Insurance, Financing & Payment Plans

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General Information

We are glad to be in network providers for many insurance companies. It is essential for you to know that as part of the Affordable Care Act, one the mandates contained in the law is that every policy must offer dental health care to children. Regardless of the type of plan you have, Miami Children’s Smiles will always abide by the fees of your insurance as long as payment is received in the contracted manner.

For your tranquility we pre-authorize most operative procedures, meaning that estimated treatments are sent to your insurance company for authorization, leaving us and you to be reassured that your out pocket, deductibles and co-payment obey to the right charges to you.

In order to set up an appointment, you and/or your child must have an active dental policy. If you come as a self pay patient, we would offer you our customary fees. Please understand that in the State of Florida, proof or insurance eligibility is NOT a warranty of payment. Even after our services are rendered, your insurance company may deny payment on the basis of a retroactive policy termination; leaving you responsible for the payment of such services.

Make sure to read and understand our financial policy and the way we operate when dealing with your insurance company.


CareCredit is different from a regular credit card. Use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.

Pay for health, and wellness care at over 250,000 enrolled providers across the nation. Once you’ve applied, you can use it again and again at any location that accepts CareCredit.

With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.* (Subject to credit approval.)

CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.**

For complete details, see the CareCredit account agreement within your application.

Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.

Miami Children's Smiles Membership Plan

No Insurance? We Have You Covered.

See how simple and affordable better oral health can be! Includes cleanings, exams, and routine x-rays at no additional cost. Exclusive discounts off other procedures, like fillings. Benefits start immediately and membership runs for 12 months from the date you join. And, no deductibles, waiting periods, annual maximums, denials of claims, or pre-approvals. Choose a care plan that best fits your needs!