132 Alexander Rd, Stephenville TXMon to Wed, 9:00 am to 3:30 pm.(254) 965-2777
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Modern dentistry should not be a billing surprise. We verify your benefits before treatment, file claims directly, and offer financing for anything insurance won't cover.

Insurance & Financing in Stephenville, TX

Delta Dental, Cigna, Aetna, BlueCross BlueShield, MetLife, United Healthcare, plus CareCredit and in-house monthly plans for the gap between insurance and the work you need.

Call (254) 965-2777

How we keep billing simple

Pre-treatment verification
Coverage confirmed before you commit
Direct claims filing
We submit; you don't
Written estimates
No procedure starts without a quote
Multiple payment options
Insurance + HSA + CareCredit + in-house

Insurance carriers we work with

Delta Dental

PPO and Premier plans accepted. Direct claims submission. Most preventive care covered at 100%; basic at 80%; major at 50% up to your annual max.

Cigna Dental

Total Cigna DPPO plans accepted. We verify your specific coverage tier before any work begins. CareCredit pairs well for orthodontics and cosmetic.

Aetna

Aetna Dental PPO and DMO plans. We submit claims directly. Note: many DMO plans require referral for specialty work, we coordinate.

Most major PPOs

BlueCross BlueShield, MetLife, United Healthcare, Guardian, Humana, and others. If your plan isn't listed, call, we likely still accept the benefits as out-of-network.

Financing for what insurance doesn't cover

Annual maximums are limited. Implants, full-mouth work, and cosmetic cases routinely exceed what insurance pays. We have three paths to bridge the gap.

CareCredit

Healthcare credit card accepted at most dental practices. 0% APR promotional plans for 6, 12, 18, or 24 months on qualifying balances. Apply online or at our front desk.

In-House Plans

For larger cases, Invisalign, full-arch implants, full-mouth reconstruction. No interest for 12–18 months when 25% is paid at the start of treatment.

HSA / FSA

Pre-tax dollars from your Health Savings Account or Flexible Spending Account. Run the card like any credit card. Significant savings vs paying with after-tax dollars.

What our patients say

4.8 stars · 173+ Google reviews

★★★★★

Verified reviews on Google Business Profile · 173+ patients have left feedback

★★★★★

“I've lived all across the US and Dr. LaDuque and his staff are so thorough and caring, not just about your teeth but your overall health. I really feel like I've found my dentist for life here!”

Gabi S. · Google review

★★★★★

“I'm so thankful for Dr. LaDuque and his wonderful staff! They always take such good care of me and my boys!”

Verified Google review · April 2025

★★★★★

“Very informative. Dr. Stephen was very helpful in explaining everything and laying out a plan that helps both my health and my finances regarding paying for my visits. Staff was very nice and just as helpful.”

Verified Google review · April 2025

★★★★★

“Absolutely love all of the staff here! Everyone is so kind and they seem to genuinely care about their patients. Best dentist around!”

Verified Google review · March 2025

Read All 173+ Google Reviews

Common insurance and financing questions

Which dental insurance plans does Dental Excellence accept?
We are in-network or accept benefits from Delta Dental, Cigna, Aetna, BlueCross BlueShield, MetLife, United Healthcare, Guardian, and most major PPO plans. We file claims directly so you don't have to. Final coverage depends on your specific plan, deductible, and annual maximum, we verify benefits before treatment so there are no surprises.
Do you accept Medicaid or Medicare?
Standard Medicare does not cover routine dental care. We are not currently a Texas Medicaid provider for adults, but we can refer you to local options if Medicaid is your only coverage. Children's Medicaid (CHIP / Texas Children's Medicaid) is accepted at select pediatric dentistry clinics, call us and we'll point you to the right resource.
What if I don't have dental insurance?
We offer transparent, itemized cash pricing on every service plus CareCredit financing with promotional 0% APR periods for qualifying patients. New-patient exam + cleaning + X-rays packages are available at a discount when paid at the time of service.
How does CareCredit work?
CareCredit is a healthcare credit card accepted at most dental, vision, and veterinary practices. You apply online or at our front desk and receive a credit decision in minutes. Promotional plans include 0% APR for 6, 12, 18, or 24 months on qualifying balances. After the promotional period, standard APR (currently 26.99%) applies to remaining balances.
Do you offer in-house payment plans?
Yes. For larger cases (Invisalign, full-arch implants, full-mouth reconstruction) we offer in-house monthly payment plans with no interest for 12 to 18 months when 25% is paid at the start of treatment. We also accept HSA/FSA cards.
Can I use my HSA or FSA?
Absolutely. Health Savings Accounts and Flexible Spending Accounts are pre-tax dollars you can spend on qualifying dental work, exams, cleanings, fillings, crowns, implants, orthodontics, and more. Bring the card to your visit; we run it like any credit card.
What happens if my insurance doesn't cover something we recommended?
We tell you in advance. Before any procedure beyond a standard exam or cleaning, we provide a written treatment estimate that shows what insurance will pay and what your out-of-pocket cost will be. You decide whether to proceed, defer, or stage treatment across calendar years to use multiple annual maximums.

Verify your benefits before your first visit.

Call us with your insurance information and we'll confirm coverage, share an estimate for your first appointment, and walk through any financing you might need.

4.8173+ Google reviews