Paying for treatment

Most patients pay the balance their insurance does not cover on the day, and a deposit is taken at booking for surgical appointments. For larger treatment plans there are third-party payment plans through CareCredit, Cherry and Sunbit, and a practice membership plan for patients without dental insurance. We tell you the estimated number before you book, not after treatment.

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Payment options

Terms, rates and eligibility are set by each provider and published by them. We do not quote their terms, because they change and we would be quoting them wrong.

Pay on the day

Card, debit or bank transfer for the balance after insurance. The estimate you were given at booking is what you will see, unless the clinical findings changed what was done.

Third-party payment plans

CareCredit, Cherry and Sunbit each run their own application, usually with a decision in a few minutes and no effect on your credit to check. You apply directly with them; we do not hold the agreement.

The membership plan

For patients without dental insurance. An annual fee covers a set of included services and a reduction on the rest. Ask for the current schedule — we will send it to you in writing rather than publish a number that may be out of date.

Deposits

A deposit is taken at booking for surgical appointments and comes off the balance on the day. It is refundable if you cancel with reasonable notice; the policy is stated when you book, before you pay.

Why there are no prices on this page

Florida requires any advertised fee to carry a minimum-fee disclaimer, the exact procedure code, and a stated availability window of at least 90 days. Rather than publish a number hedged into uselessness, we give you a real estimate against your own plan through the coverage check.

Questions about paying

What happens if my claim is denied?

We tell you, we tell you why the payer gave, and we appeal where there are grounds — a denial for missing clinical documentation on an impacted third molar is common and frequently overturned. You are not asked to pay the disputed portion while an appeal is open.

Why is the final bill different from the estimate?

An estimate is built from what your plan tells us on the day you ask. It can move if your deductible position changed, if the payer applies a frequency limitation we were not told about, or if the surgeon found something that changed what was done. That caveat is attached to every estimate we give.

Can I split payment across two plans?

Yes, and for oral surgery it is often the right answer. Where medical is primary and dental picks up the surgical extraction codes, both are billed. That is precisely what running two eligibility checks is for.

Do you offer payment plans directly?

Not in-house. Arrangements are through CareCredit, Cherry or Sunbit, which means the terms are theirs, they are regulated as consumer credit, and you can compare them against anything else you have.

What if I cannot afford the treatment plan?

Say so. There is often a sequence that spreads treatment over a longer period, or a more limited option that addresses the immediate problem. That is a conversation worth having before you decline treatment rather than after.