Paying for your care
Dental financing and insurance in Royal Oak
We're in network with most dental insurance plans, and we file the claims for you. For the part insurance doesn't cover, or if you don't have insurance, you can pay over time through CareCredit, Cherry or Proceed Finance. Either way, you'll see your treatment plan and price in writing before anything starts.
Ways to pay
- Dental insurance. In network with most plans
- Membership plan. $399 a year if you're uninsured
- HSA and FSA cards
- CareCredit, Cherry and Proceed Finance
- Cash and cards
Checking whether you prequalify for financing doesn't affect your credit score.
Insurance
We're in network with most dental plans
The list of plans we take is long and changes from time to time, so the quickest way to know is to call us with your plan name. We'll check your benefits before your first visit and tell you what to expect.
- We file your claims for you
- You'll know your estimated share before treatment
- Insurance often pays toward parts of implant treatment, up to your plan's yearly maximum
No dental insurance?
Our membership plan is $399 a year for adults and $369 for kids. It covers your checkups, cleanings and x-rays, and takes 20% off most other treatment. No deductibles, no waiting periods.
See the membership planFinancing
Pay over time
We work with three lenders, so there's an option whether your treatment is a crown or a full arch of implants. You can check all three. Prequalifying with each one doesn't affect your credit score.
CareCredit
A credit card just for health costs. Once you have it, you can use it again here, and at other doctors, dentists and vets that take it.
- Check if you prequalify without affecting your credit score
- Promotional financing on qualifying purchases. Ask us what's offered right now
- Handy for everyday care and smaller treatment
Cherry
Split your treatment into monthly payments. The application takes about a minute.
- Soft credit check only, so applying doesn't affect your credit score
- Most people get an answer the same day
- Works well for crowns, root canals, implants and other mid-size treatment
Proceed Finance
Made for bigger cases like All-on-X and full-mouth work, with higher loan amounts and longer repayment terms than most dental financing.
- Prequalify in minutes without affecting your credit
- Longer terms help keep the monthly payment manageable
- A good fit for All-on-X and other full-mouth treatment
All financing is subject to credit approval by the lender, not by our office. Each lender shows you its rate, monthly payment and terms before you accept, and those terms are between you and the lender. CareCredit, Cherry and Proceed Finance are trademarks of their respective owners.
Which one fits?
| Your treatment | Good place to start |
|---|---|
| Cleanings, fillings, an emergency visit | CareCredit, which you can keep using for future visits |
| Crowns, root canals, a single implant | Cherry or CareCredit |
| All-on-X or snap-in dentures | Proceed Finance, often alongside insurance and HSA money |
| Not sure | Check all three. It doesn't affect your credit score, and we'll help you compare the offers |
Full-arch implants
How people pay for All-on-X
All-on-X is a big decision, and most people combine a few ways to pay. It starts at $18,995 per arch, and you'll get your exact price in writing at a free consult.
- Insurance, if you have it
It may pay toward parts like extractions and implants, up to your yearly maximum. We'll check for you.
- HSA or FSA money
Implant treatment usually qualifies.
- Financing for the rest
Proceed Finance is built for cases this size. You can prequalify before your consult, so you know your options when you sit down with us.
Free All-on-X consult
Meet Dr. Ansari, get a free 3D scan, and leave with a written plan and price. The consult and the scan are both free.
Book a free consult About All-on-XQuestions
Financing and insurance questions
Will checking my financing options hurt my credit?
No. CareCredit, Cherry and Proceed Finance all let you check whether you prequalify without affecting your credit score. If you go ahead with an offer, that lender's terms explain what happens next.
Do you take my dental insurance?
Most likely. We're in network with most dental insurance plans, and we file the claims for you. Call 248-398-5520 with your plan name and we'll check your benefits before your visit.
Can I use financing and insurance together?
Yes. Your insurance pays its share, and you can use financing for the part you owe.
Can I use financing with the membership plan?
Yes. Members pay their discounted fee at the visit, and financing can cover that payment.
Can I pay with my HSA or FSA card?
Yes. Most dental treatment qualifies. Cosmetic treatment like whitening usually doesn't, so check with your plan if you're not sure.
What if one lender says no?
Each lender looks at different things, so a no from one isn't a no from all three. If you don't have insurance, our membership plan also lowers what you pay for most treatment.
Who sets the rates and terms?
The lender does, not our office. You'll see the rate, the monthly payment and the length of the loan before you accept anything, and you can say no.
Questions about cost?
Call us with your insurance or treatment plan and we'll walk you through it.