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Financing and Insurance

32 Pearls Financing and Insurance

Understanding Financing and Insurance at 32 Pearls: A Simple Guide

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Understanding the Importance of Financial Planning and Insurance in Dental Care

As you embark on your journey to achieve optimal dental health, you’ll find that understanding the financial aspects of dental care is crucial. At 32 Pearls, we believe in empowering you with knowledge about financing options and the role of dental insurance so you can make informed decisions about your oral health without undue financial stress.

Financial planning in dental care involves being proactive about potential costs. It’s important for you:

  • To be aware of the different treatment options available and their respective costs.
  • To understand your dental insurance policy, including what procedures are covered, the extent of coverage, and any deductibles or co-pays.
  • To explore various financing options that can help manage out-of-pocket expenses, such as payment plans or healthcare credit lines.


Dental insurance can significantly reduce your immediate out-of-pocket expenses, making necessary dental work more accessible and affordable. However, only some things are covered by insurance, which is where financial planning begins.

  • Consider elective procedures, such as cosmetic dentistry, often not covered by insurance.
  • Anticipate the need for potential emergency dental care, which could incur unexpected costs.
  • Consider orthodontic care, often a long-term financial commitment, regardless of insurance benefits.


At 32 Pearls, we’re here to guide you through financial planning and insurance complexities, ensuring you feel confident and clear about your dental care-related financial decisions. We aim to relieve the financial anxiety often associated with dental visits and instead, allow you to focus on what’s truly important –– your dental health.

Understanding the financial aspect of dental care can often seem overwhelming, but at 32 Pearls, we aim to simplify the process for you. Here’s a breakdown of the payment options available to ensure you receive the care you need without undue financial stress.

  • Insurance Claims: We accept a wide range of dental insurance plans. Our staff will assist you in understanding your coverage and file claims on your behalf, minimizing paperwork and maximizing your benefits.
  • Direct Payment: For immediate settlements, you can pay with cash, checks, or credit cards. We accommodate most major credit cards for your convenience.
  • Dental Financing Plans: Dental procedures can be costly, but financing plans can help. 32 Pearls offers financing options through third-party providers like CareCredit or the Lending Club, which allows for manageable monthly payments. Before applying, consider the interest rates and terms to ensure they align with your financial situation.
  • In-Office Membership Plans: Consider our in-office membership plans if you lack dental insurance. They include routine exams, cleanings, and discounts on other dental services for an annual fee, providing a cost-effective way to access continuous dental care.
  • Flexible Spending Accounts (FSA): Utilizing your FSA can be a tax-advantaged way to pay for eligible dental expenses. Check with your employer regarding this benefit and how you can allocate funds for your treatments.
  • Health Savings Accounts (HSA): Similar to FSAs, HSAs offer a tax-free option to save for medical expenses, including dental care. Check with your HSA administrator to understand eligible expenses and contribution limits.


Feel free to ask questions when considering your payment options at 32 Pearls. Our staff is well-equipped to guide you through the nuances of dental financing, ensuring that you’re informed and confident in your decisions. By fully understanding these options, you can better manage dental expenses and keep your smile shining without financial concerns.

Insurance Policies Accepted at 32 Pearls: Maximizing Your Coverage

At 32 Pearls, we understand the importance of dental health and insurance in ensuring you can access the care you need. To help you maximize your coverage benefits, we have taken steps to align with various preferred provider organizations (PPOs). This range of accepted insurance policies underscores our commitment to providing flexible, affordable dental care. Here’s a breakdown of the PPO insurance policies we accept:

✅ Premera PPO: Comprehensive coverage to maintain oral health without financial stress.

✅ Delta Dental PPO: Trusted dental coverage that offers a wide network of care providers.

✅ Aetna PPO: Flexible plans that cater to individuals and families, focusing on preventative care.

✅ Cigna PPO: A global health service company providing health plans that are both inclusive and far-reaching.

✅ Metlife PPO: Known for their diverse coverage options that suit various budgets and care needs.

✅ United Concordia PPO: Specializing in affordable dental care, focusing on accessibility.

✅ Humana PPO: Offers plans with preventive services that are often covered at 100%.

✅ Regence PPO: Aiming to provide comprehensive dental coverage that promotes well-being.

✅ GEHA P: Tailored to federal employees, offering them extensive dental benefits.

By accepting most PPOs, including those above, we help you receive the dental care you require with fewer out-of-pocket expenses. To take full advantage of your benefits, you must understand your insurance policy, including deductibles, annual maximums, and covered services.

Our knowledgeable staff is always ready to assist you if you are waiting to see your PPO listed or have any questions regarding insurance claims and coverage. Feel free to ask for clarification or to ensure your plan is accepted. Our goal is to help you navigate your financing options so that you can focus on maintaining a healthy, radiant smile.

No Insurance? No Problem: Exploring 32 Pearls' In-House Financing Plans

If you choose In-House, here is what we offer:

Flexible Payment Plan

At 32 Pearls, we understand dental care is important for your overall health and confidence. That’s why we’ve designed an in-house financing plan to help you manage your treatment costs without dental insurance. Here’s a breakdown of what you can expect:

  • No Interest Flex Plan: Pay in a short time frame and receive no interest charge.
  • Low-Interest Flex Plan: Pay off your bill over a longer time with low interest.
  • Cash Discount: Pay upfront with cash and receive a larger discount.
  • Easy Approval Process: We’ve streamlined our approval process to ensure getting the care you need is as stress-free as possible. Most patients are quickly approved for in-house financing.
  • Quality Care Accessible: Our in-house financing option ensures you don’t compromise on quality care due to financial constraints. Now you can receive the treatment you need when you need it.


