Dental Insurance & Financing in Missouri City
We believe cost should never stand between you and a healthy smile. Chi Family Dental accepts most major dental insurance plans and offers flexible financing options so you can get the care you need without stress.
Insurance plans we accept
We are in-network with most major PPO dental insurance plans, including Delta Dental, Cigna, Aetna, UnitedHealthcare, Humana, and MetLife. We also proudly accept Medicaid. Our front desk team will verify your benefits before your appointment so you know exactly what is covered and what your out-of-pocket costs will be. If your plan is not listed, call us — we may still be able to file claims on your behalf as an out-of-network provider.
We accept most insurance plans
Financing & payment options
For patients without insurance, or for treatments not fully covered by your plan, we offer flexible payment options to fit your budget. We accept all major credit and debit cards, and we can set up interest-free payment plans for qualified patients. Our team will work with you to break down the cost of treatment into manageable monthly payments, so you can move forward with confidence.
Before any treatment begins, we provide a clear, written estimate of costs and review your insurance benefits with you. There are no surprises — we want you to feel fully informed and comfortable with every decision about your care. If you ever have a question about a bill or a coverage detail, just ask. We are always happy to help you understand your statement and communicate with your insurance company on your behalf.
Cost, insurance, and financing
What it costs, and how coverage works
Insurance and financing questions are easier to answer with real numbers attached. Below are the private-pay ranges for implant treatment in the Houston area, how Texas Medicaid and PPO plans apply to that treatment, and the ways patients spread the cost. Ask us to check your specific plan — the answers here describe how plans generally work, not your plan's exact benefit.
Typical private-pay ranges
Updated November 2026- Single tooth implant — implant, abutment and crown
- The usual all-in starting point for one missing tooth.
- $3,000 – $5,500
- Consultation, exam and 3D cone-beam imaging
- Imaging is what lets us plan position, depth and angle before surgery.
- $100 – $350
- Tooth extraction, if the failing tooth is still present
- Simple extractions sit at the low end; surgical extractions cost more.
- $150 – $450
- Bone graft
- Added when the jaw has thinned after tooth loss.
- $400 – $1,200
- Sinus lift
- For upper back teeth where the sinus sits close to the bone.
- $1,200 – $2,500
- Implant-supported denture (per arch)
- A removable denture anchored on two or more implants.
- $6,000 – $12,000
- Full-arch fixed implants (per arch)
- A fixed set of teeth supported by four or more implants.
- $18,000 – $30,000
Ranges for the Houston and Missouri City area. What you actually pay depends on your tooth, your bone and whether sedation is used, so your written estimate from our office after the exam and 3D imaging is the price that applies to you.
Medicaid: what is and is not covered
We accept Texas Medicaid. Benefits are much broader for children and teens than for adults. For children, Medicaid typically covers exams, cleanings, fillings, crowns on back teeth and extractions. For adults, Texas Medicaid covers a narrow set of services, mostly emergencies such as extractions and pain relief. Dental implants are not a covered Medicaid benefit for adults or for children, so implant treatment is paid privately or through financing. If you have STAR, STAR+ PLUS or a Medicaid dental plan, call us with the plan name and member ID and we will confirm exactly what your plan covers before your appointment.
PPO insurance: how much an implant is actually paid
We are in-network with most major PPO dental plans, including Delta Dental, Cigna, Aetna, UnitedHealthcare, Humana and MetLife. A PPO plan pays a percentage of its allowed fee rather than the full fee. Cleanings and exams are often covered at 100%, fillings at around 80%, and major work such as implants and crowns at around 50% after any deductible. Nearly every plan also caps what it pays in a year, commonly $1,000 to $2,000, and many include a missing tooth clause or a waiting period for major services. When there is time before treatment, we send a pre-treatment estimate to your insurer so the number you see is your plan's real share rather than a guess.
Ways to pay for implant treatment
- Pay in full at the visit. Cash, check, HSA or FSA card, and all major credit and debit cards are accepted.
- In-house payment plan. For larger treatment we can split the balance into monthly payments agreed before the first appointment. Ask the front desk what arrangement fits your case.
- Outside patient financing. Third-party lenders let you spread implant treatment over 12 to 60 months, with promotional no-interest periods available to qualified applicants. Approval, term and interest depend on the lender.
In practice, $4,500 of implant treatment over 24 months works out to about $188 a month, and a longer term lowers that figure. We agree the amount in writing before treatment starts.
Insurance and payment questions
Want the full implant breakdown? See dental implant cost ranges.
Questions about your coverage?
Call our team with your insurance card and we'll verify your benefits and answer any questions you have about payment.
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