Financing - DeWitt Dental Associates

Affordable Dental Care Flexible Payment Plans

Quality dental care should be accessible to everyone. At DeWitt Dental Associates, we offer multiple financing options to help you receive the treatment you need without financial stress.

We Accept Most Insurance Plans

DeWitt Dental Associates is in-network with most major dental insurance providers. Our knowledgeable team will verify your benefits, file claims on your behalf, and help you maximize your insurance coverage.

We’ll provide you with a detailed treatment estimate before beginning any major work, so you’ll know exactly what your insurance covers and what your out-of-pocket responsibility will be.

Even if we’re not in-network with your specific plan, we’re happy to file out-of-network claims and help you receive any applicable benefits.

Traditional Payment

We accept cash, checks, and all major credit cards including Visa, Mastercard, American Express, and Discover.

Payment Plans

For larger treatment plans, we can arrange convenient monthly payment schedules tailored to your budget.

Third-Party Financing

We partner with CareCredit and other healthcare financing companies offering low- and no-interest options.

CareCredit Healthcare Financing

CareCredit is a healthcare credit card designed specifically for medical and dental expenses. It offers special financing options that can make dental treatment more affordable.

Benefits of CareCredit

Special financing options with no interest if paid in full within promotional period
Can be used for family members and multiple procedures
Quick and easy application process, often with instant approval
Reusable credit line for future dental and medical needs

How It Works

1. Apply: Fill out a simple application online or in our office. Approval decisions are typically instant.

2. Get Approved: Receive your credit limit and choose from available financing options.

3. Begin Treatment: Start your dental care right away without waiting to save up the full amount.

4. Make Payments: Pay over time with manageable monthly payments that fit your budget.

Making the Most of Your Insurance

Maximizing Your Benefits

Most dental insurance plans renew annually with a maximum benefit amount (typically $1,000 -$2,000 per year). These benefits don’t roll over, so it makes sense to use them before year-end. We can help you plan treatment to maximize your benefits across calendar years if needed.

Pre-Treatment Estimates

For any major treatment, we’ll submit a pre-authorization to your insurance company to determine exactly what they’ll cover. This allows you to make informed decisions about your care with no surprises.

Assignment of Benefits

We can accept assignment of benefits, meaning your insurance company pays us directly for covered services. You’re responsible only for your estimated co-payment at the time of service.

Common Insurance Plans We Accept

We’re in-network with Delta Dental, MetLife, Cigna, Aetna, United Healthcare, Guardian, Principal, and many other major carriers. Call our office to verify your specific plan.

Don't Have Insurance? No Problem

We believe everyone deserves access to quality dental care, regardless of insurance status. Our team will work with you to create a treatment plan and payment schedule that fits your budget.

We offer flexible in-house payment plans and can help you explore third-party financing options. Many patients find that our cash/self-pay fees are competitive with or better than insurance co-payments for some procedures.

Financing Questions

Do you offer payment plans for large treatment plans?

Yes. For comprehensive treatment, we can arrange monthly payment schedules tailored to your budget. We’ll discuss payment options during your consultation and create a plan that works for you.

What if my insurance doesn't cover a recommended treatment?

Insurance companies sometimes decline coverage for treatments we feel are necessary. We’ll always provide you with all treatment options and associated costs, and we can help you explore financing alternatives if insurance doesn’t cover your care.

Can I use my FSA or HSA for dental treatment?

Absolutely. Most dental procedures are eligible for Flexible Spending Account (FSA) or Health Savings Account (HSA) reimbursement. We’ll provide detailed receipts for your records.

Do you offer senior or family discounts?

We occasionally offer special promotions. Please call our office to ask about current discounts or package pricing for family members receiving treatment together.

What happens if I need emergency treatment but can't pay?

We never want financial concerns to prevent you from receiving urgent care. Contact our office immediately if you have a dental emergency. We’ll see you right away and work with you on payment arrangements after addressing your immediate needs.

Questions About Payment Options?

Our friendly team is here to help you understand your financing options and create a payment plan that works for your budget.