Dr. Brett Clark
Dentist & OwnerLittle League Coach, Barefoot Water Skier, Exercise Junkie, Super-Dad!
Read Full Bio >>Dane County Dentists with Insurance & Financing Options
Your smile is one of your best features, and protecting it should always be within reach. Total Care Dental of Madison makes dental treatments accessible through affordable dental insurance, dental care financing and flexible payment options. Our Madison dental professionals work with patients from Madison, Sun Prairie, Verona, Oregon and surrounding communities to provide high-quality care at a cost for every budget.
We accept cash, cards, checks and more, and are in-network with leading insurance providers.
Affordable Dental Insurance in Madison
TCD Madison accepts affordable dental insurance to help lower costs for individuals and families. We work with Humana and Delta Dental plans and will happily check benefits, submit claims and maximize your coverage.
If you don’t see your insurance provider listed, call our office. We can review available options and pair insurance with dental care finance programs so you receive the treatment you need.
Our Madison dentists are in-network with:
We also create personalized wellness contracts for patients without insurance, keeping essential care affordable throughout the year.
At–Home Smile Assessments
Our convenient at-home smile assessment provides dental care recommendations without leaving your home. Take a photo of your smile and one of our dentists will send back a personalized video with a treatment plan and projected costs.
Total Care Dental Payment Plans
Enroll in our Wellness Program for simple monthly payments starting at $30. This plan applies to routine checkups and periodontal maintenance care at our Madison office, making ongoing care affordable even without traditional insurance.
CareCredit
Start your treatment right away with CareCredit® financing. Flexible payment terms range from 6 to 60 months so you can cover costs for basic and cosmetic procedures. CareCredit helps patients without insurance or those who have reached their annual maximum continue care with manageable monthly payments.
Pre-Payment Discount Lowers Dental Costs
TCD Madison provides a 5% discount to patients without insurance for services over $300 when paid in full before treatment. This helps lower overall costs and makes treatments more affordable, particularly for patients managing expenses without dental coverage.
How Much Will My Insurance Cover?
While dental insurance is a valuable resource, understanding coverage categories is important. Most plans break procedures into three groups.
- Preventative Care: Cleanings, sealants and x-rays, often fully covered.
- Basic Care: Fillings, extractions, root canals and gum treatments, generally covered at 70–80%.
- Major Care: Bridges, dentures, crowns and inlays, which usually have higher out-of-pocket costs.
Knowing your procedure’s category helps anticipate expenses and combine coverage with dental care finance options like CareCredit.
Dental Insurance Deductibles and Maximums
Most plans include a deductible (the amount you must pay before coverage begins) and an annual maximum (the total your insurance provider will pay in a year).
Once your plan’s maximum is met, you can still use CareCredit or our in-office wellness plan to cover additional treatments. This flexibility helps patients maintain affordable care throughout the year.
Types of Cosmetic Dental Services
Although insurance rarely covers cosmetic procedures, cosmetic dental financing helps make cosmetic services attainable. Our office provides several options to brighten, straighten and enhance your smile without financial stress.
Popular cosmetic services include:
DENTAL CARE FOR ADULTS WITHOUT INSURANCE
High-quality dental work shouldn’t be only for those with insurance. At TCD Madison, we create affordable dental care options through long-term financing, pre-payment discounts and wellness programs. Our financing team explores every available solution to keep your treatments within budget.
Other clinics may recommend delaying procedures to lower costs. At TCD, our payment options mean you don’t need to endure pain or live with cosmetic issues. We help you complete treatment now while balancing payments over time.
Affordable Dental Care & Financing FAQs
How do I finance dental care without insurance?
Use CareCredit, our $30/month Wellness Program or pre-payment discounts to cover costs affordably.
Does dental insurance cover cosmetic procedures?
Most plans exclude cosmetic work. TCD Madison offers cosmetic dental financing so services like veneers, whitening and Invisalign remain affordable.
What is the best option for affordable dental insurance in Wisconsin?
Providers like Humana and Delta Dental are excellent choices. If you don’t have insurance, our financing team will design a wellness plan tailored to your needs.
Book an Appointment with Madison’s Affordable Dentists
TCD Madison has built a reputation for being one of the most affordable dental offices in Dane County, serving patients from Madison, Fitchburg, Middleton, Waunakee and beyond.
Don’t let costs delay your care. Total Care Dental of Madison combines affordable dental insurance, flexible financing and multiple payment options to help patients across Dane County. Contact us today or schedule your appointment online.
