Flexible Dental Financing
& Insurance Options

At Murphy Crossing Dental Care, we believe everyone deserves access to quality dental care—regardless of budget or insurance status. Whether you’re here for a cleaning, braces, or dental implants, we’ll help you get the treatment you need with clear costs and flexible payment options. Don’t leave without checking out our limited time special discounts!

Affordable Care Without the Stress

A scale balancing stacked coins on one side and a large tooth on the other side.

Payment Plans That Work for You

We offer third-party and in-house financing to make dental care more accessible than ever.
  • Sunbit Financing – Pay over time with no hard credit check, fast approval, and no penalties or hidden fees.

  • CareCredit Accepted – Use your health care credit card for routine care, orthodontics, and more.

  • Low Down Payments – Start treatment with as little as 10% down on approved credit.

  • In-House Options – Didn’t qualify elsewhere? Ask us about our flexible in-office solutions.

We’ll help you find a way to move forward with treatment, no matter your credit situation.

We Accept Most Dental Insurance Plans

Whether you have a PPO, HMO, or Medicaid plan, we likely take it.
  • PPOs & HMOs – Delta Dental, Cigna, MetLife, Aetna, United Concordia, and more

  • Texas Medicaid & CHIP – Including MCNA and DentaQuest (scheduled ahead)

  • Large Network – We work with most major insurance providers

  • Verification Help – Not sure what’s covered? We’ll confirm it for you

Insurance Disclaimer: Accepted plans are subject to change. Please contact our office before your visit to confirm coverage and eligibility.

A pair of glasses sitting on top of a large piece of paper explaining insurance coverage information.

Limited Time Offers & Special Discounts!

Important Offer Details: The offers listed below include key terms and monthly pricing estimates, but many details are hidden within each accordion. Please click or tap each offer to expand and view all eligibility requirements, disclaimers, and conditions before making any decisions.

*$180 per month for lower arch ($7,910 retail price)
*$380 per month for upper arch ($9,040 retail price)

*Implant secured denture offer includes 2 to 4 dental implants and new denture appliance per arch based on qualifications of individual need and oral health.

A down payment as low as 10% with approved credit score may be required on approved 3rd party financing. Price based on 14.9%-21% Annual Percentage Rate (APR) up to 60 months and is also contingent on credit approval. Valid on treatment of implant secured-denture including up to four implants and dentures (Retail price: $9,040 for upper arch and $7,910 for lower arch). Number of implants are based on dental assessment of individual need and oral health condition. Diagnosis may result in additional treatment and cost to the patient. Financing terms and monthly payment may vary based on individual. See office for complete terms and pricing. Offer is subject to change by the 3rd party financing at any time without notice and must be contracted by 12/31/25. Dental implant services are provided by general dentists and specialists.

*A down payment as low as 10% with approved credit score may be required on approved 3rd party financing. Price based on 20.99% Annual Percentage Rate (APR) up to 60 months and is also contingent on credit approval. Valid on standard treatment of single implant and includes placement, abutment, and tooth crown (Retail price: $4,473). Diagnosis may result in additional treatment and cost to the patient. Financing terms and monthly payment may vary based on individual. See office for complete terms and pricing. Offer is subject to change by the 3rd party financing at any time without notice, and must be contracted by 12/31/25. Dental implant services are provided by general dentists and specialists.

$107 per month offer is based on approved 3rd party financing and a down payment up to 15% of the financed amount may be required. A finance charge (20.90% Annual Percentage Rate (APR) up to 60 months) may be applied and is also contingent on credit approval. Retail Price of standard, two-year treatment in Texas with metal braces is $4,645 (this pricing does not apply to ClearArc® Orthodontic Aligners or gold and clear brackets). Diagnosis may result in treatment at an additional cost to the patient. See office for complete terms and pricing. Offer is subject to change, cannot be combined and must be contracted by 12/31/25. Services are provided by orthodontists.

*Limited time offer valid for one time use only and expires August 31, 2025. This offer is not transferrable, not redeemable for cash or cash value. Not valid on past treatment(s) or services or treatments that are covered or payable by private insurance or government insurance. While the discount is applicable to payments made in cash, card or via bank transfer, it cannot be applied to co-insurance, deductibles or patient co-payment. Down payment must be made at treatment initiation. Down payments from $200 up to $500 will be matched as a discount off total treatment cost. Valid for new treatment cases started from June 1st, 2025 through August 31st, 2025 only. Additional terms may apply. Retail price of metal braces is $4,645. Diagnosis may result in additional treatment and cost to the patient.

*Not valid for patients with any dental benefit insurance or coverage, regardless of whether such coverage is provided by discount program coverage, or coverage by health or dental insurance or any government program, including Medicaid. The regular price for these procedures is $200. This offer is valid for new patients until 12/31/25 for exam, X-rays and consultation only. X-rays do not include panoramic or cephalometric images. This offer cannot be combined with any other offer. Diagnosis may result in treatment at an additional cost to the patient. Services are provided by general dentists. No purchase obligation required.

*The American Association of Orthodontists (AAO) recommends that every child have an orthodontic screening by age 7, even if no issues are visible. While most people get braces between the ages of 7 and 40, everyone deserves a straight, healthy smile. That’s why we offer FREE braces consultations for patients of all ages. Any necessary treatment may result in additional costs.

