Dental Membership Plan and Financing in Naples, FL
No dental insurance? You're covered. Our in-house membership plan costs $9.99 a month (plus a one-time $199 sign-up fee), gives you $0 exams and X-rays, 30% off cleanings and up to 30% off other procedures, with CareCredit and Cherry monthly payments for larger care.
5.0 stars on Google · Text us anytime, we reply 24/7 · Open 7 days, including holidays
The Lumeria Dental Membership Plan: Dental Care Without Insurance
Plenty of people in Naples don't have dental insurance. Maybe you're self-employed, retired, between jobs, or just tired of paying premiums for coverage that barely helps. Our membership plan was built for you.
For $9.99 a month (plus a one-time $199 sign-up fee), you get:
$0 exams. Regular checkups with Dr. Kristina Taranov are part of your plan.
$0 X-rays. The images we need to see what's happening below the surface.
30% off cleanings. Including deep cleanings.
Up to 30% reduced fees on other procedures. Savings on the care you choose at Lumeria Dental.
No long-term commitment. Cancel anytime.
No insurance needed. It is not insurance, so there is no insurance company between you and your care.
It's simple. You pay a one-time sign-up fee and one low monthly fee directly to our practice, and you get care and savings directly from us. No middleman.
Who the Membership Plan Is For
The plan is a strong fit if you:
Don't have dental insurance and want routine care at a predictable cost
Are self-employed, a small business owner, or a contractor
Are retired and your medical plan doesn't cover dental
Recently moved to Naples, Bonita Springs, Estero or Marco Island and need a new dentist
Have insurance with a low annual maximum and want to stretch your budget further
Are planning cosmetic work like veneers, teeth whitening or Invisalign and want to save on treatment
How to Join the Membership Plan
Joining takes a text. Here's how it works:
Text BOOK to (239) 737-3137. Our team replies 24/7, so you can text at night or on the weekend.
Tell us you want the membership plan. We'll answer your questions and get you signed up.
Book your first visit. Pick a time that works. We're open Monday to Friday 8 AM to 7 PM and Saturday and Sunday 9 AM to 3 PM.
Start saving. Your exam and X-rays are $0, and your member savings apply to cleanings and other treatment.
New to our office? See what to expect on our new patients page.
Membership Plan vs Dental Insurance
Insurance and our membership plan solve different problems. Here's how they compare.
Dental insurance
Monthly premiums paid to an insurance company
Deductibles to meet before coverage starts
Annual maximums that cap what the plan pays each year
Waiting periods and pre-approvals on some treatments
Coverage decisions made by the insurer, not your dentist
Lumeria Dental membership plan
$9.99 a month (plus a one-time $199 sign-up fee), paid directly to our practice
$0 exams and X-rays
30% off cleanings, including deep cleanings
Up to 30% reduced fees on other procedures
No long-term commitment, cancel anytime
Your care decisions stay between you and Dr. Taranov
If you have insurance, we work with it. If you don't, the membership plan is the easiest way to get regular care in Naples without paying insurance premiums.
CareCredit and Cherry: Monthly Payments for Larger Treatment
Some treatment is a bigger investment. Dental implants, crowns and smile makeovers can be life-changing, and you shouldn't have to put them off. That's why Lumeria Dental accepts CareCredit and Cherry, two well-known patient financing options.
How patient financing works
Patient financing lets you split the cost of treatment into monthly payments instead of paying everything at once. You apply with the lender, the lender reviews your application, and if approved, you pay the lender over time while you get your treatment done now.
Approval decisions, interest rates and payment terms are set by the lender, not by our office. The lender will show you your options and terms before you accept anything, so you can decide what fits your budget.
CareCredit
CareCredit is a health care credit card accepted at many dental offices. If you already have a CareCredit account, you may be able to use it at Lumeria Dental. If you don't, you can apply and review the terms offered to you.
Cherry
Cherry is a payment plan option designed for patients who want to break treatment into monthly installments. Our team can help you get started and answer questions about the process.
Steps to use financing
Get your treatment plan. Dr. Taranov explains what you need and the cost before anything begins.
Choose your option. Pay directly, use your membership savings, apply for CareCredit or Cherry, or combine them.
