No surprise bills
Insurance and financing
We bill 254 plans directly
254 plans accepted. No member ID needed.
- Aetna
- Cigna
- United Healthcare
- Delta Dental
- MetLife
- Guardian
- Humana
- GEHA
No insurance?
Membership from $289 a year
- Crowns
Starts at $1,850Starts at $1,199 - Invisalign
$6,450$4,700 - Boost Whitening
$295Free - ZOOM Whitening
$550$349
Includes exams, X-rays, cleanings and a complimentary whitening.
Pay over time
Spread the cost with Cherry
Split your treatment into monthly payments instead of paying it all on the day. See what you could pay, then apply in a minute or ask us at the front desk.
Payment plans are provided by Cherry and depend on approval. Terms vary by applicant.
Some of the plans we bill directly
- Aetna
- Delta Dental
- Cigna
- MetLife
- Guardian
- Humana
- UnitedHealthcare
- United Concordia
- BlueCross BlueShield
- Ameritas
- GEHA
- Principal
Financing
- Cherry
- Sunbit
- Affirm
- CareCredit
- HFD
- Alphaeon
- Happen Bank
No Social Security number? Several of our financing partners accept an ITIN. Ask the front desk which.
All 254 dental plans we accept
A
- Absolute Total Care
- Administrative Services Only
- Administrative Services Only - Management Benefit Fund
- Aegis - Excludes Careington Providers in IL and WI
- Aetna Commercial - (Excludes Careington Specialists, any NC provider, FL providers)
- Aetna Costco CorePPO
- Aetna Dental
- Aetna Dental EPP with PPO II Network
- Aetna DentalFund with PPO II Network
- Aetna Health Management, LLC. / DBA Aetna Dental
- Aetna Maximum Care
- Aetna Maximum Care - Senior Supplemental Insurance
- Aflac
- Altus Dental, Inc.
- AlwaysCare/StarMount/Unum - (Excludes Careington Providers in LA and MS)
- AmeriBen Solutions
- Ameritas Life Insurance Corp
- Ameritas Life Insurance Corp - First Ameritas Life
- Ameritas Life Insurance Corp - First Reliance Standard Life Ins Co.
- Ameritas Life Insurance Corp - Physicians Mutual Insurance Co.
- Ameritas Life Insurance Corp - Reliance Standard Life Ins Co.
- Ameritas Life Insurance Corp - Security Life Insurance Company of America
- Ameritas Life Insurance Corp - The Standard Ins Co. NY
- Ameritas PPO
- Anthem
- Anthem - Blue Cross Blue Shield
- Anthem - Empire Blue Cross Blue Shield
- Assurant Employee Benefits PPO
B
- BCBSLA Blue Dental (Advantage +)
- Beam Dental
- BEST Health Plans
- Best Life and Health Insurance Co.
- Blackhawk - Luminous
- Blackhawk - Precise
- Blackhawk - Virtue
- Blue Cross Blue Shield of Michigan
- Blue Shield of CA
- Bright Benefits
C
- CareFirst
- Careington Care Platinum POS
- Careington Care Platinum PPO
- Century Healthcare
- Cigna
- Cigna Dental
- Cigna DVH
- Colonial Life - (Excludes Careington providers in LA and MS)
- Coordinated Benefits
D
- Delta Dental
- Delta Dental PPO
- Delta Dental Premier
- Delta Health Systems
- Dental Network of America
- Dental Select - (Excludes Careington providers in UT)
- Dental Select (Select Benefits Group)
- Dental Works - Workers Comp
- DentaQuest - (Applicable to Careington providers in NV and NC)
- DentaQuest - ConnectiCare Alignment - (Applicable to Careington providers in NV and NC)
- DenteMax
- DenteMax - AlwaysCare Benefits
- DenteMax - Beam Dental
- DenteMax - Bento
- DenteMax - Colonial Life
- DenteMax - ConnectiCare
- DenteMax - DenteMax Plus and Maximum Care
- DenteMax - Level Benefits Inc. dba Level
- DenteMax - Mutual of Omaha
- DenteMax - Starmount
- DenteMax - TruAssure
- DenteMax - Unum
- DNOA - (Excludes Careington providers in KS, Missouri or CA,Dearborn National, LineCo)
- DNOA - Blue Cross Blue Shield Montana
- DNOA - Blue Cross Blue Shield of Illinois
- DNOA - Blue Cross Blue Shield of Kansas City
- DNOA - Blue Cross Blue Shield of New Mexico
- DNOA - Blue Cross Blue Shield of Oklahoma
- DNOA - Blue Cross Blue Shield of Texas
- Dominion National - Blue Cross Blue Shield of AZ
- Dominion National - Capital Blue Cross
- Dominion National - Dominion Dental Services
- Dominion National - Kaiser of the Mid Atlantic
- Dominion National - Tufts Health Plan
E
- Emblem Health/GHI - (Excludes Careington providers in NJ and NY)
- EMI Health - (Excludes Careington providers in UT)
- Employee Benefit Management Services
- Employee Painters Trust Health & Welfare
- Encore Dental/Stonebridge Life
- Equitable (Only CA, CO, CT, MA, ME, MT, NJ, PA, RI, NC, VA)
F
- FCE Benefit Administrators, Inc.
