Dental care at Inova Dental Clinic in Sterling is built to fit real budgets: we accept Virginia Medicaid, Cardinal Care, Smiles For Children, and most major insurance, plus CareCredit and payment plans — and a $29 new-patient exam with digital X-rays if you have no insurance at all.
Cost should never be the reason you put off the care your smile needs. At Inova Dental Clinic, Dr. Mahnaz Jafari, DDS — a West Virginia University-trained dentist with more than 25 years of experience — and our team treat every budget question the same way we treat every patient: with honesty, no judgment, and a plan you can actually afford. Here is exactly how financing and no-insurance options work in our Sterling office.
What if I do not have dental insurance?
You are still welcome here, and you still have good options. For patients without insurance, we offer a $29 new-patient exam and digital X-rays — a low, transparent way to get a full picture of your dental health before you commit to anything. From there, Dr. Jafari walks you through what she sees, what is urgent versus what can wait, and what each option would cost, so there are no surprises.
Most treatment costs are quoted as a range up front, and we are happy to phase care over time so you can address the most important issues first and budget for the rest. Many of our Sterling, Ashburn, and Leesburg neighbors started exactly this way.
Does Inova Dental accept Medicaid in Sterling, VA?
Yes. We are proud to accept Virginia Medicaid, Cardinal Care, Smiles For Children (DMAS), and FAMIS, for both children and adults. The Cardinal Care adult dental benefit now covers many routine and medically necessary services, and we verify your specific coverage before any treatment begins.
If you are not sure what your plan covers, that is completely normal — bring your member ID and we will check it for you. For full details on what Medicaid covers and how to get started, visit our Medicaid dentist in Sterling, VA page.
What dental insurance do you take?
We accept most major dental insurance plans and file claims on your behalf so you do not have to chase paperwork. Whether you have a PPO through your employer or coverage through a spouse, our front-desk team will confirm your benefits, estimate your out-of-pocket portion, and explain it in plain language before you sit in the chair.
- We verify your coverage and remaining annual benefits before treatment.
- We give you a written estimate of what insurance is expected to cover and what you would owe.
- We help you make the most of benefits before they reset at year-end.
What are my financing and payment plan options?
For care that goes beyond what insurance covers — or for patients paying out of pocket — we offer flexible ways to spread the cost:
- CareCredit: a healthcare credit line with low-monthly-payment and interest-free plan options (subject to approval) that lets you start treatment now and pay over time.
- In-house payment arrangements: for many treatment plans we can break the cost into manageable installments so you are not paying everything at once.
- Phased treatment: when it is clinically safe to do so, we sequence your care so you can handle the most urgent needs first and budget the rest.
One patient shared via Google: “10/10 would recommend. They explained pricing details and gave me a detailed analysis of my teeth and gum health — many other offices don’t do that.” Clear pricing is something we take seriously.
Will I know the cost before treatment starts?
Always. We believe in reviewing your coverage and giving you a clear estimate before treatment — never after. Before we begin any significant work, you will know what your insurance or Medicaid is expected to pay, what your portion is, and what financing options are available. If something changes mid-treatment, we pause and talk with you first.
This is the same transparency our patients notice. As one wrote via Google: “Because of my fear of the dentist I never thought I’d say this, but I had the BEST experience. I called for an emergency and they got back to me right away.”
Ready to get started without the guesswork?
Whether you have full insurance, Virginia Medicaid, or no coverage at all, there is a path to care here — including same-day and Saturday appointments for busy families across Sterling, Ashburn, Leesburg, Dulles, and Loudoun County. Our team speaks Farsi/Persian and English, and everyone is welcome.
Book your new-patient visit or call (703) 433-1400. We will help you understand your options before you ever sit in the chair.
Frequently asked questions about dental financing in Sterling, VA
Do you offer a low-cost exam if I do not have insurance?
Does Inova Dental accept Virginia Medicaid and Cardinal Care?
What payment plans or financing do you offer?
Will I know the cost before treatment starts?
Do you take most major dental insurance plans?
“You’ll always know what we recommend, why, and what it costs — before anything begins. No pressure, no surprises.”
What to expect
A clear exam, honest options, and a written estimate before any treatment begins — at your pace, in English or Farsi.
Coverage & cost
We accept Medicaid, Cardinal Care, and most major insurance, verify your benefits up front, and offer financing.
Gentle aftercare
Simple, personalized instructions and an open line to the office — we’re here if a question comes up after your visit.