Financial Options for Your Dental Care in Winchester VA
Understanding your financial options shouldn’t feel overwhelming. Our front desk team is highly trained, approachable, and always ready to guide you through the process. Whether you’re planning routine care, orthodontic treatment, or a more involved procedure, we’re here to help you choose the option that best fits your budget, clearly, confidently, and without pressure.
Because many families today compare payment plans, insurance benefits, and flexible financing before scheduling treatment, we’ve made it easier than ever to get the information you need upfront. Our goal is simple: make quality dentistry and orthodontic care accessible for every age and every stage.
What Payment Methods Do We Accept?
We offer a variety of convenient payment options so you can choose what works best for you:
- Cash or Check
Save immediately with a 5% same-day payment discount. - Major Credit Cards
We accept Visa, MasterCard, American Express, and Discover. - CareCredit
A popular choice for medical and dental expenses not covered by insurance. Flexible monthly payments help you move forward with treatment when you need it.
Click here to learn more. - Cherry Payment Plans
Designed for affordability, Cherry allows most patients to qualify for financing up to $35,000 with terms from 3–60 months and 0% APR options for qualifying applicants.
Click here to get started.
These options make it easier for parents, teens, and adults to begin care without delaying treatment due to cost.
How Does Dental Insurance Work at Our Office?
If you have insurance, our team will help you understand your coverage and make the most of your benefits. We know navigating insurance can be confusing, so we handle the legwork for you.
Here’s how we support you:
- We file claims with all major dental insurance carriers.
- We participate with Delta Dental Premier and selected other plans.
- We verify your benefits whenever possible to help estimate out-of-pocket costs.
- Claims are submitted electronically for faster processing.
- If you’re visiting us for the first time, please bring any current insurance information so we can assist you accurately.
Any portion not covered by insurance can be handled through one of our available payment options listed above. If you ever have questions, we’re just a phone call away.
No Insurance? No Problem.
We believe everyone deserves access to high-quality dental and orthodontic care, even without traditional insurance. That’s why we offer an in-house wellness plan designed to make preventive care simple and affordable.
What Does the Wellness Plan Include?
- One yearly fee
- Routine checkups and cleanings are covered
- 15% savings on nearly all additional treatments
- No deductibles, no waiting periods, and no claim forms
It’s a great solution for families, adults, and seniors who want predictable dental costs and priority access to preventive services.
To learn more, just ask our front desk team; we’re happy to walk you through the details.
Frequently Asked Questions
Understanding how dental and orthodontic finances work can feel overwhelming, especially for families comparing coverage, payment plans, and out-of-pocket expenses. These questions are designed to give you clear, helpful guidance before your visit, so you know exactly what to expect and feel confident moving forward.
Can I get a cost estimate before starting treatment?
Absolutely. We provide written estimates for all treatment plans and review them with you in detail. This includes insurance benefits (if applicable), out-of-pocket costs, and any financing or payment plan options you may want to use. Our goal is full transparency—no surprises.
Can I combine insurance benefits with payment plans?
Yes! Many patients use both. Insurance can reduce the total cost, and a payment plan can help make the remainder more manageable with low monthly payments. We’ll walk you through combining both options in a way that fits your budget.
What if my insurance changes during treatment?
If your insurance plan changes, simply let us know as soon as possible. We will update your information, re-check your new benefits, and help you understand how the change affects your remaining treatment. We’ll work with you to minimize any unexpected shifts in coverage.
What if I have a large treatment plan—can I spread payments out over time?
Yes. Many families choose extended payment plans through Cherry, which offers terms from 3 to 60 months with financing up to $35,000. This flexibility allows you to start the care you need now while paying over time.
Do payment plans affect my credit score?
CareCredit does a standard soft credit check, while Cherry may perform either a soft or hard inquiry, depending on the loan type you choose. Both companies explain the details before you accept an offer, and our team can help guide you through the process.
