Dental insurance in this country is, frankly, complicated. The premiums can be steep, the coverage is often limited, and the claims process is rarely enjoyable. If you've decided it's not worth it — or if your employer simply doesn't offer it — you're in good company. A large portion of the patients we see at The Local Dentist don't carry dental insurance, and we've made it a point to ensure that's not a barrier to good care.
The assumption that dental care is unaffordable without insurance isn't quite right. What's true is that dental care can be expensive if you're paying standard rates out of pocket for every procedure without any framework in place. The solution isn't insurance — it's having the right structure for your situation. Here's what we offer.
Our membership plan was designed specifically for patients who don't have or don't want traditional dental insurance. For one predictable annual fee paid directly to our office, you receive your preventive care — cleanings, exams, and X-rays — along with meaningful discounts on other treatments. No claims. No denials. No waiting periods. No deductibles. Benefits start immediately, and the plan covers everyone regardless of pre-existing dental conditions.
For patients who come in for their two preventive visits per year, the membership plan often comes out ahead of what comparable insurance coverage would cost — without the administrative hassle.
For anything not covered under the membership plan, we price clearly and discuss costs before we begin. There are no surprise charges. We'll also help you think through the difference between what needs to be handled now and what can be scheduled in a few months — so you can manage your care in a way that fits your financial situation without letting anything that truly needs attention slide.
If you're facing more extensive treatment — implants, crowns, periodontal work — we offer financing through Sunbit, Cherry, and CareCredit. These options allow you to spread costs into monthly payments without waiting until you can pay everything at once. Our team will walk you through the options and help you apply. The goal is to make sure that needing significant dental work doesn't mean having to choose between your oral health and everything else.
If you're unsure what dental care will cost you without insurance, the simplest thing to do is call us. We can talk through the membership plan, give you a general sense of what common procedures cost, and help you think about what your care might look like over the next year. No pressure, no obligation — just a straightforward conversation. Reach us at (360) 543-8488.
Ready to schedule your next dental appointment or have questions about our services?
Our friendly team is here to help you with scheduling, treatment questions, and anything else on your mind. Give us a call, send an email, or fill out the form — we'd love to hear from you.
**Requested time is not final until you receive confirmation from our office.
Please do not submit any Protected Health Information (PHI).
