Dental Financing & Insurance at Inspire Dental Wellness
If you have dental insurance, there’s a good chance you can use it here — most plans reimburse out-of-network care at the same level (or close to it) as in-network care. Inspire Dental Wellness is independently owned by Dr. Erica Zolnierczyk, DMD, and not contracted directly with insurance companies, by design — that’s how we’re able to spend the time your case actually needs. Below are the practical paths most patients take to make dental care work financially. Have a question that isn’t answered here? Call us at (708) 460-6699 and our front desk will walk you through the specifics for your situation.
In-house Membership Club
Our Inspire Dental Membership Club is a yearly subscription for patients without dental insurance. It covers your routine preventive care — cleanings, exams, X-rays, and one emergency exam per year — plus a built-in 15% discount on crowns and fillings. There are three plan tiers (Individual, Family, and Perio) so you can pick the one that fits your situation.
The Membership Club is a payment arrangement with our practice, not insurance. It’s scoped to preventive care plus a discount on everyday restorative work. Specialty treatments — orthodontics, frenectomy, sleep-apnea oral appliances, airway-focused care, and cosmetic dentistry — are billed separately and not included in the membership. Full plan details and pricing are on the membership page.
CareCredit (third-party financing)
For larger treatment plans — orthodontics, full-mouth restoration, multi-phase frenectomy and airway work — we partner with CareCredit, an independent healthcare-financing company. CareCredit lets you spread the cost of treatment over a series of monthly payments, often with promotional no-interest or low-interest periods on qualifying balances.
CareCredit is a third-party service — not in-house financing from our practice. Approval is subject to credit eligibility through CareCredit directly. We’ll walk you through whether it’s a good fit for your treatment plan at the time of consultation, and our front desk can help you start an application if you’d like to move forward.
Using your dental insurance benefits
If you have dental insurance, there’s a good chance you can use it here. We’re not contracted directly with insurance companies, but many dental plans reimburse out-of-network care at the same level (or close to it) as in-network care — the variable is your specific plan, not our practice. The fastest way to know what your visit will actually cost is to give us a call before your appointment so we can review your specific benefits.
Here’s what we do and don’t do on the insurance side:
- What we do: review your plan benefits before your visit, prepare the documentation your plan needs, and walk you through what your share is expected to be — before any treatment.
- What we don’t do: accept assignment of benefits or contract directly with insurance carriers. Reimbursement from your plan is between you and your insurance company.
- What this means for you: you pay our practice directly at your visit, and your insurance plan reimburses you according to your out-of-network benefit schedule.
If you’d like a benefits review before booking, call (708) 460-6699 — have your insurance card handy and our front desk will walk you through what to expect.
HSA & FSA accounts
We accept HSA (Health Savings Account) and FSA (Flexible Spending Account) funds for eligible dental expenses. You can pay with your HSA/FSA debit card at the time of service, or pay out of pocket and submit for reimbursement through your plan administrator afterward.
A few practical notes: FSA funds generally have to be used within your plan year, though many plans offer a short grace period or a small carryover — check with your plan administrator before year-end. HSA funds roll over year to year, so there’s no use-it-or-lose-it pressure. Bring your plan information to your visit and we’ll help verify what’s eligible and provide the documentation you need.
Frequently asked questions
Do you accept dental insurance?
If you have dental insurance, there’s a good chance your plan reimburses out-of-network care at close to in-network levels. Our front desk will review your benefits and walk you through what your share is expected to be before treatment. Call (708) 460-6699 with your insurance card handy and we’ll help you check coverage.
What if I don’t have dental insurance?
Two practical paths: our in-house Membership Club for routine preventive care plus a discount on everyday restorative work, and CareCredit (third-party) for spreading payments on larger treatment plans. Most uninsured patients use one or the other — or both, depending on the case.
Can I use HSA or FSA funds?
Yes — both are accepted for eligible dental expenses. HSA funds roll over year to year; FSA funds typically need to be used within the plan year. Use your debit card at the time of service or pay out of pocket and submit for reimbursement.
How do I know what something will cost before I commit?
Treatment plans and pricing are walked through at consultation. For new patients, the consultation is part of your first visit — an extended ~2-hour appointment combining hygiene with one-on-one time with Dr. Erica. You leave with a treatment plan and a clear picture of cost before any treatment begins.
What forms of payment do you accept?
Cash, check, and major credit cards. HSA and FSA debit cards. CareCredit for qualifying patients on larger treatment plans. Membership Club annual fees can be paid by any of the above.
Schedule a consultation
Have questions about how the financial side works for your specific situation? Call (708) 460-6699 or request a visit — our front desk will walk through your options before you commit to anything.
Inspire Dental Wellness · 14512 John Humphrey Drive · Orland Park, IL 60462 · Mon 8–5 · Tue–Thu 7–3.