Affordable Financing for Your Dental Care
We believe everyone deserves a healthy smile. Our flexible financing options make high-quality dental treatments accessible, with plans tailored to fit your budget and lifestyle.
Apply for Financing Today
Choose from our trusted financing partners to get the dental care you need
Sunbit Financing
Get approved in minutes with flexible payment plans designed for dental care.
Apply with SunbitCareCredit
Healthcare credit card with special financing options for medical and dental expenses.
Apply with CareCreditIs Dental Financing Right for You?
Dental financing is a flexible way to manage the cost of dental treatments. It allows you to spread payments over time, making it easier to afford the care you need. Below, we break down how it works and why it might be the right choice for you.
Great Approval Rating
Our financing options are designed to be accessible, with a high approval rate for patients from all financial backgrounds.
Same-Day Financing
Need urgent dental care? Get approved for financing on the same day, so you don't have to delay your treatment.
Flexible Payment Plans
Choose from a variety of payment plans to fit your budget, allowing you to spread the cost over manageable installments.
Apply for Financing
Our financing options are designed to make dental care affordable and stress-free. Explore how you can get started today.
Apply for Your Visit
Start your financing journey by filling out a simple application online or during your visit.
Explore Your Offer
Review your financing options and select the plan that best fits your needs and budget.
Start Your Treatment
Once approved, you can begin your dental treatment right away with peace of mind.
How does Insurance work
We make dental care accessible and affordable for everyone
At Z Family & Cosmetic Dentistry, we strive to make dental care accessible and affordable for everyone. We work with a variety of insurance providers to ensure you receive the coverage you need. Our team is experienced in handling insurance claims and will assist you in understanding your benefits and coverage. We accept most PPO services, making it easier for you to get the dental care you deserve.
If you have any questions about your insurance coverage or need assistance with your claim, please do not hesitate to contact our office. We are here to help you navigate the complexities of dental insurance and ensure you receive the best possible care.
We work with the insurance companies for your convenience
FAQ for Insurance
What dental insurance plans do you accept?
We accept a wide range of dental insurance plans, including those from major providers such as Aetna PPO, Cigna, MetLife, Humana, United Healthcare, Principal, GEHA, and Central States. We also accept most PPO services.
How do I know if my insurance covers a specific treatment?
You can contact your insurance provider directly or reach out to our office. We can help verify your coverage and explain your benefits.
Do you offer payment plans for treatments not covered by insurance?
Yes, we offer flexible payment plans to help you manage the cost of treatments not covered by insurance. Please speak with our office staff for more details.
Financing FAQs
Find answers to common questions about dental financing options
How does dental financing work?
Dental financing at Aspen Dental is provided by third-party lenders to offer you a flexible way to pay for your dental treatments. It provides access to the care you need without having to worry about upfront costs.
Dental credit cards
Dental credit cards offer patients a line of credit to pay for their current and future dental treatments. Similar to traditional credit cards, your lender will set a credit limit for you to draw from.
Dental loans
Dental loans are unsecured personal loans that you can use to pay for dental procedures with a set monthly payment. Loans like this have a designated borrowing amount that will be repaid over a specified term.
What is principal and interest?
Principal refers to the initial amount of money that's borrowed. It does not include any interest that may be charged on a loan. For example, if you borrow $1,000 for your dental treatment, the principal is $1,000.
What is deferred interest?
Deferred interest is when your financing plan has a period of zero interest if your balance is paid off before the designated timeframe ends. If you can't pay it in full by then, interest payments will be applied retroactively.
What does term of loan mean?
The term of a loan refers to the length of time you have to repay your loan. It's the period between the date the loan is disbursed to you and the date it's fully repaid. The term of your loan can vary based on the agreement.
What is a credit score?
Your credit score is a numerical representation of your creditworthiness. It's used by lenders to evaluate your ability to repay debt(s) and to determine the level of risk associated with lending to you.
What determines a good to bad credit?
Factors that impact your credit score may include your repayment history, amount of debt owed, length of credit history, types of credit used and new credit inquiries. It's important for you to maintain a good credit score to access better financing options.
Still have questions about insurance or financing?
Contact our team and we'll be happy to help you understand your options and get the care you need.