Nothing Should Stop You from a Perfect Smile.
We have a financing solution for everyone. Island Dental accepts most insurance plans and offers 0% financing with a 96% approval rate — so you can start treatment today. No hidden fees. No surprises. Second opinions and walk-ins always welcome.
Contact an Office
We Accept Most Plans
We work with most PPO insurance plans. We verify your coverage before your appointment so there are no surprises. Don’t see your plan listed? Call us — we likely accept it.
We accept primary and secondary insurance — if you have more than one policy, we’ll coordinate both.
We do not accept Medicaid, DMO, Fidelis, HealthFirst, or DentaQuest plans.
We Accept 50+ Insurance Plans — We Maximize Your Benefits
If you don’t see your insurance above, call us at (516) 565-6565 — we offer free insurance benefits verification.
How We Handle Insurance
- We verify your benefits before your appointment — no guesswork
- We file all insurance claims on your behalf
- We explain your estimated out-of-pocket cost upfront
- We appeal denied claims and fight for your coverage
- HSA and FSA accepted — use your pre-tax dollars for dental care
- Second opinions welcome — no charge
Not sure what your plan covers? Call us at (516) 565-6565 and we’ll check for you — no appointment needed.
The Island Dental Advantage Plan
No insurance? You still deserve a beautiful smile. Our in-house membership plan gives you access to essential preventive care and significant discounts on all treatments — with no waiting periods, no deductibles, and no claim forms.
- 2 cleanings and 2 regular exams per year
- 1 CT X-ray plus routine X-rays
- 2 emergency exams during office hours
- 2 fluoride treatments for children under 14
- 20% off new treatments with a general practitioner
- 5% off specialist services · 10% off teeth whitening
- Family and periodontal plans available — no waiting periods, no annual maximums
Family add-ons from $475–$485 per person per year. See all three plans on the Advantage Plan page.
See Plan DetailsWe Have All the Options and Credit Levels
We partner with every major healthcare financing provider so there’s always a path forward — regardless of your credit history. Most patients are approved. Let us find a plan that works for you.
CareCredit
The most widely used healthcare financing card. Apply in minutes and use your credit at over 200,000 providers nationwide.
- 0% interest for 6, 12, or 18 months (promotional)
- Extended plans up to 60 months
- No annual fee
- Quick approval decisions
HFD (Healthcare Finance Direct)
A dental-specific financing option with high approval rates — even for patients with less-than-perfect credit.
- High approval rates — most patients qualify
- 0% financing available
- Fixed monthly payments
- Longer terms available for large cases
- No prepayment penalty
Happen Bank (formerly Happen Bank)
Flexible personal loan options for dental care, with competitive rates and simple monthly payments.
- 0% financing available on select plans
- Soft credit pull for pre-qualification
- Multiple term lengths available
- Ideal for larger treatment plans
iCreditWorks
Designed for patients who need a second chance at approval. High acceptance rates across credit levels.
- Terms up to 36 months
- Built for all credit levels
- Simple application process
- Flexible monthly payment options
Alphaeon Credit
A strong alternative for patients who need more flexible qualification criteria.
- 0% financing available
- Wide credit range accepted
- Fast approval decisions
Sunbit
Buy now, pay over time — with an incredibly fast and easy approval process right at checkout.
- Apply in under a minute
- No hard credit check to apply
- Flexible payment schedules
- 0% financing available
Cherry
Fast, patient-friendly payment plans with a 60-second application and no hard credit check.
- Apply in about 60 seconds
- No hard credit check to apply
- 0% APR plans available for qualified patients
- High approval rates
In-House Payment Plans
We offer direct in-house payment arrangements for qualifying patients. Talk to our team — we’ll work something out that fits your life.
- Flexible schedules tailored to you
- No third-party involvement
- Available for established and new patients
HSA & FSA Accepted
Use your Health Savings Account or Flexible Spending Account for dental care. Pre-tax dollars go further — and we make it easy to use them.
- Accepted at both locations
- Covers most dental procedures
- No extra steps required
Estimate Your Monthly Payment
This is an estimate only. Actual payments may vary. Contact us to discuss financing options.
Financing & Insurance FAQs
Island Dental accepts most major dental insurance plans including Delta Dental, Cigna, Aetna, MetLife, United Healthcare, Guardian, Humana, BlueCross BlueShield, and many union plans (SEIU, CSEA, UFT, NYSUT, Teamsters, FDNY/NYPD). We do not accept Medicaid, DMO plans, Healthfirst, or DentaQuest. Not sure about your plan? Call (516) 565-6565 and we will check it for you, no appointment is needed. See our full insurance and financing page. We maximize your benefits to minimize any costs to you.
Yes. Health Savings Accounts and Flexible Spending Accounts are accepted as payment at both Island Dental locations. These pre-tax dollars can cover most dental procedures.
We have a 96% approval rate across our financing partners. We work with CareCredit, iCreditWorks, Happen Bank (formerly Lending Club), Alphaeon, HFD, and Sunbit — each with different approval criteria. We have all the options and credit levels covered. If one partner doesn’t work, another will. Credit subject to approval.
Yes. 0% financing is available through several of our partners, including CareCredit, HFD, Alphaeon, Sunbit and others. Terms vary by plan. We’ll walk you through your best options when you come in.
Yes. We offer in-house payment plans for qualifying patients. Talk to our team — we’ll work out something that fits your situation. Nothing should stop you from a perfect smile.
We provide a written treatment plan with estimated insurance benefits and your estimated out-of-pocket costs. Transparency is core to how we work — no hidden fees, ever.
The Island Dental Advantage Plan is our in-house plan for patients without dental insurance. Island Complete is $545 per year and covers your preventive care with member savings on treatment; the Whole Family Plan is $840 per year for couples, with per-person family add-ons from $475. No waiting periods, no deductibles, no claim forms. See the Advantage Plan page for every plan and full details.
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