Payment should be
the easy part.
Out-of-network provider. We file your insurance claim. FSA/HSA accepted. Five financing partners available for every budget.
We work with
your plan.
The Smile Commons is an out-of-network provider. We accept and file claims with all major dental insurance plans on your behalf — you pay your portion at the time of service and receive reimbursement directly from your carrier.
Out-of-Network
We are not contracted with any specific plan, which means no restrictions on the care you receive or the materials used.
We File Your Claim
The team submits your insurance claim directly — no paperwork for you. Reimbursement goes to you or is applied to your balance.
FSA / HSA Accepted
Flexible Spending Accounts and Health Savings Accounts can be used for any eligible dental service at The Smile Commons.
All PPO Plans Accepted
Delta Dental, Cigna, Humana, Aetna, United Healthcare, Guardian, MetLife, Principal, Ameritas, United Concordia, Moda Health, and more.
No insurance?
No problem.
You don’t need dental insurance to be seen at The Smile Commons. Most of our patients pay directly or finance their visit through one of five lending partners — all offering buy-now, pay-later options with approvals in minutes.
- 01 No insurance required to book or be treated
- 02 Five financing partners with online applications
- 03 0% interest promotional periods available
- 04 Approvals typically same-day
- 05 FSA and HSA cards accepted at checkout
Buy now,
pay later.
Get the care you need today and split the cost over time. Apply online in minutes — most patients are approved the same day. No prepayment penalties. Promotional 0% interest options available through select providers.
CareCredit
Healthcare credit card with 0% promo periods up to 24 months. Accepted at 260,000+ providers.
Apply →Proceed Finance
Flexible payment plans with competitive rates. Quick online application and approval process.
Apply →PatientFi
Patient-focused financing with transparent terms. No hard credit check to see your options.
Apply →Lending Club
Fixed monthly payments with terms up to 84 months. Check your rate with no impact to your credit score.
Check Rate →Cherry
Simple approval process with flexible plans. Pay over time with predictable monthly installments.
Apply →FSA & HSA
accepted
Use pre-tax dollars from your Flexible Spending Account or Health Savings Account toward any eligible dental service. Check with your plan administrator for covered procedures and annual limits.
Apple Pay &
all major cards
Apple Pay, Visa, Mastercard, American Express, and Discover accepted. Payment is collected at the time of service. For larger treatment plans, financing can be combined with direct payment.
Questions about coverage or payment? The team can walk you through your options — call or book online.
Book Online Call (310) 299-3797Ready to
get started?
Same-week appointments often available. No referral needed.
Book Online Call (310) 299-3797Last updated: April 2026 · © 2026 The Smile Commons. All rights reserved.