Quality Dental Care Within Reach
Wells Family Dental Group is committed to making sure every patient has access to the best dental care. We make it simple to understand what your plan covers, what your visit will cost, and how to pay for treatment — across all of our offices in Raleigh, Pittsboro, Wake Forest, and Morrisville. Whether you have PPO coverage, no insurance at all, or a treatment plan that needs to fit a monthly budget, our team will walk you through every option before you sit in the chair.
Have a coverage question? Call your nearest office or contact us below and our front-desk team will verify your benefits for you with no cost and no obligation.
In-Network With Most Major PPO Dental Plans
As one of the Triangle’s largest family-owned dental groups, Wells Family Dental Group is proud to be in-network with most major PPO insurance carriers, including:
- MetLife
- Cigna
- Delta Dental Premier
- UnitedHealthcare
- United Concordia Dental
- Blue Cross Blue Shield
- Humana
- Ameritas
- Aetna
- GEHA
Being in-network means we’ve agreed to your insurance company’s negotiated rates, so you pay less out of pocket and there are no surprise “balance bills” for the difference. Plan participation can vary slightly by office and by the specific plan you carry, so please confirm with your preferred location when you schedule.
Not seeing your carrier? We accept and file claims for most PPO plans, even when we’re out-of-network. Call us and we’ll tell you exactly how your benefits apply.
Dental Financing: CareCredit & Affirm
For crowns, implants, orthodontics, oral surgery, or full-mouth treatment plans, monthly financing lets you start care now and pay over time.
CareCredit
A healthcare credit card with promotional interest-free periods on qualifying balances. Reusable for future dental visits and for family members. Apply in minutes online or at any front desk.
Affirm
Choose your own payment schedule at checkout with clear, fixed monthly payments and no hidden fees. Instant loan decisioning with no impact to your credit to check your options. *
In-House Financing
Qualifying patients can finance up to $1,500 of treatment directly through Wells Family Dental Group — no third-party application required. Ask your treatment coordinator whether your plan qualifies and what a monthly schedule would look like.
*Rates from 0-36% APR. For example, a $400 purchase might cost $36.10/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. Affirm, Inc., NMLS 1883087. Affirm Loan Services, LLC, NMLS 1479506. https://www.affirm.com/
Ways to Pay
We keep payment straightforward and flexible:
- Cash, check, and all major debit and credit cards
- Apple Pay and contactless payment
- Health Savings Account (HSA) and Flexible Spending Account (FSA) cards
- Third-party financing with low or no interest (details below)
- In-house financing on qualifying treatment
- The Wells Family Dental Group Membership Plan for patients without insurance
Payment for your estimated portion is due at the time of service. For larger treatment plans, we’ll build a payment strategy with you before any work begins.
Our In-House Membership Plan
No Insurance? We’ve got you covered.
100% Inclusive Membership Plan!
Includes:
Cleanings • Exams • X-Rays • 15% Off on other needed treatment
Plans to Fit Any Budget
Plans Starting at
ONLY $32/Month
Frequently Asked Questions
Does Wells Family Dental Group take my dental insurance?
We’re in-network with most major PPO plans, including Delta Dental, MetLife, Cigna, Aetna, UnitedHealthcare, United Concordia, Blue Cross Blue Shield of NC, and GEHA. We also accept and file claims for most out-of-network PPO plans. Call your nearest office and we’ll verify your specific benefits for free.
Do you accept Medicaid?
No, Wells Family Dental Group does not accept Medicaid or NC Health Choice at any of our locations. If you’re covered by Medicaid and need care, we’re glad to help you find a participating provider. For patients without dental coverage, our in-house Membership Plan — starting at $32/month — includes your cleanings, exams, and X-rays plus 15% off most other treatment, with no deductibles or annual maximums.
What does "in-network" actually save me?
In-network dentists accept your insurer’s negotiated fee as payment in full for covered services, so your co-insurance is calculated on a lower number and you’re never balance-billed for the difference.
Do you offer payment plans for dental work?
Yes. We offer CareCredit and Affirm for monthly payments, in-house financing up to $1,500 on qualifying treatment, and HSA/FSA acceptance. Your treatment coordinator will help you choose the best fit.
I don't have dental insurance. What are my options?
Our Membership Plans are available at all of our locations and start at just $32/month . The plan covers your cleanings, exams, and X-rays for the year, plus 15% off most other treatment — with no deductibles or annual maximums.
Can you tell me what a procedure will cost before I schedule?
Absolutely. We provide a written estimate showing the full fee, your expected insurance payment, and your out-of-pocket portion before any treatment begins.
