A Guide to Financial Options for Dental Patients in Raleigh, North Carolina

At Raleigh Dental Loft, we are committed to doing what is best for our patient’s teeth. We want you to have the dental treatment you need when you need it. Call us today to discuss financing!

If you need a dental procedure, our team at Raleigh Dental Loft in Raleigh, NC, will provide you with a detailed estimate of the cost of treatment. That way, you will know exactly what to expect when treatment starts. Sometimes, more than one treatment option exists, and we will discuss them all with you while taking into consideration your financial needs.

We offer our patients a wide choice of payment plans, ensuring that excellent preventative and restorative dentistry is readily available even without dental insurance. 

Raleigh Dental Loft accepts a variety of forms of payment, including the following:

Pay As You Go

Patients with no dental insurance can opt to pay for dental services as they receive them. The front desk will present you with a bill, which you’ll need to pay at the end of each visit to our dental office upon receiving service. You can make payments by cash, credit card, or check. 

Care Credit

Whether or not you have insurance, sometimes you may have cash-flow problems or would like to keep your cash for other needs. Obtaining third-party financing from Care Credit allows our patients to immediately settle their dental bills and repay the money over time.

Care Credit is a credit card for dental work, but it comes with much more attractive financing options. Fixed, short-term financing in increments of 6 or 12 months is free for dental bills of over $500, as long as you make monthly payments on time and pay off the full amount by the end of the payment plan loan period. 

After we approve patients for Care Credit membership, you can use Care Credit over and over, just like a regular credit card.  

Lending Point

Lending Point is a personal loan service that uses proprietary smart technology to process patients’ loan applications. Lending Point takes into consideration factors that give a truer representation of a patient’s creditworthiness than a traditional loan application might. 

Because dental treatments sometimes can’t wait, another big plus is that Lending Point works in seconds. This means that you can have access to the necessary funds as early as the next day.   

Dental Insurance

At Raleigh Dental Loft, we accept most major dental insurance providers. 

When patients who have dental insurance first come to our dental office, they share details of their dental insurance and we make a copy of their insurance card. After that, whenever a patient has a preventative visit or other dental procedure, they will only pay the balance that remains after the insurance company pays its portion of the expense. Be sure to always tell the dental office if your insurance changes for any reason. 

Other Help

Another way we help patients finance dental treatment is by timing non-urgent procedures to optimize dental insurance. For example, if a dental exam in November reveals a problem that needs treatment but can safely wait until the new year, a patient’s dental insurance limit will refresh as the year changes. Sometimes we can stagger a dental treatment with several stages so that the process spreads out across two different insurance years. 

Learn more about your payment options at Raleigh Dental Loft in Raleigh, North Carolina, by calling our office at 919-859-4500.