Flexible Financing for Your Dental Care
Quality dental treatment should fit your budget. We offer multiple payment paths so cost never stands between you and the care you need.
Whether you’re planning cosmetic work, restorative treatment, or simply want a more predictable way to manage routine care, there’s an option here that may work for your situation.
At Precision Cosmetic & Family Dentistry, we work with two third-party financing partners and offer our own in-house membership plan to give patients throughout New Smyrna Beach flexible ways to pay for treatment.
Getting Started Is Simple
Talk to Our Team
Let our front desk know you’d like to explore financing. We’ll walk you through which options fit your treatment plan and timeline.
Choose Your Option
Cherry’s 0% financing over 24 months suits larger plans. CareCredit offers well-established flexibility. Our membership covers preventive visits for a flat annual fee.
Apply Same Day
Both CareCredit and Cherry applications take minutes. You’ll know where you stand before leaving the office, so there’s no waiting to move forward.
Begin Treatment
With your payment plan set, you can focus on your care rather than the cost. We confirm all details before treatment begins.
Options for Patients Without Traditional Coverage
Not having dental insurance is more common than you might think, and it doesn’t have to mean delaying care. Many of our New Smyrna Beach patients who aren’t covered by a traditional plan use a combination of Cherry or CareCredit financing and our in-house membership to keep care consistent and affordable.
The membership covers your preventive visits for a flat annual fee, and financing handles any treatment needs that come up along the way. For larger procedures like dental implants, same-day crowns, or cosmetic treatment, financing makes it possible to move forward without covering the full cost upfront.
It’s also worth knowing that being out of network with a dental insurance plan doesn’t mean you’re on your own. Many PPO plans reimburse a portion of out-of-network treatment. Our team can help you figure out the best combination of options for your situation.
Combine for maximum value: Pair the $299 membership plan with Cherry or CareCredit financing to cover both preventive and treatment costs at the lowest out-of-pocket rate.
Frequently Asked Questions
Is there a minimum treatment amount required to use financing?
There is no minimum set by our practice to use CareCredit or Cherry. Both options are available for a range of treatment costs, from smaller procedures to more comprehensive care. If you’re unsure whether financing makes sense for your specific treatment, our team is happy to talk through it with you.
Can I use financing and my dental insurance together?
Yes, in many cases patients use both. If your insurance covers a portion of the treatment cost, financing through Cherry or CareCredit can cover the remaining balance, including your estimated co-payment. Our front desk can help you work through the numbers once we know what your plan covers.
How long does it take to get approved for Cherry or CareCredit?
Both applications are designed to be completed quickly, typically the same day as your visit. You won’t need to schedule a separate appointment just to apply. Once approved, your financing is ready to use immediately so your treatment can move forward without delay.
What does the in-house membership plan include?
For $299 per year, the membership covers all exams, X-rays, and healthy mouth cleanings. It also includes a 20% discount on all additional treatment. There are no waiting periods, no annual maximums, and no claim forms to file.
What if my insurance plan is out of network?
Many PPO dental plans still reimburse a portion of treatment at out-of-network rates. If we aren’t listed as a preferred provider on your plan, your benefits may still offset some of the cost. Our team can help you estimate what your plan may cover before you commit to a treatment plan.
Ready to Move Forward With Your Care?
Don’t let cost hold back the treatment you need. Our team will help you find the right payment option for your situation.