At Pearl Shine Dental in Houston, TX, we believe everyone deserves access to high-quality dental care, no matter their financial situation. Your oral health plays a vital role in your overall wellness, and cost should never stand in the way of necessary treatment. That’s why we offer multiple payment options, work with most major insurance providers, and partner with trusted financing companies. Our team is here to help you find a solution that fits comfortably within your budget.
Payment & Financing Options
We understand that every patient’s financial situation is unique, and flexibility matters. Whether you’re paying out of pocket or exploring monthly installments, our team will guide you through every option to make care as accessible as possible.
- Accepted payments: Cash, check, and all major credit cards
- Digital payments: Apple Pay and Zelle (available upon request)
- Third-party financing: Cherry, CareCredit, Sunbit, Proceed Finance, and LendingClub
- Insurance billing: We help verify, file, and track your insurance claims
To explore flexible monthly financing, visit our External Financing page. For an overview of typical treatment costs, see our Office Fees page.
Accepted Insurance Plans
We proudly accept many major dental insurance plans to help patients maximize their benefits and minimize out-of-pocket costs. Our experienced team can assist with verifying your coverage and submitting claims on your behalf, ensuring a smooth and stress-free process. Please bring your insurance card to each visit, so your information remains up to date.
In-network providers include:
- Aetna
- Ameritas
- BlueCross BlueShield
- Cigna
- Elevance Health (formerly Anthem)
- Guardian
- Humana
- MetLife
- Principal
- United Concordia Dental
If you don’t see your provider listed, contact our team, and we’ll gladly check if your plan is accepted.
In-House Savings Options
No insurance? No worries! Our exclusive Pearl Shine Savings Club helps patients without coverage enjoy affordable dental care year-round. Members receive savings on preventive, restorative, and cosmetic treatments—all without deductibles or annual limits.
To learn more about membership benefits and pricing, visit our Pearl Shine Savings Club page.
Financial FAQs
Every patient’s needs are different, and treatment costs vary based on the services provided. We’ll review your options, explain all fees clearly, and help create a plan that works for your budget.
Yes, we work with trusted third-party lenders such as Cherry, CareCredit, Sunbit, Proceed Finance, and LendingClub. These partners make it simple to spread your payments into affordable monthly installments.
Absolutely. Many patients choose to combine their insurance coverage with financing to cover any remaining balance.
Yes, for your convenience, we accept Apple Pay and Zelle in addition to traditional payment options.
Care You Can Count On
At Pearl Shine Dental, we’re committed to making exceptional dental care affordable for everyone. Whether you use insurance, external financing, or our in-house savings plan, we’ll work with you to find a payment option that fits your needs. Our team is proud to serve the Houston, TX community with transparency, compassion, and a focus on lasting oral health. Contact us today to schedule your visit and learn more about the financial options available to you.