To learn more about our flexible payment plan, please schedule a consultation. Our friendly staff will be delighted to guide you through the process, ensuring you’re fully informed and comfortable with your financial options. At 32 Pearls, your oral health is our priority, and we strive to make it achievable for everyone.

Understanding Credit Options: How 32 Pearls Works with Third-Party Financing

When you visit 32 Pearls for dental services, you’ll find that we strive to make the payment process as painless as the treatment. We collaborate with reputable third-party financing companies like CareCredit and The Lending Club to ensure you can receive the care you need without financial strain. This partnership benefits you from various credit options tailored to your budget and treatment plan.

  • Pre-approval Process: Before you commit to treatment, you can seek pre-approval from these financiers. This step helps you understand the amount you’re eligible for and the repayment terms. You’ll have a clear picture of the monthly payments involved, which will help in planning your budget.
  • Flexible Payment Plans: Our third-party partners offer various plans with competitive interest rates. Whether it’s an extended payment duration or a deferred interest plan, you can choose the one that aligns best with your financial situation.
  • Easy Application: The application process is straightforward and can often be completed online with quick response times. This efficiency ensures minimal delay in the commencement of your dental treatment.
  • Counsel & Assistance: If you find the array of options overwhelming, our staff at 32 Pearls is here to assist. We will help guide you through the terms of each financing option, ensuring you understand the details, from interest rates to payment schedules.

Steps to Take Before Your Appointment: Preparing for Financial Discussions at 32 Pearls

  • Gather Necessary Documents:
      • Before visiting 32 Pearls, make sure to have all the relevant financial documents at hand. This includes your insurance card or any other insurance information, any documentation about dental insurance policies you hold, and understanding your plan’s coverage for the procedures you might require.
  • Understand Your Benefits:
      • Review your dental insurance benefits thoroughly. Know what’s covered, such as preventative care or restorative procedures, and be aware of co-payments, deductibles, and annual maximums. If you have questions, consider contacting your insurance provider ahead of time for clarification.
  • Prepare a List of Questions:
      • Write down any financial questions or concerns for the finance specialist at 32 Pearls. This can be about payment options, financing plans available, or how insurance claims are processed.
  • Know Your Budget:
      • Consider your budget for potential out-of-pocket expenses. Determine how much you can afford to spend on dental care, keeping in mind that investing in your dental health is important for your overall well-being.
  • Consider Financing Options:
      • If you know you’ll need a significant procedure, consider financing options. 32 Pearls may offer payment plans or work with third-party financiers. Gather information about these options and evaluate what might work best for you.
  • Double-Check Appointment Details:
      • Confirm your appointment’s date, time, and location, and arrive a little early to allow ample time for discussing financing without feeling rushed.
  • Relax and Stay Positive:
    • Financial discussions can be stressful, but it’s important to approach the conversation with a positive mindset. Remember, the staff at 32 Pearls is there to help you navigate the process as smoothly as possible.

Making the Right Choice for Your Dental Health Financially at 32 Pearls

Making a well-informed decision regarding your dental health finances is imperative. At 32 Pearls, we strive to ensure you have access to transparent, comprehensive financing options and insurance coverage details. Here’s how to make the right choice for your oral health investment:

  • Understand Your Dental Needs: Begin by assessing your required dental procedures. Preventive care might be mostly covered by insurance, whereas cosmetic treatments often demand out-of-pocket payment or alternative financing.
  • Review Your Insurance Plan: Scrutinize your dental insurance plan for coverage limits, deductibles, and co-payments. Knowing what’s covered can significantly decrease unwelcome surprises on your bill.
  • Explore Financing Options: If insurance doesn’t cover everything, consider 32 Pearls’ financing arrangements. We may offer flexible payment plans tailored to fit your budget.
  • Ask Questions: Don’t hesitate to discuss any financial concerns with our staff. Transparency is key, and understanding the upfront costs will help you make a confident decision.
  • Preventive Care: Regular check-ups and cleanings can prevent more costly procedures in the future. Leverage your insurance for these preventive measures to maintain oral health and minimize future expenses.
  • Invest in Quality Care: Remember that choosing a lesser quality service based on cost alone may lead to more expenses down the line. Trust 32 Pearls for high-quality care that stands the test of time and protects your long-term financial health.


By taking these steps, you’re not just choosing a dental service but making a prudent investment in your oral and financial well-being. At 32 Pearls, we are dedicated to guiding you through the financial process with ease and ensuring you receive excellent dental care without undue financial strain. Your healthy smile is our commitment, and we stand by you every step of the way to achieve it.


Yes, we accept a variety of dental insurance plans. We recommend contacting us in advance with your insurance details so we can verify your coverage before your appointment. 

We accept most PPOs.

  • Premera PPO
  • Delta Dental PPO
  • Aetna PPO
  • Cigna PPO
  • Metlife PPO
  • United Concordia PPO
  • Humana PPO
  • Regence PPO

Our staff can assist you in understanding your benefits. Alternatively, you can contact your insurance provider directly for a coverage breakdown.

We accept cash, checks, debit cards, and most major credit cards. We also offer financing options for qualifying patients.

Don’t worry; we offer various financing plans to help make your dental care affordable. Plus, we can discuss our in-house dental membership program as an alternative.

In most cases, yes. Dental treatments that are considered medically necessary are typically eligible for FSA/HSA use. We can provide the documentation needed for reimbursement.

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(206) 322-8862

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