Your Financial Options
Simple & Flexible Payments For You
A new smile or updated dental treatment is a fantastic and cost-effective investment in your medical and psychological well being. Financial considerations should not be an obstacle to obtaining this important health service. In being sensitive to the fact that different people have different needs in fulfilling their financial obligations, you may find more details on financial options below.
You should be offered options for an attractive smile. In order to help accomplish this, we offer a wide range of financing options that will meet nearly any budget.
You should expect a commitment to providing the most reasonable cost and highest value to our valued patients. Because of this, payment for services is expected to reserve and schedule your care, or we will help you set up a payment plan in advance.
The Most Popular Payment Options Include:
- The Pinecrest Smile Club and VIP Club – great supplements or enhanced replacements for Dental Insurance
- 5% courtesy savings for procedures over $1000
- All Major Credit Cards
- 0% Interest Financing available with several of our partners!
- Long term or lower monthly payment plans
Whichever you choose, your best options will never “BE MORE COMFORTABLE” or “COST LESS” than they will today!
Your Available Payment Plans
We’re pleased to offer our patients CareCredit®, North America’s most popular healthcare payment program. CareCredit is a financial credit resource for healthcare services, including dental care. CareCredit offers a variety of payment plans for healthcare services that are not typically covered by insurance. Plus, you can use your CareCredit card for follow-up appointments. Learn more by visiting CareCredit.com or contacting our friendly team.
Sunbit is one of our favorite payment plan partners. Sunbit offers generous funding for patients with even fairly poor credit scores and their eligibility process is very quick and easy. We are very glad that we can look towards Sunbit to provide payment plans when no other partners will. See how much you qualify by hitting the icon above or call our clinic for a free Financial Consultation.
We’ve partnered with Cherry so you can split big treatment costs into smaller monthly payments. Ask our staff for more information or simply apply through our application link. No hard credit check.
If CareCredit is not your thing, we are pleased to offer our patients with their most similar rival, LendingClub: Patient Solutions. LendingClub application is a very simple, in-office process with instantaneous response. With the same 0% interest rate options as CareCredit and only needing one signature to get everything going, we are sure you’ll find them just as simple as us.
Are you surprised to see them make this list? MACU is a partner that needs no introduction. As a locally known and well established credit union, MACU has partnered with Pinecrest Dental to give you generous funding, no down-payment application, and consistently some of the best rates. We are very pleased to be able to offer their services to our patients.
We offer In-House payment plans! Although our rates are far from being the best, we make up for it with an eligibility system not dependant on your credit score and payment plans with no impact to your credit. We have our own approval system largely based on one’s employment consistency, financial habits, and background check. With all of our partners including ourselves, it is almost guaranteed that we can get you an offer.
Dental Insurance: Why Doesn’t My Plan Pay for This? FAQ’S:
Q: Why doesn’t my insurance cover all the costs for my dental treatment?
A: Dental insurance isn’t really insurance at all. It is a pre-paid benefit, typically provided by an employer, to help employees pay for routine dental treatment. Dental insurance is great for basic coverage such as x-rays, exams, cleanings and some cavity fillings and tooth removal. However, most plans are only designed to cover a portion of the total cost and rarely cover the best quality of care that our patients like you need.
Q: If I always have to pay out-of-pocket, what good is my insurance?
A: Even a benefit that does not cover a large portion of the cost, it will reduce your out-of-pocket expenses. It is very helpful for basic care, such as x-rays, exams, professional cleanings and limited services such as fillings and removal of broken teeth, but it rarely covers the full care most of our patients desire. The great news is we are very experienced and are able to work out financial arrangements or payment plans that work best for you.
Q: If my insurance won’t pay for this treatment, why should I have it done?
A: Don’t let benefits be your sole consideration when you make decisions about dental treatment. People who have lost their teeth often say that they would pay any amount of money to get them back. Your smile, facial attractiveness, ability to chew and enjoy food, overall health, and general sense of well-being are dependent upon your teeth.
Q: Why is there an annual maximum on what my plan will pay?
A: Maximums limit what a carrier has to cover each year. Dental plans are different from medical plans, in that dentistry is needed frequently. Medical emergencies are rare. In the 1960’s dental insurance covered 5 crowns per year, yet today plans usually cover only 1 crown per year.
Q: What should I do if my insurance doesn’t pay for treatment I think should be covered?
A: As your dental professional(s), we will always recommend the best treatment for you, regardless of a specific plan’s benefit. However, we will always provide you with a best estimate prior to starting treatment. Sometimes a plan will pay better if patients send in claims for themselves, or if the Employee Benefits Coordinator where patients work steps in. As a paying client you have more leverage with your insurance company than we do as a provider. We are more than happy to provide you copies of what you need to work directly with your carrier.
Q: But my plan says that my exams and other procedure are covered 100 percent!
A: That 100 percent is usually what the insurance carrier allows as payment toward a procedure, not what dental offices actually charge. However, the allowed payment or “UCR” typically represents a list of payment amounts negotiated between your employer and the insurance company. An employer usually selects a plan with a list of payments that corresponds to its desired premium cost per month. Therefore, there may be a portion not covered by your benefit plan.
We work with ALL major dental insurance plans! Here are just a few we work with regularly, if you’rs is not listed, call now for a complimentary benefits check!
If you’d like more information on the Pinecrest Smile Club, which has a 93% Satisfaction rate by our patients when compared to dental insurance, be sure to ask over the phone.
If You Have Dental Insurance – We welcome it and are very insurance friendly. We will be happy to answer all of your questions and call your insurance provider to verify benefits.
As a courtesy to you, we are happy to bill your insurance company for you and submit your claim.
