Financing

Flexible Payment Solutions That Work for Your Budget

Dental care is an investment, and we understand that the cost of treatment is a real concern for many patients. Whether you’re looking at a routine procedure or a more involved restorative or cosmetic case, the question of how to pay for it shouldn’t be what holds you back. At Precision Cosmetic & Family Dentistry, we offer several financing options to suit different budgets and situations, so patients throughout New Smyrna Beach can move forward with the care they need on terms that make sense for them.

Financing Information

Payment Options at Precision Cosmetic & Family Dentistry

We work with two third-party financing partners, CareCredit and Cherry, to give patients flexible ways to break treatment costs into manageable monthly payments. Both are widely used in dental practices and offer a straightforward application process that can be completed the same day as your appointment. For patients without traditional dental insurance, our in-house membership plan is another option worth considering.

Cherry is a newer addition to our practice and offers 0% financing for up to 24 months, making it a strong option for patients planning more significant treatment. CareCredit is one of the most established healthcare financing companies available and is accepted at a broad network of providers, giving patients flexibility beyond just our office. Both options allow you to start treatment now without waiting until you’ve saved the full amount out of pocket.

Here’s a summary of what we currently offer:

• CareCredit: third-party healthcare financing with flexible payment plans
• Cherry: 0% financing available for up to 24 months
• In-house membership plan: $299/year covering exams, x-rays, and healthy mouth cleanings, plus 20% off all additional treatment

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.

Process

Getting financing in place is simpler than most patients expect. Here’s what the process typically looks like from start to finish.

Talk to Our Team

Before your appointment, or at the time of your consultation, just let our front desk team know you’d like to explore financing. We can walk you through which options may be the best fit based on your treatment plan and timeline.

Choose Your Financing Option

Our team will explain the key differences between each option so you can make an informed decision. Cherry’s 0% financing over 24 months tends to be a strong fit for larger treatment plans, while CareCredit offers well-established flexibility for a range of procedures.

Complete Your Application

The application process is quick and typically doesn’t require a lengthy review period. You’ll know where you stand before leaving the office, so there’s no waiting around to find out if you’re approved before moving forward with treatment.

Begin Your Treatment

With your payment plan set, you can focus on your care rather than the cost. Our team will confirm your first payment details and make sure you understand your plan before your treatment begins.

Understanding Your Options Without Insurance

Financing and membership plans for patients without traditional dental coverage

Not having dental insurance is more common than you might think, and it doesn’t have to mean delaying care or going without. Many of our New Smyrna Beach patients who aren’t covered by a traditional dental plan use a combination of Cherry or CareCredit financing and our in-house membership to keep their care both 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 patients considering more involved dental procedures such as dental implants, same-day crowns, or cosmetic treatment, financing through Cherry or CareCredit makes it possible to move forward without having to wait until you can cover the full cost upfront. Breaking a larger treatment plan into monthly payments is often the most practical way to get started, and both of our financing partners are designed with that in mind.

It’s also worth knowing that being out of network with a dental insurance plan doesn’t automatically mean you’re on your own financially. Many PPO plans reimburse a portion of out-of-network treatment, so if you carry insurance but 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 think through your situation and find the combination of options that works best for you.

Frequently Asked Questions

Questions about financing are among the most common we hear from new patients, and we want to make sure you have clear answers before your appointment.

Is there a minimum treatment amount required to use financing?

There is no minimum set by our practice to use CareCredit or Cherry. Both financing 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. If you have questions in advance, feel free to reach out to our team before your appointment.