Apply with the lender. The lender reviews your application and shows you the terms you qualify for.
Start treatment. Once your payment plan is set, we book your visit and get started.
Have Dental Insurance? We'll Check Your Benefits
We accept most PPO dental plans. Bring your insurance card or text us your plan details, and we'll verify your benefits and tell you what your plan is likely to cover before treatment starts. We also submit claims for you as a courtesy, and we see patients out of network too. No surprises. If your insurance leaves a gap, CareCredit and Cherry can help cover the rest over time.
Why Patients Choose Lumeria Dental
Clear pricing before treatment. You see your plan and your cost before we start. Always.
Text-first, 24/7. Ask a question about payment at 10 PM and get an answer.
Open 7 days and on holidays. Care that works around your schedule.
Dr. Kristina Taranov, DDS. VCU School of Dentistry graduate with honors, selected for the advanced CAD/CAM program, and served as a teaching assistant in advanced restorative and digital dentistry. Meet Dr. Taranov.
5.0 stars on Google.
Multilingual team. We speak English, Spanish, Russian, Ukrainian and Hungarian.
We welcome patients from Old Naples, Park Shore, Pelican Bay, North Naples, Bonita Springs, Estero and Marco Island. Our office is in the Brennan Building at 730 Goodlette-Frank Rd N, Suite 206.
Frequently Asked Questions
How much is the Lumeria Dental membership plan?
The membership plan is $9.99 per month (plus a one-time $199 sign-up fee), with no long-term commitment. You get $0 exams and X-rays, 30% off cleanings and up to 30% off other procedures. No insurance is needed to join. Text BOOK to (239) 737-3137 to sign up.
Can I see a dentist in Naples without insurance?
Yes. At Lumeria Dental you can join our in-house membership plan, pay directly, or use CareCredit or Cherry monthly payments. You'll always see your treatment plan and cost before any work begins, so you can choose what fits your budget.
What does the dental membership plan include?
You get $0 exams and X-rays, 30% off cleanings (including deep cleanings) and up to 30% reduced fees on other procedures. You can cancel anytime. Text us to ask how your savings apply to the specific care you need, from fillings and crowns to cosmetic treatment like veneers and whitening.
Is a dental membership plan the same as dental insurance?
No. A membership plan is an agreement directly with our practice, not an insurance policy. You pay a one-time sign-up fee and a low monthly fee and get $0 exams and X-rays plus savings, with no insurance company approvals in the way.
Does Lumeria Dental accept CareCredit?
Yes. Lumeria Dental accepts CareCredit. If you already have a CareCredit account, you may be able to use it for treatment here. If not, you can apply and review the terms the lender offers you before you accept.
Does Lumeria Dental offer Cherry payment plans?
Yes. Cherry is available for patients who want to split treatment into monthly payments. Approval and terms are decided by Cherry. Our team can help you get started and answer your questions.
Will applying for dental financing affect my credit?
That depends on the lender and the type of application. CareCredit and Cherry each explain how their application works before you submit it. Ask us if you'd like help understanding your options.
Do you take dental insurance?
Yes. We accept most PPO dental plans, verify your benefits before treatment and submit claims as a courtesy. We also see patients out of network. We'll explain what your plan is likely to cover and what's left, and you can use CareCredit or Cherry for any remaining balance.
Join the Lumeria Dental Membership Plan Today
Text BOOK to (239) 737-3137 and our team will sign you up, answer your questions, and book your first visit. We reply 24/7.
Our office is in the Brennan Building at 730 Goodlette-Frank Rd N, Suite 206, just minutes from downtown Naples. We welcome patients from Old Naples, Park Shore, Pelican Bay, North Naples, Bonita Springs, Estero and Marco Island.
Hours: Monday to Friday 8 AM to 7 PM, Saturday and Sunday 9 AM to 3 PM.
Visit Lumeria Dental in Naples, FL
Emergency, cosmetic and general dentistry plus Botox in Naples, FL. Open 7 days, text us 24/7 at (239) 737-3137.
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730 Goodlette-Frank Rd N, Suite 206, Naples, FL 34102
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