Dental Insurance 

At Pearl Smile Center, we make quality dental care accessible. We accept most major PPO insurance plans and offer flexible financing options so nothing stands between you and a healthy smile.

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Dental insurance accepted at Pearl Smile Center in Memorial TX

Insurance Information

Accepted Insurance Plans

Pearl Smile Center is in-network with many of the major PPO dental insurance plans serving the Energy Corridor and greater Memorial area. We work directly with your carrier to maximize your benefits and minimize out-of-pocket costs.

We accept Medicare Advantage PPO plans. We do not accept Medicaid or TRICARE at this time. Not sure if we take your plan? Call us at (713) 461-3200 and our team will verify your benefits before your visit.


Ameritas (Emeritas)

UnitedHealthcare PPO

United Concordia

Delta Dental

Guardian

Medicare Advantage (PPO only)

No Insurance? No Problem.

Office Loyalty Plan & Financing Options

We believe every patient deserves access to exceptional dental care, regardless of insurance status. Our Office Loyalty Plan is designed to make that possible — with straightforward annual membership fees and meaningful discounts on all treatment.

Adults enroll for $325/year and children for $295/year. Each membership includes two hygiene visits with comprehensive exams and X-rays, three focused problem visits for urgent concerns, and discounts on all other procedures.

We also offer flexible patient financing through CareCredit and Cherry, making it easy to start treatment today and pay over time on a schedule that works for you.

Affordable dental care and financing options at Pearl Smile Center Memorial TX

Frequently Asked Questions

Have questions about using your insurance at Pearl Smile Center? We have answered the most common ones below — and our team is always happy to help you verify your benefits before your visit.

Do you accept my PPO dental insurance if it is not listed?
We accept most major PPO dental insurance plans. If you do not see your carrier listed, call our office at (713) 461-3200 and our team will verify your benefits and let you know what is covered before your appointment.
How do I know what my insurance will cover?
Our front office team can perform a benefits verification before your visit so you have a clear picture of your coverage, co-pays, and any out-of-pocket costs. We encourage you to call ahead or text us so we can prepare your benefits summary in advance.
What financing options are available if I do not have insurance?
We offer patient financing through CareCredit and Cherry, both of which provide flexible payment plans for dental treatment. We also offer our in-house Office Loyalty Plan — an annual membership that covers preventive care and discounts on all other services — for patients without traditional dental insurance.

Ready to schedule your visit? Our team is here to help you make the most of your benefits.

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Patient Testimonials