Understanding your dental insurance doesn’t have to be overwhelming — we’re here to make it simple.
Your Dental Benefits, Made Simple
Navigating dental insurance is one of the most common concerns patients have before scheduling care. Questions about coverage, in-network status, and out-of-pocket costs can make the whole process feel more complicated than it needs to be. At Lumin8 Dentistry in Lakewood, WA, we work with a wide range of insurance plans and are committed to helping every patient get the most out of their benefits, whether you’re coming in for a routine cleaning and check-up or a more involved procedure. Our knowledgeable team is here to walk you through your coverage and answer any questions you have before you sit down in the chair. As a new patient, understanding what your plan covers is one of the first things we help you with.Insurance Information
We Accept Most Major PPO Dental Insurance Plans
Lumin8 Dentistry is in-network with a broad range of preferred provider organization (PPO) plans, which are among the most widely used dental insurance plans in the United States. According to the American Dental Association’s Health Policy Institute, patients with private dental insurance are significantly more likely to visit a dentist and utilize preventive services, and we want to make sure insurance is never a barrier to care for our patients.
We currently accept the following PPO insurance plans:
- Delta Dental PPO
- United Concordia
- MetLife
- United Healthcare Dental
- Cigna Dental
- Humana Dental
- Aetna Dental
- Principal Financial Group
- Guardian
- Blue Cross Blue Shield
- Ameritas Dental
- Principal Dental
Government & Military Benefits
Coverage for Medicare Advantage and TRICARE Patients
At Lumin8 Dentistry, we proudly serve patients covered under Medicare Advantage and TRICARE/military dental plans. We understand that military families and Medicare beneficiaries have specific coverage needs, and Dr. Jun Carrington and our team take the time to understand your plan and help you maximize the benefits available to you. Please note that we do not currently accept Medicaid, HMO dental plans (including DHMOs), or Veterans Affairs (VA) dental benefits. We want to be upfront about this so you can plan your care accordingly. If you are unsure whether your plan qualifies, our front desk team is happy to help you verify before your appointment. For patients without dental insurance or those seeking care beyond what their plan covers, we offer flexible financing options to help make treatment accessible. We accept CareCredit and Cherry financing, which offer 0% interest for 24 months. This is a great option for patients pursuing dental implants or other high-value treatments. We also accept cash, personal checks, credit and debit cards, and HSA/FSA funds. Payment is due at the time of service.Frequently Asked Questions
We know patients often have questions about how their insurance works at a new practice. Here are answers to some of the most common ones we hear at Lumin8 Dentistry.Do you accept my insurance plan?
We accept most major PPO dental plans, as well as Medicare Advantage and TRICARE. The best way to confirm your specific coverage is to contact our office directly. Our team can verify your benefits and let you know what to expect before your visit.What if I don’t have dental insurance?
No insurance, no problem. We offer Cherry financing with 0% interest for 24 months, as well as CareCredit, to help make your care affordable. We also accept HSA and FSA funds, cash, checks, and all major credit and debit cards. Be sure to check out our new patient specials for additional savings opportunities.Do you accept HMO or Medicaid plans?
At this time, Lumin8 Dentistry does not participate in HMO dental plans (including DHMOs) or Medicaid. We also do not accept VA dental benefits. If you have questions about alternative coverage or financing options available to you, our team is glad to help you find a path forward.Affiliations & Education
