At Calvert Smiles, we make every effort to make your entire experience with us as convenient as possible. We offer several financial options to work with your budget so that you can receive the treatments your need.

cc logosCash, Checks and Credit Cards
We accept cash, check and major credit cards, including American Express, Discover®, MasterCard® and Visa®.


Health Savings Account Funds
We accept HSA funds for our dental services.


Healthcare Financing
Our office participates with several healthcare financing companies that provide no- or low-interest financing options. Our finance coordinator will be happy to work with you to determine which plan and terms are right for you. The third-party financing groups we work with include:

  • CareCredit
  • Citi® Health Card
  • Wells Fargo Health Advantage®


citi logo
wells fargo logo

Please bring your insurance information with you when you come in for your appointment. Our team will check your benefits and help you maximize them for your treatments. We will also file claims on your behalf and help you work out the balance of payment for anything not covered by your insurance.

We are in network with the following insurance providers:

  • Aetna™ PPO
  • Alliance PPO
  • Assurant
  • BlueCross® BlueShield® PPO
  • Cigna® PPO
  • Delta Dental®
  • Denex PPO
  • Dentalquest PPO
  • Dominion Dental
  • Guardian PPO
  • MetLife® DPPO
  • OneNet PPO
  • United Concordia® PPO
  • UnitedHealthcare®


If you do not see your insurance provider listed here, please contact our office. We will be happy to verify if we accept your insurance coverage.

In-Office Dental Discount Plan
We offer an in-office dental plan for patients without insurance. For one low annual fee, you can receive the care you need at a significantly discounted rate. Please contact our office for more information.

If you have any questions about our financial options or if you want to set up an appointment with our dentists in Dunkirk, Maryland, please call our office at 410-257-7200. Our team will be happy to provide you with more information and help you schedule a visit with Dr. Gena Schultheis and associates.