Insurance & Payment Options
We work hard to make dental care accessible. We accept most major insurance plans, children's Medicaid & CHIP, and flexible financing.
Insurance Plans We Accept
Texas Capital Dental is in-network with a wide range of insurance carriers and accepts most PPO plans as an out-of-network provider when in-network coverage isn't available. Here's what we currently accept:
- Most PPO Insurance Plans — call us to verify your specific plan
- Children's Medicaid & CHIP — through MCNA Dental and DentaQuest (ages 0–20)
- Delta Dental
- Cigna
- MetLife
Payment Options
- Cash
- Personal check
- All major credit cards (Visa, Mastercard, American Express, Discover)
- CareCredit — healthcare financing with deferred-interest options
Medicaid & CHIP (Children)
We proudly accept Texas Medicaid and CHIP for children ages 0–20. In Texas, children's Medicaid and CHIP dental benefits are managed through dental plans, and we are in-network with two of them: MCNA Dental and DentaQuest. You can find your child's dental plan on their Medicaid or CHIP dental ID card — if it says MCNA or DentaQuest, we can see them.
These programs cover a wide range of preventive and restorative dental services for eligible children, including cleanings, exams, X-rays, fluoride, sealants, fillings, and extractions. Please note that we do not accept adult Medicaid.
If your child's dental benefits are administered by a different plan, families can request a dental plan change through Texas Health and Human Services. Call us at (512) 832-1121 and our front desk will point you in the right direction.
No Insurance? That's Okay.
A significant number of our patients come to us without dental insurance. We provide straightforward estimates for all planned treatment and work with patients to prioritize what's most needed. We'll never recommend unnecessary work, and we'll always discuss the cost before proceeding with anything.
CareCredit financing is available for patients who want to spread the cost of treatment over time. Applications can be completed quickly at our front desk or online.
Verifying Your Benefits
Our team can contact your insurance carrier before your appointment to verify coverage and give you an estimate of your out-of-pocket costs. We encourage new patients to call us at least a few days before their first visit so we have time to complete this check. This helps avoid surprises at checkout.
Billing Questions
If you have questions about a bill, a claim that was denied, or your benefits generally, our front desk team is here to help. We'll work with your insurance company on your behalf when issues arise.
Insurance & Payment FAQs
Do you take children's Medicaid or CHIP?
Yes. We accept Texas children's Medicaid and CHIP (ages 0–20) through MCNA Dental and DentaQuest. Check your child's dental ID card to see which plan administers their benefits, or call us at (512) 832-1121 and we'll help verify before the appointment.
Which Medicaid dental plans do you accept?
We are in-network with MCNA Dental and DentaQuest. If your child is enrolled with a different dental plan, families can request a plan change through Texas Health and Human Services — our front desk can point you in the right direction.
Do you accept Medicaid for adults?
No — we accept Medicaid and CHIP for children ages 0–20 only. For adult patients without insurance, we provide clear written estimates up front and accept CareCredit financing and flexible payment arrangements.
What if I don't have dental insurance?
Many of our patients don't. We give straightforward estimates before any treatment, help you prioritize what's most needed, and offer CareCredit financing to spread out the cost. Call us for our current exam and cleaning rates.
Can you check my benefits before my visit?
Yes — call us a few days before your appointment and our team will contact your insurance carrier, verify your coverage, and estimate your out-of-pocket costs so there are no surprises at checkout.