Payment Options

At House of Smiles Pediatric Dentistry & Orthodontics, we believe financial concerns should never prevent your child from receiving quality dental care. We offer a variety of convenient payment options and flexible financing solutions to make dental treatment affordable for every family. Our goal is to work with you to find payment arrangements that fit your budget while ensuring your child receives the care they need.

Accepted Payment Methods

Traditional Payment Options

We accept all major forms of payment to provide maximum convenience for our families:

Cash: Immediate payment with no processing fees
Personal Checks: Accepted with valid identification
Credit Cards: Visa, MasterCard, American Express, and Discover
Debit Cards: All major debit cards accepted
Electronic Bank Transfers: Direct payment from your checking or savings account

Healthcare Accounts

Take advantage of pre-tax dollars for your child’s dental care:

Flexible Spending Accounts (FSA): Use pre-tax dollars for eligible dental treatments
Health Savings Accounts (HSA): High-deductible health plan savings accounts
Health Reimbursement Arrangements (HRA): Employer-funded healthcare accounts

Digital Payment Options

Modern payment solutions for today’s busy families:

Online Payments: Secure online payment portal available 24/7
Mobile App Payments: Pay through our mobile application
Automatic Payments: Set up recurring payments for ongoing treatments
Text-to-Pay: Receive payment links via text message

Insurance and Benefits

Insurance Processing

We work with your insurance provider to maximize your benefits:

Direct Insurance Billing: We file claims on your behalf
Benefits Verification: We verify coverage before treatment
Pre-Authorization: We obtain approval for major treatments
Explanation of Benefits: Clear breakdown of coverage and costs

Insurance Payment Plans

Spread your insurance copayments over time:

Monthly Copayment Plans: Divide large copayments into smaller monthly amounts
Deductible Payment Plans: Spread annual deductibles over several months
Family Maximum Plans: Coordinate payments for multiple family members

Financing Options

CareCredit Healthcare Financing

Our preferred financing partner offers:

No Interest if Paid in Full: 6, 12, 18, or 24-month promotional periods
Extended Payment Plans: Low monthly payments for larger treatments
Quick Approval Process: Apply online or in our office
Same-Day Approval: Get approved and begin treatment immediately
Family Coverage: Use for all family members’ healthcare needs

Third-Party Financing

Additional financing options through trusted partners:

Lending Club Patient Solutions: Competitive rates and flexible terms
Prosper Healthcare Lending: No prepayment penalties
Wells Fargo Health Advantage: Special healthcare financing programs
Alphaeon Credit: Promotional financing for dental treatments

In-House Payment Plans

Flexible payment arrangements directly with our office:

Interest-Free Options: No interest for qualified families
Extended Payment Terms: Up to 12 months for major treatments
Customized Plans: Tailored to your specific financial situation
Family Discounts: Special rates for multiple children

Orthodontic Payment Plans

Comprehensive Orthodontic Financing

Special payment options for orthodontic treatment:

No Down Payment Plans: Begin treatment with no upfront cost
Monthly Payment Programs: Spread treatment costs over 12-30 months
Family Plans: Discounts for multiple children receiving treatment
Flexible Terms: Adjust payments based on your budget

Treatment-Specific Options

Different payment plans for different orthodontic treatments:

Traditional Braces: Monthly payments throughout treatment
Clear Aligners: Payments aligned with aligner delivery
Early Treatment: Shorter payment terms for interceptive care
Comprehensive Treatment: Extended payment options for complex cases

Special Circumstances

Emergency Payment Plans

Urgent dental care shouldn’t wait for financial planning:

Emergency Financing: Quick approval for urgent treatments
Immediate Care Plans: Treatment now, payment arrangements later
Urgent Care Discounts: Reduced fees for emergency situations
Flexible Terms: Extended payment options for unexpected treatments

Financial Hardship Programs

Support for families experiencing financial difficulties:

Sliding Scale Fees: Reduced fees based on income
Payment Deferrals: Temporary payment delays during hardship
Charity Care: Limited assistance for qualifying families
Community Programs: Access to local dental assistance programs

Online Account Management

Patient Portal Features

Manage your payments online with our secure portal:

View Account Balance: Check current balance and payment history
Make Payments: Pay bills online 24/7
Set Up Automatic Payments: Schedule recurring payments
Download Receipts: Access payment records and tax documents
Update Payment Methods: Change payment preferences anytime

Mobile App Convenience

Pay on the go with our mobile application:

Quick Payments: Pay with just a few taps
Payment Reminders: Receive notifications for upcoming payments
Account Alerts: Get notified of account activity
Secure Storage: Save payment methods securely

Payment Policies

Payment Timing

Understanding when payments are due:

Insurance Copayments: Due at time of service
Deductibles: Due before insurance coverage begins
Payment Plans: Monthly payments on scheduled dates
Final Payments: Due upon treatment completion

Late Payment Policies

Clear guidelines for payment expectations:

Grace Period: 10-day grace period for late payments
Late Fees: Minimal fees for overdue accounts
Payment Reminders: Courtesy reminders before late fees
Account Holds: Treatment holds for significantly overdue accounts

Refund Policies

Fair and transparent refund procedures:

Overpayment Refunds: Prompt refunds for overpayments
Treatment Changes: Refunds for cancelled or modified treatments
Insurance Adjustments: Refunds when insurance pays more than expected
Credit Balances: Option to apply credits to future treatments

Cost Estimates and Transparency

Treatment Estimates

Clear pricing information before treatment begins:

Detailed Cost Breakdowns: Itemized estimates for all procedures
Insurance Coverage Estimates: Projected insurance payments
Out-of-Pocket Estimates: Your expected costs after insurance
Payment Plan Options: Monthly payment estimates

No Surprise Billing

Commitment to transparent pricing:

Upfront Estimates: All costs discussed before treatment
Estimate Updates: Revised estimates if treatment changes
Clear Communication: Regular updates on costs and payments
Billing Explanations: Detailed explanations of all charges

Getting Started

Setting Up Payments

Easy steps to establish your payment preferences:

Choose Your Method: Select your preferred payment option
Complete Application: Fill out financing applications if needed
Verify Information: Confirm payment details and terms
Begin Treatment: Start your child’s dental care with confidence

Payment Consultations

Meet with our financial team to discuss options:

No-Obligation Consultations: Free review of payment options
Personalized Recommendations: Options tailored to your situation
Application Assistance: Help with financing applications
Ongoing Support: Continued assistance throughout treatment

Frequently
Asked Questions

What if I can't afford the full treatment cost?

We offer payment plans and financing options to make treatment affordable for every family.

Are there any fees for payment plans?

Many of our payment plans are interest-free, and we clearly disclose any fees upfront.

Can I change my payment method during treatment?

Yes, we can adjust payment arrangements as needed to accommodate your changing circumstances.

What happens if I miss a payment?

We offer a grace period and work with families to resolve payment issues before applying any fees.

Are there discounts for paying in full?

Yes, we offer discounts for full payment at the time of service.