Insurance & Finance

At Harrison Family Dentistry, we believe everyone deserves access to a healthy, confident smile. That’s why we make dental care affordable for Chattanooga families with flexible financing solutions, insurance support, and our exclusive in-office discount membership plan for patients without dental insurance.

A Beautiful and Healthy Smile is Within Reach

At Harrison Family Dentistry, we believe paying for dental care should be simple, transparent, and stress-free. Our goal is to make quality dentistry affordable for every patient across the greater Chattanooga area — including families in East Brainerd, Ooltewah, Hixson, Harrison, Georgetown, and Cleveland — whether you have insurance or not. We accept most PPO dental insurance plans, offer flexible financing options, and provide an in-office membership plan for those without coverage. Every treatment plan comes with a clear explanation of costs, so you'll never face surprises. Our friendly team is always happy to answer your questions about insurance, financing, or payment options — helping you choose the solution that best fits your budget and your smile.

Insurance Plans We Accept

We are proud to be in-network with a wide range of dental insurance providers through the GEHA Connection Dental Network, giving our Chattanooga patients access to excellent benefits and reduced out-of-pocket costs. Below is a list of major plans we accept:

  • Delta Dental
  • Blue Cross Blue Shield (BCBS)
  • Aetna PPO / Aetna Dental
  • Cigna DPPO
  • MetLife
  • United Concordia
  • UnitedHealthcare Dental
  • Humana Dental PPO
  • Guardian Life Insurance
  • Principal Financial Group
  • Lincoln Financial
  • GEHA / Connection Dental Federal (FEDVIP)
  • Ameritas (including Physicians Mutual, Reliance Standard)
  • DenteMax (including Beam Dental, Colonial Life, Renaissance Dental, Mutual of Omaha)
  • Medicare Advantage dental plans (many accepted — please call to verify)

A note on Medicaid and TennCare: We are not currently in-network with TennCare or other Medicaid dental plans. If you have TennCare coverage, we'd still love to help — please call us about our affordable membership plan and financing options as alternatives.

Don't see your plan listed? Don't worry — we work with many additional carriers and third-party administrators. Call us at 423.344.3884 and our insurance coordinator Jackie will be happy to verify your specific benefits before your appointment. New to our practice? Visit our New Patients page to learn what to expect at your first visit.

Disclaimer: Insurance benefits vary by employer group and individual plan. We recommend calling your insurance provider or our office prior to your appointment to verify coverage, deductibles, and co-pay amounts. Patients are ultimately responsible for their account balances.

Dental Insurance Made Simple

We accept most PPO dental insurance plans and are in-network with many major providers. Our experienced financial team will file claims and handle paperwork on your behalf, helping you maximize your benefits. While patients are ultimately responsible for their accounts, we make the process simple, clear, and stress-free.

In-Office Discount Membership Plan

No insurance? No problem. Our in-office membership plan makes it easy for patients in Chattanooga to access affordable dental care. For just $323 per year, you'll receive two routine cleanings, exams, and necessary X-rays — plus significant discounts on nearly all other treatments. It's straightforward pricing with no deductibles, no waiting periods, and no annual maximums. Call 423.344.3884 to enroll.

Flexible Dental Financing Options

We understand that the cost of dental treatment can sometimes feel overwhelming. That's why we provide several convenient payment options to fit your budget, including:

- All major credit cards (Visa, MasterCard, Discover, and American Express)
- Affordable monthly payment plans through Cherry Financing — perfect for larger investments like dental implants, same-day crowns, clear aligners, or porcelain veneers.

Cherry offers approval in seconds with no hard credit check, and many patients qualify for 0% APR financing plans. 

Your Chattanooga Dentist for Affordable Smiles

Whether you use dental insurance, financing, or our in-office membership plan, Harrison Family Dentistry is here to help make your dental care affordable for families throughout Chattanooga and the surrounding communities. Our financial coordinator Jackie will review your options, explain your benefits, and create a payment plan that works for you. Ready to get started? Schedule your first visit online or call us at 423.344.3884.

What Our Patients Say About Affordable Care

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"Dr. Henderson was kind and gentle as possible. He politely explained the procedure beforehand and treated me with respect and dignity. His staff was so kind and empathetic and even helped me arrange financing and join a dental plan.”

JamminGeo

Google Review

⭐⭐⭐⭐⭐
"They even have a program to help you save money if you don't have dental insurance. It covers cleanings and discounts on any work you need to have done. If you want a dentist office that truly cares about their patients, this is the place to go."

Jenni C.

Excerpted from Google review

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"Harrison Family Dentistry provides a high performance level of service combined with a dedicated support staff. Don't be 'fooled' by some of the dental chains that are only interested in your money — HFD is committed to their patients."

Steve W.

Local Guide · Google Review

5-Star Reviews from Happy Families in Hixson & Harrison