- First Dental Health, Inc.
- Foundation for Medical Care (HealthEdge)
- Free Market Administrators
- Freedom Life
G
- GEHA
- GEHA - Connection Dental Plus
- GEHA - FEDVIP
- GEHA - FEHBP
- GEHA - GEHA Solutions
- Global Management
- Group Administrators
- Group Resources Incorporated
- Guardian
- Guardian Life Insurance Company of America
- Guardian PPO
H
- Harrington/Colonial Life
- Health Markets
- Health Resources/Dental Health Options
- HealthComp, Inc.
- Healthgram
- Healthplex
- Healthplex - HealthNet of Arizona, California and Oregon
- HealthPlex, Inc.
- Humana
- Humana Dental Insurance
- Humana Dental Insurance - Alabama
- Humana Dental Insurance - Arizona
- Humana Dental Insurance - Arkansas
- Humana Dental Insurance - California
- Humana Dental Insurance - Colorado
- Humana Dental Insurance - Florida
- Humana Dental Insurance - Georgia
- Humana Dental Insurance - Humana Dental Access Discount Card
- Humana Dental Insurance - Humana Dental Traditional Preferred
- Humana Dental Insurance - Humana Federal Advantage/FEDVIP
- Humana Dental Insurance - Illinois
- Humana Dental Insurance - Indiana
- Humana Dental Insurance - Kansas
- Humana Dental Insurance - Kentucky
- Humana Dental Insurance - Louisiana
- Humana Dental Insurance - Maryland
- Humana Dental Insurance - Mississippi
- Humana Dental Insurance - Missouri
- Humana Dental Insurance - North Carolina
- Humana Dental Insurance - Ohio
- Humana Dental Insurance - Oklahoma
- Humana Dental Insurance - South Carolina
- Humana Dental Insurance - Tennesse
- Humana Dental Insurance - Texas
- Humana Dental Insurance - Utah
- Humana Dental Insurance - Virginia
- Humana Dental Insurance - West Virginia
- Humana PPO
I
- Imperial
K
- Kaiser
- Kansas City Life Insurance Company
- Key Benefit Administrators
- Kuwait Cultural Office
L
- Lifemap
- Lincoln Financial - (Excludes Careington providers in MI)
- Lincoln Financial Insurance Company
- Local 786 Building Material Welfare Fund
M
- Management Benefit Fund - (Administrative Services Only)
- Manhattan Life
- Merchants Benefit Administrators
- MetLife Insurance Company (PDP Plus)
- MetLife PPO
- MetLifeSome PDP Plus and FED VIP - (Does not access Orthodontist)
- Mid-American Benefits, Inc.
- Morgan White ‐Standard Life/Am First
- Multiflex Dental - MBA
- Mutual of Omaha
N
- National Care Dental - MBA
- National Foundation Life
- National General Accident and Health
- National Rural Electric Cooperative Association Group Benefits Program (NRECA)
- Nationwide Insurance
- New Era Life (NEL) ‐Philadelphia American
- NovaNet Inc.
- NovaNet Inc. - Aflac PPO Dental
- NovaNet Inc. - Alternative Ins Resources
- NovaNet Inc. - Arm LTD
- NovaNet Inc. - Benefit and Risk Management Services (BRMS)
- NovaNet Inc. - Boulder Admin Svcs
- NovaNet Inc. - CareFirst Blue Cross Blue Shield
- NovaNet Inc. - Chesterfield Resources
- NovaNet Inc. - CoreSource
- NovaNet Inc. - Cypress Benefit Admin
- NovaNet Inc. - DD Services, Inc
- NovaNet Inc. - Direct Care Admin
- NovaNet Inc. - Equian LLC
- NovaNet Inc. - Group Benefit Services
- NovaNet Inc. - HealthFirst
- NovaNet Inc. - Med-Pay, Inc.
