic treatment
Cosmetic procedures (whitening, veneers, cosmetic bonding) are generally not covered by any insurance category. CareCredit and Sunbit financing can help make these manageable.
CareCredit & Sunbit — When You Need More Flexibility
Both options let you spread costs into monthly payments — useful for major treatment, treatment beyond your annual max, or any care when you don't have insurance. Approval is through the respective lender, not guaranteed.
CareCredit
- Reusable healthcare credit line you can use again for future visits
- Promotional financing periods commonly 6–24 months⁶
- Requires a hard credit check at application
- Important: "0% interest if paid in full" promotions are deferred interest — if not paid in full by the promo end, interest is charged retroactively on the original balance at the full APR⁶
Sunbit
- Soft credit check to apply (no impact to credit score for applying)
- Fixed monthly installments typically from 3 to 72 months⁶
- Higher reported approval rates than traditional credit⁶
- Loan amounts typically up to $20,000 — generally fits most dental cases
Both CareCredit and Sunbit are third-party lenders. Approval, rates, and terms are determined by the lender. Mi Smile Family Dental does not guarantee approval and receives no additional fee for the patient's use of financing.
Plans Accepted at Mi Smile Family Dental
PPO: Aetna · Cigna · Delta Dental · MetLife · Guardian · United Concordia · Humana · United Healthcare
Government programs: Texas Medicaid (STAR) · CHIP · Medicare Advantage (many plans accepted — call to verify yours)
Financing: CareCredit · Sunbit (subject to lender approval)
Dedicated pages: Aetna · Cigna · Delta Dental · Medicaid · Medicare · CHIP
Not sure if we take your plan? Call 832-779-5522 with your card — we verify your specific benefits at no charge.
Frequently Asked Questions
General information only. When in doubt about the severity of your situation, err on the side of caution and call us or go to the ER.
Let Us Verify Your Benefits Before Your Visit.
Same-day slots are limited. The sooner you call, the sooner we can help.
Call 832-779-5522You're in Experienced, Caring Hands
Every patient sees the same doctor — Dr. Maddipati. No rotating associates.
A dentist who chose public health first
Dr. Maddipati earned her Master of Public Health before her dental degree — an unusual path that shapes how she practices. Accessible, honest, kind. She accepts Medicaid because she means it.
Patients often tell her she's the first dentist who made them feel truly at ease. That's not an accident — it's the whole point.
References
- CareCredit and Sunbit are third-party financing providers. Approval, interest rates, and terms are determined by the lender. Mi Smile Family Dental does not guarantee approval or specific terms.
- National Association of Dental Plans (NADP). Industry norms for PPO coverage tiers. nadp.org
- Texas Health and Human Services — Medicaid/CHIP dental benefits for children (EPSDT). hhs.texas.gov/services/health/medicaid-chip
- Texas Medicaid adult dental coverage — emergency-focused. hhs.texas.gov/handbooks/starplus-handbook/6500-dental-services
- Kaiser Family Foundation. Medicare Advantage 2026 Spotlight — January 2026. Approximately 98% of individual MA plans offer some dental benefit in 2026. kff.org. See also CMS 2026 MA projection, March 2026.
- Industry comparisons of CareCredit and Sunbit, including approval rates and deferred-interest mechanics (2026 analyses). Lenders determine individual terms at application.
Last reviewed: 2026