6150 W. Higgins Ave Chicago, IL 60630
Sun Life Financial Dentist in Chicago, IL
Most people don't realize how much their annual dental benefits are worth until they're sitting in the chair — and by then, half the year is already gone. At Smile Era Dental, we help you actually use what you're paying for. Being in-network with Sun Life Financial means your covered visits cost you less, and we handle the claims side so you're not left sorting through paperwork on your own.
When you come in, you'll meet Dr. Josh Philip or Dr. Soumya Thomas — both of whom genuinely enjoy explaining what your plan covers and what to expect at each step. Our front desk team verifies your Sun Life benefits before your appointment, so there are no surprises when you check out. You just focus on the visit. We'll handle the rest.
Smile Era Dental is located at 6150 W Higgins Ave in Chicago, with hours that stretch into the evening on Mondays and early mornings on Thursdays — built around real schedules. Give us a call or book online whenever you're ready.
What Does Your Sun Life Financial Plan Cover?
Sun Life Financial dental PPO plans are typically structured around three tiers of care. Preventive services — things like routine cleanings, exams, and X-rays — are usually covered at the highest level, often at little or no cost to you when you stay in-network. That's intentional. The idea is to make it easy for you to come in regularly so small issues don't become big ones.
Basic restorative care, like fillings, usually falls into a second tier where your plan covers a solid portion and you pay a percentage of the remaining cost. Major work — crowns, root canals, and similar procedures — is typically covered too, though at a lower percentage, and your annual deductible may apply before those benefits kick in. Your plan also has an annual maximum, which is the total your insurance will pay out in a benefit year. Every plan is a little different, so the smartest move is to let us verify your specific Sun Life coverage before your appointment. That way you know exactly where you stand before any treatment starts.
Smile Era Dental Is In-Network with Sun Life Financial
Being in-network means Smile Era Dental has a direct contract with Sun Life Financial. That contract sets the rates for covered services — and because we've agreed to those rates, you're not paying the difference between what we charge and what your insurance allows. You get the full benefit your plan was designed to give you.
Out-of-pocket costs are almost always lower when you stay in-network, and that's exactly what you get here. There's no extra legwork on your end. We bill Sun Life directly, track the claim, and let you know what, if anything, is your responsibility after insurance pays. It's a simpler experience — and a less expensive one.
Why Chicago Patients Choose Smile Era Dental
Dr. Josh Philip and Dr. Soumya Thomas built Smile Era Dental around one straightforward idea: going to the dentist shouldn't feel stressful. They take time with you. They explain what they're seeing, what they're recommending, and why — without pushing you toward treatment you don't need. Patients who came in nervous often leave saying they wish they'd come in sooner.
The practice serves the northwest Chicago community on W Higgins Ave, and the team reflects the neighborhood — diverse, unhurried, and genuinely glad to see you. Whether it's your first cleaning in years or a follow-up after a crown, you'll feel like someone actually knows your name. If you want to get started, call us at (773) 594-0655 or book an appointment online. New patients are always welcome.
Ready to use your Sun Life benefits? Call (773) 594-0655 and we'll get you set up with an appointment that works for your schedule.
Call us: (773) 594-0655
Frequently Asked Questions
Yes, we do! Smile Era Dental is in-network with Sun Life Financial, which is great news for you. Being in-network means we’ve agreed to contracted rates with them, so you’re not paying more than you need to. If you want to confirm your specific plan before coming in, just give us a call at (773) 594-0655 and we’ll look it up for you.
When you see an in-network dentist like us, your insurance pays a negotiated rate — so your out-of-pocket costs are lower. If you go out-of-network, the dentist can charge more than what Sun Life will cover, and you end up paying that gap yourself. Staying in-network is almost always the smarter move for your wallet.
Most Sun Life plans cover preventive care — like cleanings, exams, and X-rays — at a high rate, sometimes fully. Basic services like fillings are usually covered at a solid percentage too. Major work like crowns or root canals typically has some coverage, though your share is higher. Your exact coverage depends on your specific plan, so we’re happy to help you check before your visit.
Yes, in most cases you will. Because Smile Era Dental is in-network with Sun Life in Chicago, we’ve agreed to their fee schedule. That means lower rates for covered services compared to what you’d pay out-of-network. Preventive visits especially tend to cost you very little — sometimes nothing — depending on your plan.
They are! Dr. Josh Philip and Dr. Soumya Thomas are both welcoming new patients at Smile Era Dental, including those with Sun Life coverage. Whether you’re coming in for a routine cleaning or something more involved, we’d love to get you set up. Call us at (773) 594-0655 and we’ll find a time that works for you.
Easy — just call us at (773) 594-0655 and our team will take it from there. If you have your Sun Life insurance card handy, that helps us verify your benefits before you come in. We’ll make sure you know what to expect so there are no surprises. We can’t wait to meet you.