Financial Information

Dental Insurance and Financing in Mill Creek, WA

Progressive Dental Group Mill Creek keeps in-office insurance and financial coordinators on staff for a simple reason: patients should know what a visit costs before treatment starts, not after.

The practice is a preferred provider for ten major dental insurance plans, works directly with CareCredit financing, and coordinates with HSA and FSA accounts. Patients from Mill Creek, Bothell, Everett, and the surrounding 98012 communities use these options for everything from a routine cleaning to a same-day crown.

Not sure your plan is accepted, or what a specific treatment costs? Call (425) 368-0608 or request an appointment online and the team will check your benefits first.

"I am always told what to expect, the issues involved and the cost."

Keith S., Lake Stevens, WA

How Insurance and Financing Work at Progressive Dental Group

Here's what actually happens when cost or coverage comes up during a visit:

In-office coordinators check your benefits before you're billed

The practice discusses the cost of treatment and every available payment option before any work begins, so a patient can decide what makes sense for their budget rather than finding out afterward.

Preferred provider for ten major insurance plans

The office is a preferred provider for Assurant, Aetna, Ameritas, Delta Dental, Premera, Principal, Regence, Standard, Guardian, and United Concordia. The full list is below.

CareCredit financing set up in the office

Patients don’t need to arrange financing somewhere else first. The office works directly with CareCredit so an application can happen during a visit.

HSA and FSA funds coordinated to maximize the benefit

Staff help patients figure out how to apply flexible spending or health savings account funds toward treatment, since those rules aren’t always obvious from the account paperwork alone.

Dental Insurance Plans Accepted at Progressive Dental Group Mill Creek

Progressive Dental Group Mill Creek is a preferred provider for the following dental insurance plans:

Aetna

Ameritas

Assurant

Delta Dental (including Washington Dental Service)

Guardian

The practice is also a preferred provider for these plans:

Premera

Principal

Regence

Standard

United Concordia

Not seeing a specific plan on either list does not necessarily mean it’s unusable here. The office accepts most other dental insurance plans on an out-of-network basis, which can still lower out-of-pocket costs depending on the plan. Call the office to confirm a specific plan before booking.

How Insurance Claims Are Handled

Office staff file insurance claims and handle the related paperwork on a patient’s behalf. Staff work directly with the insurance provider to check what a plan actually covers, so the estimate a patient receives before treatment reflects their real benefit rather than a guess.

Insurance coverage can be confusing even for patients who have had the same plan for years. Deductibles, annual maximums, and waiting periods all affect what gets paid, and the details differ from one employer’s plan to the next. The office’s coordinators walk through those specifics before treatment starts rather than leaving a patient to decode a benefits booklet alone.

Payment and Financing Options

Beyond insurance, Progressive Dental Group Mill Creek accepts the following standard payment methods:

  • Cash
  • Check
  • Visa
  • MasterCard
  • Discover
  • American Express

CareCredit Financing

CareCredit is a healthcare credit card that lets a patient pay for treatment over time instead of all at once. The office works directly with CareCredit, so a patient can apply during a visit or ahead of time at carecredit.com. Specific promotional terms, interest rates, and minimum purchase amounts change and are set by CareCredit, not by the practice, so ask the office’s financial coordinators for the current terms before applying.

HSA and FSA Funds

Dental care that treats or prevents a condition, such as cleanings, fillings, crowns, extractions, and orthodontic work, generally qualifies as an eligible expense under IRS rules for both health savings accounts (HSAs) and flexible spending accounts (FSAs). Purely cosmetic procedures, like teeth whitening, generally don’t qualify, since the IRS test is whether the care addresses an actual dental condition rather than appearance alone.
In practice, this means a filling, a crown placed to fix a damaged tooth, or a root canal will typically qualify, while whitening a healthy smile typically won’t. Staff can help identify which parts of a treatment plan are eligible, though a patient’s plan administrator has the final say on what their specific account allows, and it’s worth confirming before assuming a charge will be reimbursed.
The table below is a quick reference for how each option works.
Payment Option What to Know
Dental Insurance Preferred provider for 10 major plans; other plans often still get partial out-of-network coverage.
CareCredit Healthcare credit card, applied for in-office or online; terms come from CareCredit, not the practice.
HSA / FSA Covers treatment that addresses a dental condition; cosmetic-only procedures usually don’t qualify.
Cash, check, or card Cash, check, Visa, MasterCard, Discover, and American Express are all accepted directly.

Frequently Asked Questions

What if my insurance plan isn't on your preferred provider list?

It may still help lower costs. The office accepts most other dental insurance plans on an out-of-network basis, which often still covers part of the cost. Call ahead and staff can check the specific plan before the appointment.
Staff file claims and handle the related paperwork directly with the insurance provider. A patient isn’t expected to submit their own claim forms or track down reimbursement on their own.
Nationally, a cleaning alone typically runs $75 to $200, and a first visit with an exam and X-rays commonly totals $150 to $400. The office’s financial coordinators can give an exact quote based on a specific treatment plan.
The office discusses expected costs and payment options before treatment begins, so a patient knows what they’re responsible for ahead of time rather than being surprised afterward.
CareCredit is a healthcare credit card that spreads the cost of treatment into monthly payments. A patient can apply in the office or at carecredit.com. Ask staff for the current promotional terms, since those are set by CareCredit and change over time.
In most cases, yes, for care that treats or prevents a dental condition, such as cleanings, fillings, or crowns. Purely cosmetic procedures like teeth whitening usually don’t qualify. Check with a plan administrator for the specifics of a particular account.
Yes. Cost and payment options are discussed with every patient before treatment begins, which is also something patients mention in their own reviews of the practice.
CareCredit is the main financing option for larger treatment plans, letting a patient spread the cost over several months. Ask the financial coordinators which option fits a specific case.
Treatment is still available. Patients without insurance can pay directly, use CareCredit financing, or use HSA or FSA funds if they have an eligible account. The office’s financial coordinators can walk through the options during a visit.

Book an Appointment

Progressive Dental Group Mill Creek

Questions about a specific insurance plan or payment option? The team can check this before booking. Call the Mill Creek office, request an appointment online, or visit the New Patients page for what to expect at a first visit.

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