We work with a wide range of insurance carriers to make sure your benefits go as far as possible. Our practice accepts: Aetna, Ameritas, Blue Cross Blue Shield, Cigna, Colonial Life, Delta Dental, Guardian, HealthPartners, Humana, MetLife Dental, Principal Financial, Sun Life Financial, The Standard, UnitedHealthcare, and United Concordia Dental, and more. If you have coverage from one of these providers, you can trust that we will help you use your dental insurance oral surgery benefits to their fullest.
Dental Insurance & Financing for Oral Surgery in Minnetonka
At Wise Decision Wisdom Teeth Specialists, we believe cost should never stop you from getting expert care. That’s why we accept more than 15 major dental insurance plans for oral surgery and offer straightforward, no-surprise pricing. Your wisdom teeth visit includes a panoramic X-ray at no charge, so you can learn exactly what your treatment will involve before any commitment. Read what other families say about their experience on our Patient Testimonials page.
Maximize Your Benefits
Insurance Plans We Accept for Oral Surgery
Direct Insurance Claims
We Verify Your Coverage & File All Claims
When you book a wisdom teeth consultation, our team will verify your insurance before your appointment. We explain how your dental insurance oral surgery coverage applies and what your estimated out-of-pocket costs will be. This way, there are no surprises. We handle the paperwork and claims so you can focus on your recovery.
Dental insurance coverage for wisdom teeth removal varies by plan, but most major policies cover a significant portion of the cost when the teeth are impacted or causing problems. Typically, plans cover extraction, anesthesia, and follow-up care. To get a precise estimate of your wisdom teeth removal cost insurance benefits, schedule a consultation and we will run a pre-authorization for you.
Accepted Insurance Carriers
Monthly Payment Options
Flexible Financing Options
We accept most major insurances and have 0% financing for 12 months to make our services as accessible as possible. We are happy to work with you to maximize your insurance reimbursement.
Accepted forms of payment
- Visa®
- Mastercard®
- American Express®
- Debit card
- Insurance
- Cash
- Check
CareCredit for Oral Surgery
CareCredit is a healthcare credit card designed specifically for medical and dental expenses. You can use it to pay for your oral surgery procedure in monthly installments with low or no interest, depending on the promotional term you choose. You can apply online in minutes, and our team can help you select the plan that fits your budget.
Fast Online Application • Promotional Terms
Cherry Financing — Apply in Minutes
Cherry offers a fast, online application that gives you an instant credit decision. You can use Cherry to spread the cost of your treatment into manageable monthly payments with flexible terms. Both CareCredit and Cherry are straightforward tools that let you move forward with the care you need without financial stress.
Instant Decision • Flexible Monthly Terms
Financial Coordinators
Have questions about financing your care?
Our financial coordinators are here to walk you through every option and help you find the right fit for your budget.
Your First Visit
Your Wisdom Teeth Consultation Includes a Panoramic X-Ray
Your first visit to our Minnetonka office includes a thorough evaluation by one of our board-certified oral surgeons and a panoramic X-ray. Please note: This complimentary consultation and panoramic X-ray are ONLY for wisdom teeth patients. This imaging gives us a complete picture of your teeth, jaw, and surrounding structures. Best of all, it is absolutely free and does not affect your dental insurance benefits. Learn more about what to expect during your wisdom teeth consultation.
Clear Answers
Frequently Asked Questions About Insurance & Financing
Have questions about how your insurance works or how to handle out-of-pocket costs? Here are clear, direct answers to common questions.
Most dental insurance plans provide partial coverage for wisdom teeth removal, especially when the teeth are impacted or causing problems. The amount covered depends on your specific plan. We recommend that you call your insurance provider or let our team verify your benefits for you.
No. We offer the consultation and panoramic X-ray as a complimentary service for all wisdom teeth patients, and we do not file it with your insurance. So there is no impact on your annual maximum, deductible, or any other part of your plan.
You can still receive expert care. We offer flexible financing through CareCredit and Cherry. From 0% interest financing for 12 months to make your treatment more affordable. Both allow you to pay over time with low monthly payments. Our team will help you choose the option that works best for your situation. For a full overview of what to expect, visit our Patient Information hub.
You can call your insurance provider to ask about coverage for oral surgery procedures. Or simply schedule a consultation with us and afterwards we will submit a pre-authorization request once you are seen by the doctor, so you know exactly what is covered before leaving the office and before any treatment begins.
Get Started
Ready to Schedule? Your Consultation Starts Here
Book your wisdom teeth consultation today and receive a complimentary panoramic X-ray — complimentary for wisdom teeth patients, with no impact on your insurance.