Dental Insurance & Financing in Westerly, RI
Wells Street Dental files insurance on your behalf, offers a complimentary benefits check for new patients, and provides clear treatment estimates before any work is scheduled. Understanding your costs and coverage before treatment begins is a basic part of how we operate, not an afterthought.
Dental Insurance We Work With
We work with a range of plans to make care as accessible as possible.
- In-network: Pequot Health (Foxwoods Casino)
- Medicare: Accepted
- Medicaid: Not accepted
- Out-of-network plans: We accept assignment of benefits—we bill your insurance directly and you pay your estimated portion up front
How We Handle Your Insurance
We file all dental insurance claims on behalf of our patients, you do not need to submit claims or manage reimbursement paperwork yourself.
For out-of-network plans, we accept assignment of benefits. That means we handle the billing directly with your insurance provider, and you pay your estimated patient portion at the time of your appointment rather than paying in full and waiting for reimbursement. If you have questions about how your specific plan works, our front desk team can walk you through it before you come in.
Complimentary Benefits Check for New Patients
Before your first appointment, we can verify your dental benefits so you know exactly what your plan covers and what your estimated out-of-pocket costs will be.
This step prevents the most common frustration new patients have: being surprised by a bill after the fact. Call our office before your appointment, and we will take care of the verification. It costs nothing and takes the guesswork out of your first visit.
Cherry Financing
For treatments that fall outside what insurance covers or for patients without dental coverage, Cherry financing makes it possible to move forward without paying the full amount upfront.
Cherry is available for qualifying treatments with two interest-free options:
- 6 months interest-free for treatments of $999 or more
- 12 months interest-free for treatments of $1,499 or more
Cherry applications are reviewed quickly and the process is straightforward. Ask our team at your appointment or call ahead if you would like to understand your options before coming in.
Our Approach to Treatment Costs
A treatment estimate is provided before every procedure. Nothing is scheduled without your informed agreement on both the clinical plan and what it will cost.
We recommend what is needed, not what generates the most revenue. This practice has operated that way for over 120 years: recommend care responsibly, communicate costs clearly, and help patients make decisions they are confident in. If a treatment can wait, we say so. If it cannot, we explain why and make sure the path forward is one you understand and agree to.
Wells Street Dental serves patients from Westerly, Pawcatuck, Watch Hill, Weekapaug, Dunn’s Corners, and the surrounding communities. If you have questions about your coverage or financing options before your first visit, call our office and we will help you figure it out.
