Payment Options

At Luma Dentistry, we firmly believe that quality dental care should be financially achievable for all of our Central Alabama neighbors.

Dental Payment Options in the Birmingham Area

We accept cash and checks.

We accept Visa, Discover and MasterCard.

We accept most major dental insurance plans.

Get 20% off your services with our Luma Dentistry Plan

We offer 0% financing and flexible payment options through CareCredit


Our team at Luma Dentistry works with you to receive a maximum benefit from your dental insurance.


In order to give our patients the most complete coverage available from their individual policy, we are “in-network providers” for the following insurance companies:

Common Insurance Questions

Do you accept my insurance? While we are in-network with many insurance companies, we will still file with your insurance for you after your care. We believe in helping our patients take full advantage of their insurance benefits, and our front office staff can help answer these questions and explain the processes to you.

Does my insurance policy have a waiting period? Each insurance policy is different. Our team of dental professionals can evaluate your insurance policy and let you know what to expect in terms of coverage timelines and waiting periods.


Additionally, for your convenience, we provide an assignment of benefits service for major dental carriers. Because insurance policies vary greatly, please feel free to call our office for more information regarding your unique policy.

  • Most policies cover exams, x-rays, and cleanings at 100%.
  • Most policies renew in January, however, Southland and others renew in October.
  • The remaining benefits usually do not roll over into the next coverage period.
  • Most dental policies have an annual maximum coverage of $1,000-$1,500.
  • Unused coverage is lost as well when policies roll over into the next coverage period.

5% Discounts on Prepayments and on Special Offers

To better save you money, Luma Dentistry offers a unique discount offer if you elect to prepay for your appointment. Once you have received your treatment plan, at the time of scheduling, simply request to make a prepayment to save you 5% on the overall total.

Your Luma patient coordinator or business associate will accurately calculate your new total with the 5% discount amount included. Hundreds of our patients take advantage of this great offer every year and recommend it often!

We Accept Most Insurances

We believe that everyone should have access to affordable dental care. That’s why we accept most insurances, offer third-party financing, and have our own discount dental plan for those without insurance.

"Luma Dentistry has treated me like family."