Everyone deserves access to dental care that’s both high quality and affordable. Whether you’re keeping up with routine cleanings or planning a more involved treatment, having the right insurance or payment plan can make a big difference.
At Alki Dental, we’re dedicated to serving the people of West Seattle, including Harbor Ave, Alki, Westwood Village, and nearby neighborhoods. We believe dental care should be simple to understand and easy to access, no matter your situation.
That’s why we created this guide. Whether you have insurance or not, you’ll find clear info on your options, from in-house membership plans to flexible financing tools and cash discounts.
Dental Insurance Options in West Seattle
Alki Dental accepts a wide range of PPO insurance plans, making it easier for patients to get the care they need with less out-of-pocket stress. PPO plans are especially popular in West Seattle because they allow patients to choose their provider while still receiving insurance coverage.
Some of the most commonly accepted insurance providers in the area include:
- Delta Dental PPO and Premier
- Aetna
- Cigna
- Blue Cross Blue Shield
- Ameritas
- United Concordia
- UnitedHealthcare
- Premera
- Humana
- Principal
- GEHA / Connection Dental
- Dental Health Services
At Alki Dental, we’ll take care of submitting your insurance claims and help you understand what’s covered before any treatment begins. Our goal is to make sure you’re fully informed and confident every step of the way.
Keep in mind that most insurance plans still require co-payments, and many have annual maximums that limit total coverage each year. If you’re unsure about your benefits or network eligibility, just give us a call and we’ll help you sort it out.
Insurance Comparison: What Sets Each Provider Apart
| Provider | Estimated Monthly Cost | Coverage Highlights | Common Exclusions |
|---|---|---|---|
| Delta Dental PPO & Premier | $31–$88 (WA); $17–$50 (US) | Preventive, basic, major services. Strong networks. | Orthodontics and cosmetic work often excluded. Waiting periods may apply. |
| Aetna Dental PPO | From ~$20 | 100% coverage for preventive. Wide provider network. | Major services may have waiting periods. |
| Cigna Dental | ~$25 | Customizable. Preventive fully covered. Vision bundles available. | Orthodontics often requires plan upgrades. |
| Blue Cross Blue Shield | Varies | Preventive and restorative care. Strong national network. | Cosmetic and ortho may not be included. |
| Ameritas | ~$69 | Preventive to major care. High annual maximums. | Orthodontics typically limited to children. |
| United Concordia | Varies | Basic and preventive focus. Popular for military/federal. | Coverage varies by plan. |
| UnitedHealthcare | ~$47 | Broad options. Ortho sometimes included. | Cosmetic services generally excluded. |
| Premera | Varies | Strong local provider network in WA. | Ortho and cosmetic services may vary. |
| Humana | ~$22 | Low-cost preventive care plans. | Limited or no coverage for major care. |
| Principal | Varies | Employer group plans. Balanced coverage. | Dependent on employer offering. |
| GEHA / Connection Dental | Varies | Standard services. Government employee focus. | Limited ortho/cosmetic unless added on. |
| Dental Health Services | Varies | HMO-style. Simple fee schedules. No deductibles. | Restricted network. Major care may be capped. |
*Pricing and coverage vary based on age, plan type, and location. Always review your policy or speak with a provider directly.
Choosing the right dental insurance means comparing coverage, costs, and flexibility. Here’s a quick look at the estimated monthly premiums and core benefits of several major providers available in West Seattle:
Insurance Comparison: Coverage, Pricing, and Service Details
Estimates are based on public sources and may vary depending on age, zip code, and plan specifics. Actual coverage, including what’s covered, any waiting periods, excluded services, and annual limits depends on the specific plan you choose.
Always review your policy’s certificate of coverage or speak directly with the insurer to understand exactly what dental services are included.
Membership and Discount Plans: Alternatives to Insurance
Don’t have dental insurance? You’re not alone—and you still have options. At Alki Dental, we offer an in-house membership program through Kleer, designed specifically for patients who want affordable, preventive dental care without the complexity of insurance.
Kleer Membership Plan at Alki Dental
With a flat monthly rate, Kleer makes it easy to manage your dental health year-round. Plans are available for both children and adults, and you can sign up online anytime.
What’s included:
- 2 professional cleanings per year
- 2 exams
- Fluoride treatments
- Routine x-rays
- 1 emergency exam
- 25% off most other treatments
Cost:
- $33.33/month for children
- $40/month for adults
There are no deductibles, waiting periods, or insurance claim forms. It’s a straightforward solution for patients who want consistent care without hidden costs.
Dental Financing Options to Spread Out Costs
Even with insurance or a membership plan, larger treatments can come with unexpected costs. That’s why Alki Dental offers flexible financing options to help you pay over time—without the stress of a lump-sum bill.
CareCredit
CareCredit is one of the most widely accepted dental financing tools in West Seattle. It works like a credit card for healthcare and allows you to split payments over time, often with 0% interest for 6 or 12 months if paid within the promotional period. How it works:
- Apply online or in-office
- Subject to credit approval
- Choose your term (typically 6 or 12 months)
- Make monthly payments
CareCredit is a good option for patients who qualify and want to avoid interest charges with on-time payments.
Cherry
For patients looking for a more flexible or accessible alternative, Cherry is another great option. Cherry lets you split payments over 3, 6, 12, 18, or 24 months, and many plans come with 0% APR. Why patients choose Cherry:
- No hard credit check
- Quick approval process
- Requires only a mobile number and state ID
- Instant decision
Cherry is designed to be fast and inclusive, so even if you’re building credit or don’t want a traditional credit card, you still have access to care.
In-House Payment Plans
At Alki Dental, we also work with patients directly to create interest-free payment plans for qualifying treatments. Just speak with our front desk before your appointment, and we’ll walk you through your options based on your treatment plan and budget. If you’re preparing for restorative care like tooth fillings, this can make managing costs much easier.
Cash Discounts and Promotional Offers
Looking to save even more on your dental care? Paying with cash can sometimes work in your favor. At Alki Dental, we offer a 10% discount when you pay for your treatment in full using cash.
It’s a simple way to reduce costs, especially if you don’t have insurance or are planning for a larger procedure. In addition to cash discounts, we also run new-patient promotions throughout the year. These can include:
- Discounted exams and x-rays
- Savings on your first cleaning or treatment
- Referral bonuses or seasonal offers
While availability can vary, it’s always worth asking if any promotions are currently active. A quick conversation with our team—or booking through our online scheduling portal—could help you unlock extra savings on your next visit.
Ready to Find the Right Dental Coverage?
Whether you’re exploring insurance options, considering a membership plan, or looking into flexible financing, the team at Alki Dental is here to help you make sense of it all. We’ll take care of submitting your insurance claims and walk you through your coverage details before any treatment begins—so you always know what to expect.
If you’re uninsured or working with a specific budget, we can also help you explore in-house plans, discounts, and payment options that make sense for your needs. Still have questions? Give us a call at 206-933-9300 or visit our office in West Seattle!
