Dental Insurance & Flexible Financing at MI Smiles Dental
We work with Delta Dental, Blue Cross Blue Shield of Michigan, and offer flexible financing options. We’ll check your benefits, walk you through your options, and help you choose a payment method that fits your budget.
Accessible, Judgment-Free Care
Quality dentistry, with clear costs and flexible ways to pay.
Whether you have dental insurance or are paying out of pocket, our goal is the same: help you get the care you need without surprises.
Find an office or Text (844) 418-1756
Care for the
whole family
Care for kids, teens, and adults under one roof, with appointment and payment options that fit you.
Preventive
visits
Regular cleanings, exams, and x-rays are often fully covered depending on your insurance.
Common
treatments
Fillings, crowns, and other treatments explained step by step, with coverage and costs laid out first.
Emergency care
for urgent issues
Dental emergency or urgent need? Call us, we hold space in the schedule for patients who need help fast.
From Real Patients
What patients notice after a visit here
Patients who once feared the dentist now describe their visits as “kind,” “the best experience of my life,” and “truly judgment-free,” thanks to a team that listens and ensures comfort for both adults and kids.
“My first visit with MI Smiles Grand Haven was one of the best first impressions I could have hoped for. Staff knew how to navigate my dental anxiety amazingly. I got scheduled quickly and their treatment options were affordable and well explained.”
-Mackenzie S.
“MI Smiles is the best dentist in the Ionia County area. The staff is very helpful and incredibly knowledgeable. They’re very professional and make sure that all of the patients are completely taken care of before they leave with their shiny teeth. 10 out of 10 I would recommend this dentist to anyone looking for great dental work.”
-Josh O.
“Kindest and most human experience I’ve ever had at a dentist. These people look you in the eye when you speak and don’t rush you out the door. They listen to your concerns, and not only this but they take time to examine you thoroughly and explain the medical reasons for what they see.”
-John G.
“I came as a new patient to fix a prior issue that was causing me pain. I was greeted with professional, caring people from the receptionist, the assistant, and the doctor. I’m very happy with the office and expect to be a patient forever!”
-Anne E.
Plans We Work With
Before we start, you’ll know what to expect
We do our best to provide clear estimates based on your insurance information and the care recommended. Final coverage and costs are determined by your specific plan and what your employer has agreed to with the insurance company.
Delta Dental
We’re in-network with Delta Dental PPO, Premier, and Healthy Kids plans. We’ll check your benefits, help you understand how they apply to your visit, and file claims on your behalf.
Blue Cross Blue Shield of Michigan
We are out of network with Blue Cross Blue Shield of Michigan plans, however we do accept assignment of benefits, which may result in additional savings for you. We’ll review what your plan typically helps with and provide an estimate before care.
Other insurance plans
We work with most other insurance plans and care for many out-of-network patients who value the high-quality care they receive here. Unless your plan requires an in-network provider, we’re happy to see you, submit claims on your behalf, and explain how your out-of-network benefits may help with costs.
Our Grand Haven location is in-network with additional insurance companies. Please call for a complimentary benefits check.
Healthy Kids and Medicaid
We are able to bill Healthy Kids plans through Delta Dental.
We do not accept adult Medicaid. If you have questions about whether your child’s plan is included, we’re happy to look it up and explain your options.
Coverage and patient responsibility are estimates, not guarantees. Final amounts may vary based on plan rules, remaining benefits, and the care you choose.
Clarity Before Costs
HOW WE HANDLE COSTS & CLAIMS
01
Your benefits verified
Before treatment whenever possible, we:
- Collect your insurance information
- Verify eligibility and basic benefits with your plan
- Look at remaining benefits for the year
02
Your benefits explained
We:
- Review any recommended treatment with you
- Provide an estimate of insurance coverage and your out-of-pocket cost
- Answer questions clearly so you can decide
03
Your billing made easy
We:
- File claims to your insurance company (when available)
- Review your explanations of benefits (EOBs)
- Work with you if coverage differs from the estimate
Every insurance company is different. What they choose to pay is based on your specific plan and what your employer has agreed to. Coverage and patient responsibility are estimates, not guarantees. Final amounts may vary based on plan rules and the care selected.
Options to Get the Care You Need
WAYS TO MAKE CARE MORE AFFORDABLE
If you have out-of-pocket costs, we offer options to help spread payments out or reduce surprise bills.
Financing through Sunbit
Many patients use Sunbit to spread payments over time with a quick, soft-credit-check process.
- Fast application, usually at the front desk or on your phone
- Designed to help fit dentistry into your monthly budget
- Subject to credit approval
Financing through CareCredit
We also work with CareCredit, a healthcare credit card many patients use for dental, vision, and medical care.
- Use for preventive visits or larger treatment plans
- Apply online or in-office
- Subject to credit approval
Membership plan (for patients without insurance)
If you don’t have insurance, our MI Smiles Membership Plan offers:
- A set number of cleanings, exams, and x?rays for one annual fee
- Discounts on most additional treatment
- No waiting periods, no deductibles, and no claims to file
Financing is subject to credit approval. The membership plan is not insurance. See membership details for inclusions, exclusions, and fees.
Frequently Asked Questions
Do you work with my insurance?
We’re in-network with Delta Dental PPO, Premier, and Healthy Kids plans, and we accept assignment of benefits for Blue Cross Blue Shield of Michigan plans. For many other carriers, we are considered out-of-network but can often still see you and submit claims on your behalf. The easiest way to know is to call us or request a complimentary benefits check.
Can you check my benefits before I schedule?
Yes. We offer a complimentary benefits check. We’ll review what your plan typically helps with and provide an estimate. We do our best to be clear, but the final amount your insurance pays is based on your specific plan and what your employer has agreed to.
What preventive services are usually covered?
Coverage varies by plan. Many patients receive two exams and cleanings per year, plus x?rays, with little or no out-of-pocket cost. We’ll verify your specific coverage and talk through any estimated copays or deductibles before we begin.
How do estimates and final costs work?
We create an estimate based on the information we receive from your insurance and the care recommended.
Because every plan is different, and insurance companies make the final payment decision, your portion is an estimate, not a guarantee. If things come back differently than expected, we’ll review the explanation of benefits with you and go over options.
Do you offer payment plans?
Yes. If you have a remaining balance, we can review Sunbit or CareCredit financing options with you, or discuss other arrangements allowed by our financial policy. Our goal is to help you get needed care in a way that works for your budget.
Do you accept HSA/FSA?
Yes. We can typically accept HSA/FSA cards for eligible services, and we’re happy to provide an itemized receipt if your plan requires it.
Do you accept Healthy Kids or Medicaid?
We are able to bill Healthy Kids Delta Dental plans, but not Blue Cross Blue Shield Healthy Kids plans.
We do not accept adult Medicaid. If you’re unsure which type of plan you have, call us and we’ll help you sort through it.