Affording care without insurance.
Roughly half of UNO patients are out-of-network or uninsured. Here's how the math actually works for them.
1. GleamBar membership.
$99.99/mo billed biannually ($599.94 every 6 months) or annually ($1,199.88 once). Includes unlimited cleanings, exams, X-rays, plus Philips Zoom in-office whitening. For preventive care, it's roughly half the cost of paying as you go.
2. CareCredit.
0% APR for 6, 12, 18, or 24 months on dental treatment. Apply at carecredit.com. Instant approval. Use for restorative or cosmetic work.
3. HFD Patient Payment Plans.
Fixed monthly payments up to 60 months. Better for larger cases. Apply at hfd.uno.dental.
4. HSA / FSA.
Pre-tax dollars work for almost all dental work. The cosmetic-only line items are excluded. We itemize so you can use your funds correctly.
Common questions.
Is the GleamBar membership cheaper than insurance?
For preventive-only patients with no other dental needs, GleamBar is usually cheaper than a standalone PPO plan.
Can I have insurance AND GleamBar?
Yes — patients with PPO often use insurance for major restorative and GleamBar for whitening + premium preventive.
What if I can't afford anything right now?
Tell us. We'll help you triage what's urgent versus what can wait, and write a phased plan.
Care that fits a budget?
A 15-minute call with our front desk will outline the options for your specific situation.
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