*Limited time offer valid for one time use only and expires August 31, 2025. This offer is not transferrable, not redeemable for cash or cash value. Not valid on past treatment(s) or services or treatments that are covered or payable by private insurance or government insurance. While the discount is applicable to payments made in cash, card or via bank transfer, it cannot be applied to co-insurance, deductibles or patient co-payment. Offer valid on full GumX treatment only (upper and lower arch). $100 discount applies to the total cost of upper and lower arch GumX treatment. Not valid with other promotions or discounts. Additional terms may apply. Retail price of GumX is $994, discounted price is $894.

*Limited time offer valid for one time use only and expires August 31, 2025. This offer is not transferrable, not redeemable for cash or cash value. Not valid on past treatment(s) or services or treatments that are covered or payable by private insurance or government insurance. While the discount is applicable to payments made in cash, card or via bank transfer, it cannot be applied to co-insurance, deductibles or patient co-payment. Discount valid for third-party financing. Discount not valid for In-house financing. Discount valid on crowns, extractions, bone grafts, root canals, and SRP. Excludes dental implants and related procedures. Excludes GumX. $100 discount applies for treatment plans between $500 and $1000, $200 discount applies for treatment plans between $1,001 and $1,500, $300 discount applies for treatment plans between $1,501 and $2,000, $400 discount applies for treatment plans between $2,001 and $2,500. $500 discount applies for treatment plans exceeding $2,501. Additional terms may apply. Cannot be combined with other offers. Retail price for included services ranges from $107-$1,675.

Disclaimer: All offers are subject to change without notice and depend on individual diagnosis, credit approval (if financing is involved), and other eligibility criteria. Expanded terms and limitations are provided within each section above. We recommend contacting our office directly to confirm the latest pricing, treatment availability, and financing options.

A young woman smiling in the waiting area while filling out paperwork before an appointment.

No Insurance? We’ve Got You Covered

You don’t need insurance to get excellent care at Murphy Crossing Dental Care.
  • Free New Patient Exam & X-Rays – If you’re uninsured

  • Flexible Financing – Payment plans available for all types of care

  • Transparent Pricing – Know the cost before we begin

  • No Pressure – We work with your goals and your budget

Your oral health matters to us—regardless of your coverage status.

Answers to Your Questions

We accept most major PPO and HMO dental insurance plans, including Delta Dental, Cigna, MetLife, Aetna, and many others. We also accept Medicaid and CHIP plans in Texas, including MCNA and DentaQuest. Insurance networks can change, so it’s always best to contact our office to confirm your coverage before your visit.

No problem! We offer affordable cash prices, free new patient exams and X-rays (for uninsured patients), and flexible financing options. Many of our patients take advantage of third-party financing or our in-house payment plans to get the care they need.

Yes. Through options like Sunbit and in-house plans, we can often approve patients with less-than-perfect credit. We’ll work with you to find a solution that fits your budget.

Yes! We offer third-party financing through Sunbit and CareCredit, as well as in-house options for those who may not qualify elsewhere. Monthly payments and down payments vary depending on the treatment and approval, but our team will help guide you every step of the way.

With approved credit, down payments can be as low as 10–15%. In some cases, no down payment is required. We’ll let you know what’s needed before starting any treatment.

Yes! We frequently run special promotions, including:

  • Braces starting at $107/month

  • Dental implants from $140/month

  • Up to $500 off crowns, extractions, and root canals

  • $100 off full GumX treatment

  • Free exams, X-rays, and consultations for uninsured new patients
    (Offers valid through 12/31/25. Terms and eligibility apply.)

Sunbit is often easier to qualify for and doesn’t require a hard credit check. CareCredit is a widely accepted healthcare credit card that offers promotional interest-free options. We accept both and will help you decide which works best for your needs.

Yes, you can typically use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) for qualifying dental procedures. Just check with your plan administrator for details.

Absolutely. We believe in transparent pricing. You’ll receive a detailed treatment plan and cost estimate before we begin anything—no surprises.

Yes! You can apply for Sunbit or CareCredit online before your appointment. Ask our team for a secure link or visit our office for help completing the application.

If you plan to use insurance, please bring your ID and insurance card. For financing, a valid government-issued ID and basic income information may be required.

Special offers usually cannot be combined with insurance-covered treatments, but we’ll review your case to find the best value available. Please call ahead for the most accurate information.

Yes—payment plans are available for orthodontics, implants, and most other procedures. Terms vary based on your treatment and credit approval.

No. There are never penalties for early payoff with Sunbit or CareCredit.

Didn’t find the answer to your question? Call us at (469) 322-8595, and we’ll be happy to help!

What to Expect When Discussing Insurance & Financing

1. Personalized Consultation

We’ll review your needs and treatment goals.

2. Transparent Estimates

You’ll get a detailed breakdown of any costs upfront.

3. Flexible Options

Choose from insurance billing, financing, or in-house plans.

4. Ongoing Support

We’re here to help you navigate payments and benefits.

Smile Now—Pay Later

Let us help you find a payment or insurance solution that works. Whether you’re insured, uninsured, or somewhere in between, Murphy Crossing Dental Care is committed to your health, comfort, and confidence.

Call us at (469) 322-8595 or book your appointment online now!

See What Our Patients Are Saying!

“Had my first appointment at this office and I had such a great experience with Thao, Ariel and Dr. Nayak! Everyone was so kind, and made me feel comfortable.”

A loyal patient's experience.

“I feel like my oral health is in good hands and everyone there is amazing 😊 …”

A valued patient shared this feedback.

“Absolutely love my dental visits here! Ive came to this dental office for years and haven’t had any bad experiences.. Front staff, Dr and hygienist are awesome! 100% recommend!”

From a recent patient.