What insurance does Roots Dental accept?

At Roots Dental, we accept most major dental insurance plans, both in-network and out-of-network. Use the insurance checker above or give us a call, and our team will verify your specific benefits before your visit.

Are you in-network with Delta Dental?

Starting November 1st, Roots Dental is going out-of-network with Delta Dental. You can still use your Delta Dental benefits here — we continue to verify your coverage, submit claims, and handle billing on your behalf. The only real difference is a modest increase in your patient portion, and if Delta ever overpays a claim, we refund the difference or apply it as a credit to your account.

Can I still be seen if my insurance is out-of-network?

Yes. Out-of-network insurance can be used with prior approval, and we’ll walk you through what that means for your specific plan before treatment. You’re responsible for any portion your plan doesn’t cover, and we make sure that’s clear upfront.

Do you accept Medicare?

No, we do not accept Medicare. If you have questions about alternative options, our membership savings plan may be a good fit.

Can I use my HSA or FSA for dental treatment?

Yes. Flexible spending accounts (FSAs) and health savings accounts (HSAs) can be used for eligible dental expenses at Roots Dental, letting you pay with pre-tax funds you’ve already set aside.

What if I don't have dental insurance?

We offer an in-house membership savings plan designed for uninsured patients. It includes two cleanings, exams, and routine X-rays with no additional cost, plus discounts on other procedures — no deductibles, waiting periods, annual maximums, or claim denials.

What payment options are available?

Beyond insurance, we accept cash, personal checks, and credit cards, and offer financing through CareCredit and Cherry for patients who want to spread out payments over time.

What happens if my insurance overpays on a claim?

If your insurance pays more than expected on a submitted claim, we don’t keep the difference — we refund it to you directly or apply it as a credit toward future visits, whichever you prefer.

What insurance does Roots Dental accept?

At Roots Dental, we accept most major dental insurance plans, both in-network and out-of-network. Use the insurance checker above or give us a call, and our team will verify your specific benefits before your visit.

Are you in-network with Delta Dental?

Starting November 1st, Roots Dental is going out-of-network with Delta Dental. You can still use your Delta Dental benefits here — we continue to verify your coverage, submit claims, and handle billing on your behalf. The only real difference is a modest increase in your patient portion, and if Delta ever overpays a claim, we refund the difference or apply it as a credit to your account.

Can I still be seen if my insurance is out-of-network?

Yes. Out-of-network insurance can be used with prior approval, and we’ll walk you through what that means for your specific plan before treatment. You’re responsible for any portion your plan doesn’t cover, and we make sure that’s clear upfront.

Do you accept Medicare?

No, we do not accept Medicare. If you have questions about alternative options, our membership savings plan may be a good fit.

Can I use my HSA or FSA for dental treatment?

Yes. Flexible spending accounts (FSAs) and health savings accounts (HSAs) can be used for eligible dental expenses at Roots Dental, letting you pay with pre-tax funds you’ve already set aside.

What if I don't have dental insurance?

We offer an in-house membership savings plan designed for uninsured patients. It includes two cleanings, exams, and routine X-rays with no additional cost, plus discounts on other procedures — no deductibles, waiting periods, annual maximums, or claim denials.

What payment options are available?

Beyond insurance, we accept cash, personal checks, and credit cards, and offer financing through CareCredit and Cherry for patients who want to spread out payments over time.

What happens if my insurance overpays on a claim?

If your insurance pays more than expected on a submitted claim, we don’t keep the difference — we refund it to you directly or apply it as a credit toward future visits, whichever you prefer.

Dental Insurance In Bellingham, WA

Affordable Care for Everyone

We accept all major insurance in or out of network and offer an in-office membership plan for our patients without insurance. We stand behind the idea that available dental care should be for everyone and you can rest assured that we will work with you.

Use Your HSA/FSA for Dental Work!

Flexible spending accounts (FSAs) and health savings accounts (HSAs) let you set aside pre-tax money, sometimes directly from your paycheck, to pay for eligible medical expenses.

Insurance & Worry-Free Billing

Our team takes the time to get to know you. You’re not just a name on a chart to us, you’re a valued member of our dental family. We want to know you and your dental care history. We’ll also take painless digital X-rays and perform a dental exam and cleaning to fully assess your oral health.

Convenient Payment Options

At Roots Dental, we make every effort to accommodate your budget while providing the high level of professional care you expect. In order to do so, we offer many payment options, including:

Check Your Insurance

We bill all insurance. Please call us to check yours during our office hours:

Tue: 9 AM – 5 PM

Wed: 9 AM – 5 PM

Thu: 9 AM – 5 PM

First Name

Last Name

Phone Number

Your Insurer

DISCLAIMER: We do not accept Medicare. Out-of-network insurance may be used with prior approval, and patients are responsible for any costs not covered by their plan.

* By providing a mobile number, I agree that Roots Dental may send me automated appointment and dental marketing messages at the number I provided above. I understand my consent is not required to purchase.

We've partnered with CareCredit to offer monthly financing for

as low as

Downpayment

APR*

Downpayment

***Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.

Let your money go further and take better control of your cash flow when you pay over time in smaller installments with Cherry.

***Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. See withcherry.com/terms for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.

Membership Savings Plan

Are you uninsured? We have you covered! Roots Dental offers two dental memberships to help provide affordable care to our community.

Your plan includes 2 cleanings, exams, and routine X-rays at no additional cost.
Enjoy exclusive discounts off other procedures, like fillings, implants, crowns, and much more.
Your benefits begin immediately and membership runs for 12 months from the date you join.
No deductibles, waiting periods, annual maximums, denials of claims, or pre-approvals.

Out of Pocket

$1,405

Comprehensive Exam

Periodic Exam

Emergency Exam

Roots Saving Plan

New Patient Deal

$67/mo

SAVE $300!

Save 15% off included treatment & up to 20% off all services

Comprehensive Exam

Periodic Exam

Emergency Exam

$90 Off if paid in full
OR $250 Down & 11-month payment plan

Roots Saving Plan

Established Patient Deal

$45/mo

SAVE $456!

Save 15% off included treatment & up to 20% off all services

Comprehensive Exam

Periodic Exam

Emergency Exam

$50 Off if paid in full
OR $250 Down & 11-month payment plan

Affordable Care for Everyone

Use Your HSA/FSA for Dental Work!

Insurance & Worry-Free Billing

Convenient Payment Options

Check Your Insurance

Membership Savings Plan

Out of Pocket

$1,405

Comprehensive Exam

Periodic Exam

Emergency Exam

Roots Saving Plan

$67/mo

Comprehensive Exam

Periodic Exam

Emergency Exam

Roots Saving Plan

$45/mo

Comprehensive Exam

Periodic Exam

Emergency Exam

Frequently Asked Questions