We handle the
insurance side. All of it.
We're in-network with most major plans, we file every claim electronically, we verify your coverage before your first visit, and we never let you walk into a surprise bill. If you don't have insurance, our membership plan is probably a better deal anyway.
In-network with the plans you actually have.
If your plan isn't listed, call us — we likely accept it as out-of-network and most patients still see strong reimbursement.
Contracted fee schedule. Lowest out-of-pocket.
- Delta Dental of Idaho
- Delta Dental PPO
- Delta Dental Premier
- Cigna Dental
- Aetna Dental
- MetLife
- Blue Cross of Idaho
- Regence BlueShield
- Guardian
- United Concordia
- Principal
- Ameritas
We file the claim. Strong reimbursement on most plans.
- Humana
- Anthem
- United Healthcare
- Lincoln Financial
- Sun Life
- Mutual of Omaha
- Dominion National
- TRICARE Dental
- CHAMPVA
What happens, without you doing anything.
- 01
You hand us your insurance card.
At booking or your first visit. That's the last paperwork you'll touch.
- 02
We verify your benefits.
Annual maximum, deductible, coverage percentages, waiting periods, frequency limits — all confirmed and on file before your appointment.
- 03
We give you a written estimate.
Before any procedure beyond a cleaning. You see what insurance will pay and what you'll owe — no surprises later.
- 04
You pay your portion. We file the claim.
You pay only your out-of-pocket at the time of service. We submit the claim electronically that same day.
- 05
We follow up if anything's denied.
If insurance denies or underpays, we appeal. We don't pass through denied claims to you — we resolve them with the insurance company.
The Happy Smiles
Membership Plan.
If you don't have dental insurance — and you're not planning to soon — our membership plan is almost certainly a better deal than a typical individual insurance plan. No annual maximum, no waiting periods, no denied claims.
Per adult · family pricing available
What's included
- Two cleanings per year
- Two comprehensive exams per year
- All routine x-rays
- Oral cancer screening
- 20% off all restorative & cosmetic work
- No deductible, no annual maximum, no waiting period
- Family pricing available
Membership begins the day you enroll. Cancel anytime — no contracts. Discounts apply to procedures performed at Happy Smiles only.
Financing, without games.
Larger treatment plans — implants, full-mouth restorations, complete smile design — can be financed. No predatory rates, no balloon payments.
CareCredit
0% APR · 6, 12, or 18 months
Standard healthcare financing card. Quick application, common approval. Available for any case over $1,000.
In-house payment plans
0% APR · 3 to 12 months
For cases over $3,000, we negotiate a payment plan directly. No credit check, no financing company, no interest. Just us and you.
Insurance questions, answered honestly.
What's the difference between "in-network" and "out-of-network"?
In-network means we've agreed to a contracted fee schedule with that insurance company — your out-of-pocket is usually lower. Out-of-network means we file the claim and accept payment, but the insurance company pays based on their own fee schedule (which may be lower than ours). In practice, the difference for our patients is typically 10–20% on most procedures.
How do I know what my plan covers?
Call your insurance carrier and ask for "dental benefits" — they'll tell you your annual maximum, deductible, coverage percentages, and waiting periods. Or call us with your insurance card and we'll verify it for you in about 10 minutes. We do this for every new patient at no charge.
Will you file my claim for me?
Yes, every time. In-network or out-of-network, we file electronically and follow up if it gets denied or delayed. You don't do any paperwork.
What if my insurance doesn't cover something you recommended?
We tell you up front, in writing, what insurance is likely to cover and what won't be covered. Then you decide what to proceed with. We don't do "surprise" treatment that you find out you owe for later.
What's an annual maximum and why does it matter?
Most dental insurance plans have an annual maximum payout — usually $1,000 to $2,500 per year, after which you pay 100% out of pocket. If you need significant work, we can sometimes split treatment across calendar years to use two years of benefits. We bring this up proactively when it would save you real money.
Do you accept HSA or FSA cards?
Yes — all dental work qualifies as an eligible HSA/FSA expense. We accept HSA/FSA cards like any debit card.
Do you take Medicaid or Medicare?
Idaho Medicaid: limited services for adults. We accept it for emergency situations and for pediatric patients (Smiles Idaho/CHIP). Medicare: standard Medicare does not cover dental, but if you have a Medicare Advantage plan with dental benefits, we accept most of them.
Tell us when works, we'll do the rest.
Most new patient visits include exam, panoramic x-rays and a thorough cleaning — about 60–75 minutes total. We confirm by text within an hour.
- $89 new patient special · exam, x-rays, cleaning
- In-network with most major plans
- Same-week emergency appointments available