- NovaNet Inc. - Northern Illinois Health Plan
- NovaNet Inc. - Nova Healthcare Admin
- NovaNet Inc. - Planstin Administrative Solutions
- NovaNet Inc. - Preferred Benefit Admin
- NovaNet Inc. - The Benefit Group Inc
- NovaNet Inc. - United Claims Solutions
- NovaNet Inc. - Varipro
- NovaNet Inc. -United Furniture Workers Insurance Fund
P
- Paramount Dental
- Paramount Dental - Dental Health Options
- Paramount Dental - Health Resources, Inc.
- Passive PPO
- Peoples Benefit Life Insurance Company
- Pequot Plus Health Benefit Services
- Preferred Health Professionals
- Preferred Health Professionals - Bricklayers Local 15
- Preferred Health Professionals - Cement Masons and Plasterers Local 518
- Preferred Health Professionals - City of Pasco
- Preferred Health Professionals - Construction Industry Laborers
- Preferred Health Professionals - Greater KC Laborers
- Preferred Health Professionals - Missouri Cooperatives
- Preferred Health Professionals - Painters District Council #3
- Preferred Insurance Specialist - (Excludes Careington providers in IL and WI)
- Premier Access (Excludes Careington providers in CA)
- Principal Financial Group
- Printing Specialties/Northwest
- Pro Benefits Admin/Dental Pay
R
- Renaissance
- Renaissance Dental
- Roofers Union Welfare Trust Fund
S
- Self Insured Services Co.
- Shasta Administrative Services
- Shelterpoint ‐Pro Benefits Admin
- SISCO
- SkyGen
- Solstice Benefits, Inc.
- Staff Benefits Management & Administrators
- Suffolk County Employee Benefit Plan
- Sun Life Financial Inc.
- Superior Dental Care
T
- The EPIC Life Insurance Company
- Trans America
- TransWestern Insurance Administrators
- TriStar Benefit Administrators
- Tuckpointers Local 52
U
- UHC Optum Dental - (Excludes Careington providers in AR, CT, FL, IA, IL, LA, Nc, NE, NY, OR, and WA)
- UltraBenefits, Inc.
- UMR
- Unimerica Dental
- United Concordia
- United Concordia Inc.
- United Concordia Inc. - Blue Cross Blue Shield of Mississippi
- United Concordia Inc. - First Priority Life Insurance Company
- United Concordia Inc. - Highmark Benefits
- United Concordia Inc. - Highmark Choice Company
- United Concordia Inc. - Highmark Delaware
- United Concordia Inc. - Highmark Select Resources Inc.
- United Concordia Inc. - Highmark West Virginia
- United Concordia Inc. - Highmark, Inc.
- United Concordia PPO
- United Concordia Tricare
- United Healthcare
- United Healthcare - Blue Shield of California
- United Healthcare - Centene/HealthNet of CA
- United Healthcare - Centene/HealthNet of OR
- United Healthcare - Centene/HealthNet of WA
- United Healthcare - Dental Benefit Providers Inc.
- United Healthcare - MediGold
- United Healthcare - UnitedHealthcare Dual Complete RP
- United HealthCare ‐Dental Benefit Providers Medicare/Commercial
- United Healthcare PPO
Z
- Zelis ‐Cigna (Excludes Careington providers in LA)
01 / 05
Zara Dental Accepts all major Dental Insurances
02 / 05
Insurance & Direct Billing
How We Handle Your Dental Insurance
- We communicate directly with your insurance company to file claims quickly and accurately.
- Before treatment begins, we review your coverage and explain what your plan includes.
- You’ll receive a clear estimate of your out-of-pocket costs before any procedure, no surprises.
- We help maximize your insurance benefits to make sure you get the most from your plan.
03 / 05
What to Bring to Your Appointment
To make your first visit smooth, please bring:
- Your dental insurance card
- A valid photo ID
- Any referral or pre-authorization required by your insurance company
- Details of recent dental treatments, if applicable
04 / 05
Typical Coverage Levels
Each insurance plan is different, but most include:
- Preventive Care: Exams, cleanings, and X-rays, often covered 100%.
