Do Dentists Offer Payment Plans?

This blog explains how dental payment plans work, when they are commonly used, and what options are available at our Bloomington office.

Why Dental Offices Offer Payment Plans

Dental care is often needed sooner rather than later. Tooth decay, gum disease, and damaged teeth do not improve on their own and usually become more complex over time.

Payment plans help patients:

• Address dental issues earlier
• Avoid higher costs caused by delayed treatment
• Plan dental expenses in predictable monthly amounts

For many families, payment plans reduce financial stress while allowing necessary care to move forward.

How Delaying Dental Care Can Increase Costs

Dental problems typically progress if left untreated. A small issue today can turn into a much larger procedure later.

Here is a common example:

Early cavity
Treatment: Filling
Estimated cost: $150–$300

Deeper decay
Treatment: Crown
Estimated cost: $1,000–$1,500

Infection
Treatment: Root canal and crown
Estimated cost: $2,500–$3,500

Tooth loss
Treatment: Extraction with implant or bridge
Estimated cost: $4,000–$6,000 or more

Payment plans allow patients to address problems earlier, often preventing more extensive treatment.

Dental Payment Plan Options at Oxboro Family Dental

Our office offers multiple ways to help patients manage treatment costs. All options are reviewed clearly before treatment begins.

CareCredit

CareCredit is a healthcare financing option commonly used for dental treatment.

• Monthly payment plans
• Promotional interest-free options when paid in full on time
• Can be used for many types of dental care

Our team can help patients understand how CareCredit works and assist with payments when needed.

Cherry Financing

We also work with Cherry, a financing option designed for healthcare services.

• Simple monthly payments
• Quick application process
• No hard credit check to apply

Patients can choose between Cherry and CareCredit based on their preferences and needs.

AutoPay Options

For patients who prefer consistent monthly payments, AutoPay is available. AutoPay allows payments to be processed automatically, helping patients stay on schedule without tracking due dates.

Using Dental Insurance With Payment Plans

Dental insurance can help lower out-of-pocket costs for many treatments. Before starting care, our team reviews insurance benefits and explains coverage and estimated patient responsibility.

For patients without insurance or with high deductibles, payment plans can help make treatment more manageable.

Common Questions About Dental Payment Plans

Do dentists offer payment plans for all treatments?

Payment plans are most commonly used for larger or unexpected treatments. Availability depends on the procedure and financing provider.

Will applying for a dental payment plan affect my credit score?

Many financing options begin with a soft credit check, which does not affect credit scores. A full application may include a standard credit inquiry.

Can HSA or FSA funds be used for dental care?

Yes. Many dental treatments qualify for HSA and FSA use, including fillings, crowns, and other restorative procedures.

A Clear and Practical Approach to Dental Costs

At Oxboro Family Dental, conversations about cost are part of the treatment process. Patients receive clear explanations of recommended care, estimated costs, insurance benefits, and payment options before treatment begins.

Our goal is to help patients make informed decisions about their dental health without added pressure.

We serve patients in Bloomington and nearby communities, including Richfield and Edina.

Address: 9848 Lyndale Ave S., Bloomington, MN 55420
Phone: 952-888-3161

If you have questions about dental payment plans or insurance, our team is happy to help explain your options.