Insurance We Accept
The plans we work with, listed plainly. If yours is not here, call us anyway — we can often still bill it.
Dental plans we work with
Plan names change and employers switch administrators. If you do not see yours, call 773-366-8718 and we will check it for you in a couple of minutes.
We verify your benefits before you commit. Not after. You get a written treatment plan with the costs on it, and you decide from there. That is true for a cleaning and for a full-arch implant case alike.
Paying without a dental plan
About half the people who start larger treatment with us have no orthodontic or implant benefit at all.
In-house financing
Arranged directly with us — a down payment followed by scheduled installments. No third party involved.
CareCredit
Healthcare credit line with promotional interest-free periods, subject to approval. Monthly figure quoted at your consultation.
HSA & FSA
Both accepted, with no surcharge. A straightforward way to use pre-tax dollars on dental work.
All-inclusive pricing
Invisalign $3,279 · Implant dentures $6,999 · All-on-4 $10,999. These are the full figures, not starting points.
Financing is subject to credit approval. Rates, terms and total repayment vary by lender and are disclosed to you in writing before you sign anything.
Insurance questions
Do you take my insurance?
If your plan is on the list above, yes. If it is not, call us anyway on 773-366-8718 — plans get renamed, employers switch administrators, and we can often still bill a plan we are not contracted with. It takes a couple of minutes to check.
What if I am out of network?
Many plans still pay a share for an out-of-network dentist. We will submit the claim on your behalf and tell you the likely out-of-pocket figure before treatment begins, so there is no surprise at checkout.
Will you tell me what I owe before you start?
Yes. We verify your benefits before your appointment and give you a written treatment plan with the costs on it. You will know the number before you agree to anything. That applies to a filling and to a full-arch implant case alike.
What if I do not have dental insurance?
Roughly half our larger cases are paid for without any insurance at all. We offer in-house financing, accept CareCredit, and take HSA and FSA cards. Our published prices — $3,279 for Invisalign, $6,999 for implant dentures, $10,999 for All-on-4 — are all-inclusive, not starting points.
Do you accept Medicaid or All Kids?
Call and ask on 773-366-8718. Coverage programs change, and we would rather give you an accurate answer on the phone than a stale one on a web page.
Can I use insurance for Invisalign?
Sometimes. Many plans include a lifetime orthodontic maximum, commonly somewhere between $1,000 and $3,000, but not every plan extends it to clear aligners and some cap it by age. We verify your specific benefit before you commit.
Not sure what your plan covers?
Call us with your plan name and we will verify it before you come in.
What to expect with your specific plan
Every plan behaves a little differently. Here is what matters about each of the ones we see most, and what to have in hand when you call. Whichever you are on, we verify your benefits before your visit and give you a written estimate — you will not find out what you owe while you are in the chair.
Delta Dental
Delta Dental is the most common dental plan in Illinois, and the one patients most often misread. Delta writes several plan types — the tier your employer bought, not the Delta name on the card, is what decides your share of the bill.
The plan type is printed on your card. Give us the member ID when you call and we will confirm which plan you are on, what it pays, and how much of your annual maximum is left, before you sit down.
Call 773-366-8718 Request an appointment ↑ back to all plans
TeamCare
TeamCare covers a lot of working households on the South Side — drivers, warehouse workers, and their families. If you are on a Teamsters-negotiated plan, the dental benefit is often better than people assume, and it routinely goes unused.
We file with TeamCare directly. Tell us your shift pattern when you call; Saturday hours run 9am–2pm and weekdays to 5pm, and we would rather schedule around your work than have you lose a day's pay to a cleaning.
Call 773-366-8718 Request an appointment ↑ back to all plans
Blue Cross Blue Shield
Blue Cross Blue Shield of Illinois covers an enormous share of this state, and its dental benefits are frequently administered separately from the medical side. That is why so many patients are not sure whether they have dental at all.
If your card is the medical one, the dental benefit often sits with a separate administrator — in Illinois, frequently DNOA. Call us with the ID number and we will check it. That is a two-minute job for us and a long hold for you.
Call 773-366-8718 Request an appointment ↑ back to all plans
Dental Network of America (DNOA)
DNOA administers dental benefits on behalf of other carriers, including many plans carried alongside Blue Cross Blue Shield coverage. Patients often have not heard of DNOA until it turns up on their claim paperwork.
