Insurance and Financing

Coverage support and flexible payment options for your treatment

Insurance Plans We Work With

We Help You Understand Your Insurance Benefits

While we are not in-network with dental insurance plans, our team is happy to help answer your insurance questions and explain your available benefits. We can review your coverage, discuss expected out-of-pocket costs, and help you understand your payment options before treatment.

Check Your Coverage

Complete the form on the right, and our team will review your insurance information to help you better understand your benefits, estimated coverage, and any expected out-of-pocket costs before your appointment.

Our Financing Options

At Studio Dental NY, we offer Cherry and CareCredit financing to help make dental care more affordable. Qualified patients can use financing for a variety of preventive, restorative, and cosmetic treatments, including cleanings, fillings, periodontal care, crowns, dental implants, Invisalign®, veneers, and more. Full payment is due on the day of service. Patients who prepay for an upcoming procedure during a previous visit may be eligible for a 5% in-office discount. For more information, visit Cherry or CareCredit, or contact our office.

Cherry offers flexible payment plans that allow patients to divide treatment costs into smaller monthly payments. Approval is based on a soft credit check and provides quick decisions.

CareCredit is a healthcare financing option that provides short‑ and long‑term payment plans for dental treatments. Patients can use approved credit lines for any procedure.

Inside Studio Dental NY

Smile Design, Patient Transformations & Everyday Care

@drdavidtoksoy

Frequently Asked Questions (FAQ)

Do you accept dental insurance?

We are not in-network with dental insurance plans. However, we're happy to help answer your insurance questions and explain your benefits so you can better understand your coverage and expected costs.

Will I have to pay anything at my appointment?

We'll review your treatment plan and discuss any expected out-of-pocket costs with you before your visit.

Does dental insurance cover all dental treatments?

Coverage varies by plan. Our team can help you understand what your insurance may cover based on your individual benefits.

What are frequency limits?

Frequency limits are restrictions set by your insurance company regarding how often certain services are covered. For example, some plans cover cleanings twice per year, while others require a specific amount of time between visits. Similar limits may apply to x-rays, fillings, crowns, and other procedures.

How many dental exams does insurance cover each year?

Many insurance plans cover two routine dental exams per year. If you require an additional exam, such as an emergency dental visit, your insurance may not provide coverage for that third exam. Our team can help verify your benefits and explain any out-of-pocket costs.

What happens if I have used all of my dental benefits for the year?

Once your annual maximum has been reached, insurance will no longer contribute toward covered services until your benefits renew. You may still receive treatment as needed, and any remaining balance will be paid out of pocket.

Can you verify my insurance benefits before my appointment?

Absolutely. We'll review your insurance information and help explain your benefits, estimated coverage, and expected costs.

What is CareCredit?

CareCredit is a healthcare financing option that allows qualified patients to pay for dental treatment over time with flexible monthly payments. Depending on eligibility, CareCredit may offer 3, 6, 12, or 18-month promotional financing options, including no-interest plans when the balance is paid within the specified period. Applications are quick and decisions are often provided within minutes.

What is Cherry Financing?

helps make dental treatment more affordable by allowing qualified patients to split the cost of care into convenient monthly payments. The application process is fast and simple, with instant decisions and a variety of payment plan options available based on eligibility.

Have Questions?

If you need help understanding insurance, coverage, or financing options, our team can guide you through the process and provide clear next steps.