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Insurance / Payment & Financing Options / Our Dental Work Warranty (to be uploaded)

Minimalistic Medical Room

Insurance FAQs

1. Do you accept my insurance?

Yes, we welcome all patients with out-of-network insurance benefits! While we aren't contracted directly with insurance companies, we fill out and submit all the claims on your behalf so your insurance reimburses you directly. You still get to use your benefits here, but we are able to spend more one-on-one time with you and tailor treatments specifically to your health needs rather than insurance limitations.

2. Why aren't you in-network with my insurance plan?

That’s a great question. By remaining independent, we can focus 100% on providing top-tier, uncompromised care. We use high-quality materials, partner with top dental labs, and never double-book appointments so you get our full, undivided attention.

3. Will I have to pay everything upfront?

For most visits, yes—payment is due at the time of service. However, we handle all the insurance paperwork for you. Once we submit the claim, your insurance company processes it according to your out-of-network benefits and sends the check directly to your home or bank account. If you ever have questions about a claim, our team tracks it right alongside you.

4. How much will my insurance actually cover?

Coverage varies by plan, but many PPO plans provide generous out-of-network benefits—often covering preventive care (like cleanings and exams) at or near 80% to 100% of their allowed rate.

5. Why should I pay more to come here instead of an in-network provider?

We completely understand wanting to get the most value out of your plan. Our patients choose to stay with us because of the level of care and personal attention they receive. You won't experience rushed appointments or long wait times, and every treatment plan is customized strictly for your long-term health, not dictated by an insurance company’s bottom line.

Payment and Financing Options

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Cherry Financing

Cherry payment plans help make dental care more affordable by allowing you to pay for treatment over time. Enjoy a simple, seamless payment experience with flexible options and competitive terms - so you can focus on achieving your brightest smiles. 

 

  • True 0% APR Options

  • Apply in Seconds

  • No Hidden Fees


If you would like more details, please feel free to call our office today!

Contact Us

Address

2502 Galen Dr
Suite 103
Champaign, IL 61821

Contact

(217) 366-0050

Opening Hours

Mon - Thu

8:00 am – 5:00 pm

Friday

By appointment only

Sat - Sun

Closed

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© 2026 Bright & Right Dental. All rights reserved.
Serving the Champaign-Urbana community with trusted, family-friendly dental care.

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