Insurance & Payments

Insurance & Payment Options

Quality dental care should be accessible to everyone. At Willis & Associates Family Dentistry Ivy – Charlottesville, we accept most major insurance plans and offer flexible payment options to ensure cost is never a barrier to the care you and your family need.

Dental Insurance

We are in-network with many popular dental insurance plans and accept most out-of-network plans as well. Our team handles the paperwork and submits claims on your behalf so you can focus on your health, not administration.

Common insurance plans we work with include:

• Delta Dental
• MetLife
• Cigna
• Aetna
• United Healthcare
• Guardian
• BlueCross BlueShield
• Humana
• And many more

Insurance plans and networks change frequently. Please call 434-977-4101 to verify that we accept your specific plan before your appointment.

Understanding Your Benefits

Dental insurance can be confusing. Our team is happy to explain your benefits in plain language, including deductibles, annual maximums, covered procedures, and waiting periods. We will provide an estimate of your out-of-pocket costs before treatment begins so there are no surprises.

Payment Options

For services not fully covered by insurance, or for patients without dental insurance, we offer several convenient payment methods:

• Cash, check, and all major credit cards: Visa, Mastercard, American Express, and Discover
• CareCredit: Third-party financing with low-interest and interest-free payment plans for qualified patients
• FSA and HSA: Use your pre-tax flexible spending or health savings account funds toward dental treatment
• Payment plans: For larger treatment plans, we can work with you to arrange a manageable payment schedule

No Insurance? No Problem.

We believe everyone deserves quality dental care regardless of insurance status. Patients without dental insurance are welcome at our practice, and we offer competitive self-pay rates. Ask about our Virginia Dental Club membership program, which provides preventive care and discounts on treatment for a simple annual fee.

Maximizing Your Insurance Benefits

Dental insurance benefits typically renew on January 1st. Unused benefits do not roll over, so we encourage patients to schedule recommended treatment before the end of the year. Our team can help you plan your care to make the most of your annual benefits.

Questions About Cost?

We are always transparent about costs. If you have questions about a treatment estimate, insurance coverage, or payment options, please do not hesitate to ask. Our goal is to make sure you feel comfortable and informed about every aspect of your care, including the financial side.