Insurance & Financing
Dental care investments? If you ask us, we think it’s an excellent investment for an individual’s medical and psychological well-being! While there are many options and considerations to weigh when thinking about dental treatment, we don’t believe cost should be one of them when receiving the dental care and smile you deserve.
We understand that each patient’s financial situation is different, which is why we take pride in providing a variety of convenient and competitive pricing to ensure your customized dental procedures come with the right budget. Our financial coordinator works with each and every patient to maximize dental insurance benefits and find affordable dental financing plans that won’t break the bank.
Don’t let dental financing concerns stop you from getting the oral health care your smile deserves. We encourage you to contact our office today to learn about your affordability options and financing.
We accept the following:
- Cash
- Check
- Credit Card
- Dental Insurances
- Third-Party Financing
Insurance & Financing
Dental Insurance
We proudly accept most major PPO insurance plans to help reduce your out-of-pocket costs. We are in-network with leading providers including Aetna, Blue Cross Blue Shield, Cigna, Delta Dental, and Careington, and also work with many out-of-network PPO plans.
Our experienced insurance coordinator will help you understand your benefits, submit claims on your behalf, and work to maximize your coverage for the treatments you need. Every patient’s insurance plan is different, and we take the time to explain what is covered and what to expect — so there are no surprise bills and no confusion about costs. We’re here to make the process smooth, transparent, and patient-friendly.
Lending Club
Recognized by Inc. magazine, The New York Times and more than 3 million members, LendingClub has refined its process to make affordable dentistry simple. Apply from your phone within minutes, select the rate, term and payment options that fit your budget, and send cash directly to your account for a lower APR. Visit www.lendingclub.com or call 888-596-3157 for more information.
Proceed Finance
Patients with low credit scores can receive affordable, no-collateral loans up to $60,000 with flexible terms up to 96 months at fair, fixed rates. Visit www.proceedfinance.com or call 844-272-7587 for more information.
Cherry Financing
Cherry offers quick, simple payment plans that make dental care more affordable—no hard credit checks and instant approval decisions. Patients can split treatment costs into easy monthly payments with flexible terms and no hidden fees. Visit www.withcherry.com or call (888) 839-7171 for more information.
Sunbit
Sunbit makes it easy to say yes to dental treatment by offering fast, simple, and stress-free financing. With an approval process that takes just 30 seconds, over 85% of patients are approved — without a hard credit check. Sunbit offers flexible payment plans with no late fees, penalties, or hidden costs, making it a popular choice for everyday procedures and larger treatments alike.
Patients can break up their payments into affordable installments, choosing the plan that works best for their budget. Whether you’re looking to finance cosmetic care or essential dental work, Sunbit helps make treatment more accessible.
To learn more, visit www.sunbit.com or ask our team how to apply during your visit.
Affirm through RepeatMD
We offer Affirm financing through the RepeatMD app to help make your dental care more manageable and stress-free. With a quick, simple application process, eligible patients can choose flexible monthly payment options with clear terms and no hidden fees. Approval decisions are fast, allowing you to move forward with treatment confidently and on a schedule that fits your budget.
To learn more or get started, ask our team about using Affirm through RepeatMD during your visit.
CareCredit
As a healthcare credit card that helps make dental treatments more affordable, CareCredit is a popular option for our patients. CareCredit dental can be used to pay for cosmetic treatments and procedures not covered by dental insurance. With the CareCredit card, patients are eligible for short term payments that are interest free. For lengthier treatments that may be more costly, CareCredit offers affordable fixed monthly payments for your dental financing needs with low interest rates to fit your budget. Visit www.carecredit.com or call 1-800-677-0718 for more information.
iCredit Works
Offering multiple options to your loan, iCredit Works helps us create affordable dentistry for you. Whether you are needing a third-party option to help with dental implant financing or cosmetic dentistry, iCredit Works has low interest rates and low yearly terms. Your loan is customizable to fit your dental care needs and doesn’t require extra fees.
Alpheon
With flexible financing designed specifically for healthcare, Alphaeon Credit helps us make high-quality dentistry more affordable for you. Whether you’re considering dental implants, cosmetic dentistry, or other advanced treatments, Alphaeon offers a variety of lending options with competitive rates and convenient terms. Your line of credit is easy to use, customizable to your needs, and comes with no hidden fees—so you can get the care you want, when you need it.
FAQ
1. Do you accept dental insurance for major treatments like implants, crowns, or dentures?
Yes. We accept most major PPO dental insurance plans, including Aetna, Cigna, Delta Dental, Blue Cross Blue Shield, Careington, and many out-of-network PPO plans. Coverage varies by procedure, so our insurance coordinator will review your benefits, explain what is covered, and help maximize your reimbursement — especially for larger restorative or implant treatments.
2. What if I don’t have dental insurance? Can I still get treatment?
Absolutely. Many of our patients choose financing instead of relying on insurance. We offer multiple third-party financing options such as CareCredit, Sunbit, Cherry, LendingClub, Proceed Finance, Alphaeon, and iCredit Works. These allow you to split treatment costs into affordable monthly payments, often with no hard credit check and flexible terms.
3. Do you offer payment plans for dental implants or full mouth reconstruction?
Yes. We work with several lenders that specialize in implant and full-arch financing, including Proceed Finance and LendingClub. These companies offer high loan limits (up to $60,000) with flexible terms—making it easier to move forward with life-changing dental care. Many patients qualify for low monthly payments, depending on credit.
4. Will applying for financing hurt my credit score?
Not usually. Options such as Sunbit and Cherry perform soft credit checks, which do not impact your credit score. Other lenders, like CareCredit and LendingClub, may perform traditional inquiries depending on the loan type. Our team can help you choose the right application path based on your financial needs.
5. How do I know which financing option is best for me?
It depends on your credit score, treatment cost, and preferred monthly payment range.
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Excellent/Good Credit: CareCredit, Alphaeon, LendingClub
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Fair/Low Credit: Proceed Finance, Sunbit, Cherry
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Flexible lines of credit: iCredit Works, Alphaeon
Our financial coordinator will review all options with you and help tailor a plan that fits your budget with the lowest possible out-of-pocket cost.
6. Can I use financing even if I have dental insurance?
Yes. Many patients combine insurance and financing. Insurance may cover part of your treatment (such as exams, crowns, fillings), while financing helps make the remaining balance more affordable. This is especially helpful for implant dentistry, cosmetic services, and full-mouth rehabilitation, where insurance often provides limited coverage.
7. Will I know the cost before starting treatment?
Always. You will receive a transparent, itemized treatment plan outlining:
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Procedure fees
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Insurance coverage estimates
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Expected out-of-pocket cost
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Monthly payment options
We never begin treatment without reviewing costs, benefits, and available payment plans so you can make confident financial decisions with no surprises.
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