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
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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
Dentist exam of young teen girl teeth.Unrecognizable doctor

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
Portrait of a happy patient with braces on the teeth, sitting in the dental chair, in the background a young doctor dentist
Portrait of teen black girl high-fiving dentist while enjoying dental care appointment in clinic and smiling

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

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

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
Cropped portrait of little girl with pigtails hair sitting in dental chair looking at camera and smiling. Behind, a doctor in gloves holds examination tools.Children's dentistry.
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Getting Started

Setting Up Payments

Easy steps to establish your payment preferences:

  1. Choose Your Method: Select your preferred payment option
  2. Complete Application: Fill out financing applications if needed
  3. Verify Information: Confirm payment details and terms
  4. 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.

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

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

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

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