Est. 2012
Caring for Austin smiles
Insurance & payment
We verify your benefits before your visit and hand you the number in writing. No surprise bills three weeks later—whether you have insurance or not.
How it works
In-network PPO plans
We file every claim
so you don’t have to.
Luma is in-network with most major PPO carriers. If yours isn’t listed, we’ll still submit the claim for you and you keep the reimbursement.
Accepted carriers
Delta Dental
Cigna
Aetna
MetLife
Guardian
United Concordia
Humana
Principal
Ameritas
Blue Cross Blue Shield of Texas
UnitedHealthcare
Sun Life
Coverage varies by employer group. We confirm your specific plan before you sit down.
No insurance?
Plenty of ways
to make care affordable.
About a third of our patients pay out of pocket. These are the options they use most.
Financing
CareCredit and Sunbit, with 6- and 12-month 0% APR options for qualified patients.
In-house payment plans
For treatment over $500, split the cost across three months at no interest—no credit check.
HSA & FSA
Every service we provide is eligible. We’ll give you an itemized receipt for your records.
Good to know
Billing questions,
answered plainly.
Still unsure? Call (512) 555-0142 and our billing team will walk you through it.
Megan Hart
Billing coordinator · Replies same day
Do you take my insurance?
We’re in-network with most major PPO plans, including Delta Dental, Cigna, Aetna, MetLife and Guardian. If you’re out of network, we still submit the claim and you keep the reimbursement.
Do you accept HMO or Medicaid plans?
When do I pay?
What if my treatment plan changes?
Ready when you are