Not having dental insurance is more common than most people realize — and it shouldn't be a reason to skip care. At The Local Dentist, a significant number of the patients we see every week don't have coverage. We've built real options specifically for that situation, so that "I don't have insurance" doesn't have to mean "I can't go to the dentist."
Our membership plan is the most straightforward path to affordable dental care for uninsured patients. You pay a simple annual fee directly to our office — no insurance company, no claims process, no network restrictions. In return, you get your preventive care included and meaningful discounts on other treatments throughout the year.
The plan has no deductibles, no waiting periods, and no pre-existing condition limitations. Coverage starts the day you enroll. For patients who come in regularly for preventive care, the membership plan typically pays for itself several times over compared to paying full fees out of pocket for every visit.
If you prefer to pay as you go rather than committing to an annual plan, we price everything transparently and discuss costs before any treatment begins. You'll never leave our office surprised by a bill for something we didn't walk you through first. We'll also help you think through what's genuinely urgent versus what can wait — so you can spread the cost of care over time in a way that makes sense for your budget.
When treatment involves more significant work — implants, crowns, periodontal care — we offer financing through Sunbit, Cherry, and CareCredit. Each offers different terms and approval processes, and our team will help you find the option that fits your situation. Spreading treatment costs into manageable monthly payments makes comprehensive care accessible even without insurance backing it up.
The most expensive dental care is always the care that was delayed until the problem escalated. A small cavity caught early is an inexpensive filling. The same cavity left for another year can mean a root canal and crown — or an extraction and implant. Regular preventive visits, even without insurance, are almost always the most economical long-term choice. We're here to make those visits as affordable as possible.
If you'd like to talk through your options before scheduling, just call us at (360) 543-8488. We'll walk you through the membership plan, what services cost, and how to approach your care in the way that works best for you.
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).
