Finances And Insurance

Finances And Insurance

At our Richmond dentist office, we want you to have every opportunity to maintain your dental health. Our dedicated office staff will discuss with you all of the options available. We will devise a dental care plan that suits your budget and makes the most of your insurance coverage.

Financing or insurance should never have to come between you and the dental care you need. We work with nearly all insurance providers and can develop a care plan that works within the coverage and budget of each patient.

Southern Charm Dental accepts Medicaid, Medicare, CHIP, and most major PPO’s and insurance plans to ensure that your family receives the quality oral care they deserve. Contact us today to schedule an appointment!

Flexible Payment Options

Our philosophy at Southern Charm Dental is that finances and insurance should never stand in the way of your dental health. We are proud to offer our patients CareCredit, affordable financing that will keep your care plan within your budget.

Ask our knowledgeable, caring front office staff about the financing options that you can choose from, whatever insurance provider you have, or even if you are uninsured. We will help you get the care you need with a plan that you can afford.

Care Caedit

Finances Insurance

We accept the following insurance plans

In Network: Aetna, Ameritas, Assurant, BC/BS, Careington, Cigna, Delta Dental, Dental Select, Dentaquest, Dentemax, Dentistat, FCL, GEHA, Humana, Liberty, Metlife, MCNA, Principal, TMHP, Unicare, United Concordia, United Healthcare; CHIP & Medicaid

Dental Savers Plan

No Insurance? View our Dental Savers Plan

For an annual membership, our Dental Savers Plan is an in-house savings plan that provides a substantial discount for individuals and families who do not have dental insurance.

*Basic Cleanings with the Dental Savers Plan only for patients who are not in need of periodontal treatment.

Annual Membership Benefits Include

  • 1 Comprehensive Exam, Annual Exam, & Emergency Exam

  • 2 Oral Cancer Screenings

  • X-Rays: Includes 4 Bite-wing X-Rays & a Full Mouth Series or Panorex + Individual X-Rays Needed Throughout the Year

  • 2 Basic Cleanings (Valued at $200)*

  • 2 Fluoride Tooth Desensitizing Treatments

  • $1,000 OFF Invisalign

  • $250 OFF Whitening Session

  • Save Up To 50% Select Procedures

More Reasons To Join

  • NO Deductibles

  • NO Claim Forms

  • NO Denials

  • NO Waiting Period

  • NO Missing Tooth Clause Or Prior Work History


  • Individual - $150/Year

  • Each Additional Family Member - $100/Year

Guidelines & Limitations

  • This plan is a discount plan and NOT a dental insurance plan.

  • This plan is for individuals without an existing insurance plan.

  • This plan is valid for one year from date of sign up.

  • This plan is non-refundable under any circumstance.

  • This plan is only good at this Southern Charm Dental location and no other dental clinic.

  • This plan is non-transferable and does not allow individuals or family members to substitute each other.

  • Rates and fees are subject to change annually.

  • This plan is for dental services only.

  • This plan cannot be used for treatment dealing with injury covered under Workman's Compensation and Medical Insurance.

  • Not applicable to fees for specialists or referrals.

  • Benefits cannot be combined with existing dental promotions, coupons, or dental insurance plans.

  • Not applicable for patients with existing dental insurance plans.



New Patient Exam, Basic Cleaning & X-Rays


New Patient Exam & X-Ray


Whitening for New Patients


In-House Whitening w/ Light


Off Invisalign


Take-Home Whitening After Full Exam, Cleaning & Treatment

Our Locations

Business hours

Monday 7 AM - 4 PM
Tuesday 10 AM - 7 PM
Wednesday 10 AM - 7 PM
Thursday 10 AM - 7 PM
Friday 10 AM - 7 PM
Saturday 9 AM - 1 PM
Sunday Closed

Business hours

Monday 7 AM - 4 PM
Tuesday 10 AM - 7 PM
Wednesday 10 AM - 7 PM
Thursday 10 AM - 7 PM
Friday 10 AM - 7 PM
Saturday 9 AM - 1 PM
Sunday Closed