It changes nothing for you at this office. We submit to DNOA directly and verify your benefit before your visit, the same as any other plan.
Call 773-366-8718 Request an appointment ↑ back to all plans
Aetna
Aetna dental plans vary widely between employers. Two people holding the same card can have different annual maximums, different waiting periods and different coverage for major work.
We verify your specific Aetna plan rather than a generic version of it. If a waiting period applies to the treatment you want, we will tell you when it opens and plan around it — and get the preventive care your plan covers now on the books.
Call 773-366-8718 Request an appointment ↑ back to all plans
Cigna
Cigna sells dental in several shapes, and the difference between a DPPO and a managed-care plan changes both what you pay and where you are able to go.
The plan name is on your card. Give us the member ID and we will confirm what your Cigna plan covers here before your appointment, so there is no surprise at checkout.
Call 773-366-8718 Request an appointment ↑ back to all plans
UnitedHealthcare
UnitedHealthcare dental is sold both through employers and directly to individuals, and the two behave quite differently. Which one you hold is not always obvious from the card.
Call us with the member ID and we will sort out which you have and what it pays. If you are covered by a second dental plan as well, bring both — coordinating benefits can meaningfully reduce what you owe, and we will file with both carriers.
Call 773-366-8718 Request an appointment ↑ back to all plans
Humana
Humana writes both employer dental plans and the dental benefits attached to Medicare Advantage plans. They are not the same thing, and the Medicare Advantage dental allowance is the one most often left unspent at the end of the plan year.
Bring the card either way. We will check what is available to you this year before it expires, and file the claim for you.
Call 773-366-8718 Request an appointment ↑ back to all plans
GEHA
GEHA covers federal employees, postal workers and retirees through FEDVIP. If you work for the federal government on the South Side, this is very likely your dental plan — and FEDVIP dental benefits tend to be generous and underused.
Under FEDVIP, dental is a separate enrollment from your FEHB health plan, which is exactly why some people are unsure they have it. Call with your card and we will confirm your tier, any waiting periods, and what it pays toward major work.
Call 773-366-8718 Request an appointment ↑ back to all plans
Principal
Principal dental usually arrives as part of an employer benefits package alongside life and disability cover — which is why people forget they have it until open enrollment comes round again.
Check your benefits statement, or just call us with your member ID; we can usually verify it faster than you can get through to HR. Most plans reset annually and unused benefit does not roll over, so if you have treatment you have been putting off, it is worth checking now.
Call 773-366-8718 Request an appointment ↑ back to all plans
Careington — a discount plan, not insurance
This one works differently from everything above, and the difference matters. Careington is a dental discount plan. It does not pay a share of your treatment — it reduces the fee you pay. There is no annual maximum, no deductible, no waiting period, and no claim to file.
Because there is no annual cap to run out of, a discount plan can work out well for larger treatment. Tell us your plan tier when you call and we will quote the work you need at the plan rate, in writing, before anything starts.
Call 773-366-8718 Request an appointment ↑ back to all plans
Not listed above? We also accept MetLife, United Concordia, Guardian, Sun Life, Ameritas and Elite, and we can often bill plans that are not on this page at all. Call 773-366-8718 and ask — it takes a minute to check.
Accepting a plan means we submit claims to it on your behalf. It does not guarantee that your individual policy covers a specific procedure; coverage depends on your plan's benefits, limitations, waiting periods, deductible and annual maximum, all of which we verify before treatment. Comfort Family Dental is an independent dental practice and is not affiliated with, endorsed by, or sponsored by any of the plan administrators named on this page. Delta Dental is a trademark of Delta Dental Plans Association; TeamCare is a trademark of Central States Funds; Blue Cross Blue Shield is a trademark of the Blue Cross Blue Shield Association; DNOA is a trademark of Dental Network of America, LLC; Aetna is a trademark of Aetna Inc.; Cigna is a trademark of Cigna Intellectual Property, Inc.; UnitedHealthcare is a trademark of UnitedHealth Group Incorporated; Humana is a trademark of Humana Inc.; GEHA is a trademark of Government Employees Health Association, Inc.; Principal is a trademark of Principal Financial Services, Inc.; Careington is a trademark of Careington International Corporation. Each mark is used here only to identify a plan we accept.