Financial Options

Insurance & Finance Options

At Middletown Dental Care, we accept most of dental insurance plans offered in our area- Dental PPO, Dental HMO or Dental Indemnity Plan. As a courtesy to our patients we will file claims on your behalf, saving you the time and hassle. Payment of deductibles and co-payments are expected when services are rendered. Understanding dental insurance can be a full time job and is often very tricky. Our insurance specialists are trained to help ensure to maximize your benefits and minimize your out-of-pocket cost

If you are between plans or in the process of obtaining insurance, please call one of our insurance benefit coordinators so that they may assist you with any questions that you have.

The following are just a few of the major dental insurances we are participating with, which means you'll save with lower co-pays. If you do not see your dental insurance listed below, please contact our office.  Regardless of your dental insurance, we can help you with your dental needs. We work with all dental insurance whether in network or out of network. For our of network insurance, we will submit your claims and will follow up with insurance to maximize your benefits. 

AARP Delta Dental

GEHA Dental


American Insurance Administrators



Highmark Blue Cross Blue Sheild of Delaware

Blue Cross Blue Shield

Humana Dental

Independence Administrators

Integra Admin Group

Careington Dental Network

Lincoln Financial Group

Cigna Dental

Met Life

Connection Dental Network

Metlife Tricare


Reliance Standard Life Insurance Company


Delta Dental PPO (all states)

Delta Dental of Tricare Retiree

Sun Life Dental Benefits+

Teamcare Humana Dental

FEP Blue Cross Blue Shield of Delaware

United Concordia

United Health Care



With many major employers in the Dover, Delaware area, we have come to specialize in helping patients understand and use their benefits. Since we have so many patients from these employers, we have built an easy way for you to take advantage of the benefits available to you. 

Here is a list of some of the employers that we have become very familiar with their plans:

State of DelawareDover Post
Dover Air Force BaseIndependent Newspapers, Inc
Bayhealth-Kent General & Milford Memorial HospitalsSheraton Dover Hotel
Dover Downs, Inc.ILC Dover, Inc.
Delaware State UniversityPerdue Farms
Energizer-Playtex ProductsWalmart
Kraft FoodsL.D. Caulk Dentsply Intl. Inc
Comcast CableEagle Group - Metal Masters
Delaware Technical & Community CollegeHanover Foods
Procter & GambleMidway Slots
WalmartPepsi-Cola Bottling
Wesley CollegeCapital School District
Sam’s ClubLake Forest School District
Hirsh IndustriesPolytech School District
Silver Lake Center Genesis EldercareSmyrna School District
Sears, Roebuck & Co.City Of Dover
Boscov’s Department StoreCity of Milford
Chesapeake UtilitiesTown Of Smyrna
TargetKent Count
J.C. Penney Co., Inc.

No insurance- If you do not have dental insurance, do not worry. You shouldn’t be paying higher rate than dental insurance rate because you do not have dental insurance. Our office makes your dental care very affordable. Please call our office to find out our discount program for non insured patients.  


Our goal at American Dental Care is to make dental care affordable to each and every one of our patients. We understand that paying for dental concern for many people. That's why we offer a variety of financial options, including Care Credit. They offer no-interest and long-term payment options. Care credit approval  application is very simple, call them or visit their website . Within few minutes you will know whether they have approved your application or not.  You can start using Care credit even before you receive your card in mail. If you have further questions about Care Credit feel free to contact us. 

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