- Basic Procedures: Fillings, simple extractions, and root canals, usually covered 70–80%.
- Major Procedures: Crowns, bridges, and dentures, typically covered 50–70%, depending on your plan.
If a portion of your treatment isn’t covered, we’ll go over your options in advance and help you plan accordingly.
05 / 05
When Insurance Isn’t Enough
Sometimes your insurance may not cover certain treatments, such as cosmetic or advanced restorative procedures. In these cases, we’ll:
- Explain your exact out-of-pocket responsibility
- Help you combine insurance coverage with our financing or payment plan options
- Create a treatment schedule that fits both your dental health and your budget
Our treatment coordinators are experienced in working with all major insurance companies. If you’re unsure about what’s covered, we’ll help you verify your benefits and answer any questions before your visit.
Financing in detail
01 / 07
Variety of Financing Options in addition to insurances in Zara Dental
02 / 07
Our Financing Options
At Zara Dental, we make dental care more accessible through flexible financing options tailored to your needs. Our in-house payment plans allow you to spread treatment costs over manageable monthly installments, with our coordinators providing a clear breakdown of your procedures, timelines, and costs. For added convenience, we also partner with trusted third-party providers like Cherry, offering quick approvals, transparent terms, and promotional interest-free options for qualified applicants.
Whether you need routine care or advanced treatment, we’ll help you find a payment solution that fits your budget and allows you to start your care without delay.
03 / 07
Comprehensive Financing Options for Your Dental Care
At Zara Dental, we believe that high-quality dental care should be accessible, transparent and tailored to you. Whether you are seeking routine preventive treatment, major restorative work or cosmetic services, our goal is to provide clear options so you can plan with confidence.
Why Financing Matters
- Dental health is an investment in your overall wellbeing: delaying care may increase the risk of complications, costlier fixes and extended treatment time.
- Offering flexible payment options ensures that you can choose a timeline that aligns with your budget, rather than compromising on necessary care.
- Our team aims to remove financial stress so you can focus on your smile and oral health, not on hidden costs or surprise charges.
04 / 07
Things to Consider
- Credit approval is typically required for third-party financing; eligibility and terms will vary by provider.
- Treatment estimates are based on the current plan; if your condition changes, we’ll update you and adjust accordingly.
- Promotional financing (e.g., interest-free periods) often requires full repayment within a set period to avoid interest charges.
- Communication is paramount: if your financial situation changes, let us know. We can often adjust payment plans to better support you.
05 / 07
How to Get Started with Easy Dental Financing
Schedule Your Consultation
Call 713-766-1122 or book online to schedule your initial visit. This appointment allows our team to assess your dental needs and start planning your care.
Review Your Treatment Plan and Costs
During your visit, our treatment coordinator will explain your diagnosis, outline the recommended procedures, and provide a detailed cost estimate with no surprises.
Explore Your Financing Options
We’ll help you choose between in-house payment plans or third-party financing, or combine both if that’s a better fit. Our goal is to make your treatment affordable and stress-free.
Begin Your Treatment with Confidence
Once your financing is approved, we’ll schedule your treatment according to your preferences and timeline. You can move forward knowing exactly what to expect at every stage.
06 / 07
Who Can Benefit from Financing?
1. Patients Without Insurance
If you don’t have dental insurance, financing allows you to receive the care you need now and pay over time instead of postponing treatment.
2. Patients with Limited Coverage
Even if you have insurance, many plans only cover a portion of restorative or cosmetic procedures. Financing helps bridge the gap between what’s covered and what’s not.
3. Cosmetic Dentistry Patients
Treatments like veneers, whitening, or smile makeovers are often elective and not covered by insurance. Financing provides an affordable way to enhance your smile without upfront strain.
4. Families Managing Multiple Treatments
For families scheduling cleanings, fillings, or orthodontic treatments together, financing makes it easier to coordinate care and payments for everyone at once.
5. Patients Facing Unexpected Dental Emergencies
When emergencies occur (such as a broken tooth, infection, or urgent repair) financing ensures you can get immediate treatment without worrying about upfront costs.
07 / 07
Book Your Consultation and Explore Payment Options
Don’t let finances delay your care. Reach out to Zara Dental today at 713-766-1122 or visit us at 6295 Bissonnet St., Houston, TX 77081. Our team is ready to guide you through the process, answer your questions and craft a payment plan that works for you.
Question about your own teeth?
The front desk will book you with the right clinician.
or call 713-766-1122