Affordable Dental Care in Germantown, MD
At River Stone Dental Center, we believe everyone deserves access to high-quality dental care, regardless of their financial situation. Our office accepts out-of-network dental plans, FSAs, HSAs, and CareCredit payment plans.
For patients interested in working directly with our team, we also provide an in-house membership plan that can help your family save big on the cost of dental care. Should you have any financial questions or concerns at any time, please don’t hesitate to reach out, and we’ll be glad to assist.
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Dental Insurance
Our practice is in-network with Cigna, and we accept all insurances. We are also contracted with Medicaid to serve Kaiser and Maryland Healthy Smiles patients. Our team can file claims on your behalf and help you understand your out-of-pocket costs so there are no surprises. We’re committed to helping you maximize your benefits and making your dental care as smooth and affordable as possible, no matter your insurance situation. For specific insurance-related questions and concerns, we recommend contacting our team directly.
In-House Dental Membership Plan
Don’t have dental insurance? Our in-house membership plan is a great alternative that makes maintaining your smile easy and affordable. For $495/year, you’ll receive routine preventive care like exams, cleanings, and X-rays, plus a 15% discount on all additional services, including orthodontics and cosmetic care. There are no deductibles, waiting periods, or claim forms—just quality care with straightforward pricing. It’s our way of helping you prioritize your oral health without the stress of navigating traditional insurance.
Children
(Under Age 14)
- Two Routine Cleanings & Exams
- Two Fluoride Treatments
- All Necessary X-rays
Adult
(Regular Care)
- Two Routine Cleanings & Exams
- Two Fluoride Treatments
- All Necessary X-rays
Adult
(Periodontal Maintenance)
- Two Periodontal Cleanings & Exams
- One Fluoride Treatment
- All Necessary X-rays
Benefits begin immediately upon enrollment, so call today!
CareCredit™ Financing
For patients looking to manage treatment costs over time, we recommend utilizing CareCredit. This healthcare financing option lets you pay for dental care in convenient monthly payments, often with little to no interest. It can be used for preventive, restorative, and cosmetic treatments, making it easier to get the care you need when you need it. Applying is simple, and credit decisions are typically made within minutes, so you could apply and get approved today!
Contact UsFrequently Asked Questions
What’s the difference between in-network and out-of-network insurance?
An in-network dentist has a contract with your insurance company that includes negotiated fees for covered services. Out-of-network providers don’t have that agreement, but many insurance plans still offer benefits for treatment received outside their network. Our team is happy to help you understand your coverage, estimate your out-of-pocket costs, and file claims on your behalf whenever possible.
Do you accept Medicaid?
Riverstone Dental Center accepts Medicaid, and we are committed to helping patients receive the dental care they need. Our team can help you understand your coverage, verify your benefits, and explain which treatments are included under your plan. If you have questions before your appointment, give us a call. We’ll be happy to review your benefits and help you make the most of your Medicaid coverage.
Can I use dental insurance and enroll in the in-house membership plan?
Our in-house membership plan is designed for patients without traditional dental insurance, and we don’t typically advise patients to be enrolled in both. If you already have insurance, we’ll help you maximize your coverage to reduce your treatment costs. If you don’t have insurance, our membership plan offers valuable savings on preventive care and discounts on many additional treatments, making it an affordable way to cover your care.
Can I use my FSA or HSA for any dental service?
In many cases, yes. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) can typically be used to pay for eligible dental expenses, including preventive, restorative, and many medically necessary treatments. Cosmetic procedures performed solely to improve appearance may not qualify. If you’re unsure whether your planned treatment is eligible, our team can answer your questions and help you use your FSA or HSA benefits before they expire.
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