Dental Financing Options
At Inspire Dental Wellness, we work with major dental insurance providers. We handle the paperwork so you can focus on the health of your teeth, mouth and jaw.
Even if you aren’t covered by dental insurance, you have many dental insurance alternatives when you become a patient with us. These dental payment plans help you pay in a way that fits your lifestyle and budget.
Accepted Payment Options
Payment is accepted via cash, check and most major credit cards.
Dental Care Financing for Patients: Explore Your Options
At Inspire Dental Wellness, we offer a variety of ways to help you pay for dental work without insurance.
Inspired Smiles Membership Club
No insurance? No problem! We offer multiple ways to pay for dental work so that you can do what works best for you, including dental membership plans that are tailored to our practice and the needs of your family. With this no-credit-check dental financing, you can choose from three affordable plans and save big on preventative care, exams and X-rays. Our Inspired Smiles Membership Plans also provide you with savings on restorative treatments and orthodontics.
Find out about our in-house membership plan and help make your visits affordable even without dental insurance.
We Are CareCredit Dental Providers
CareCredit is a credit card designed for use specifically on your family’s health care needs. With your CareCredit card, you can better manage monthly payments for dental work. CareCredit also includes no interest and low interest options, each with low monthly payments and no upfront costs.
Use it to cover dental care and treatments not covered by insurance, and get a budget-friendly way to manage out-of-pocket expenses. Payments can be made in installments, and you can use your CareCredit card on multiple visits as needed.
Approval for CareCredit is subject to eligibility. Learn more about CareCredit dental financing for patients.
Dental Insurance Options
Dental insurance benefits can vary depending upon the way your insurance plan works. We are skilled in helping patients understand their dental benefit packages and coverage from the most common insurance providers and plans. Call our office to speak with our insurance coordinators to give you the best estimate of what your costs may be.
Since we’re familiar with the majority of dental insurance plans, providers and networks, we have the ability to both process claims and estimate your co-payment for any services you need. Any estimates we provide will be based on your insurance plan. Because insurance providers determine what they will and will not cover, which may change, we are unable to guarantee your final co-payment cost.
You can make your co-payment, due when you receive services, through a variety of payment methods. We can split your co-payment between different types of payment options as well!
Dental Insurance: How We Help You
Understanding dental insurance can be difficult, especially if you have never worked with a dental insurance plan before. Our patients are sometimes unsure how to maximize their benefits, or their benefits provide different coverage than they expect.
To help you feel more comfortable using your dental insurance, we can share a few things that we have learned:
- We work with your insurance: All dental insurance is based on a budgeted amount that was arranged between your employer and your dental insurance plan provider. Dental insurance is therefore not personalized to your dental needs. This is why coverage can vary. It is our role to work with your insurance provider to explain the dental procedures we recommend based on our evaluation of your teeth and mouth.
- We focus on your needs: Our dental team acts in your best interests when speaking with your insurance provider. We will suggest that you undergo any procedures or treatments based on what you need. Typically, we focus on solutions that will be lasting, reliable, comfortable, economical and (when applicable) cosmetically appealing.
- We communicate transparently: We will always be upfront about any concerns we have, as well as ways to correct problems. We treat our patient-doctor relationship as a true partnership. Feel free to ask questions about your options and how your choices may affect your dental health. Ultimately, our goal is for you to achieve your goals when it comes to your mouth and body!
Dental insurance usually will not pay for all dental services. However, it can be a good way to defer the cost of services to keep your mouth healthier. If you have any other questions about dental insurance, let us know.
• Some dental benefits are changing rapidly, with many reductions in your coverage.
• Insurance companies do not inform dental offices of changes to your policy.
• Benefit coverage is a contract between you, the insurance company and your employer, not the dentist.
• Your insurance company may have changed due to; takeover, merger, buyout, etc. If so, you may have new policy numbers, etc. Be sure you are up to date so that you can update your dentist.
• Dental benefits rarely cover 100% of your dentistry.
• Coverage, in some cases is being reduced drastically due to companies cutting their costs. This means that necessary treatment may no longer be covered by your plan.
• Ultimately, you are responsible for paying the dentist for treatment and your insurance company will reimburse you.
• We encourage our patients to know their plan, in order to eliminate disappointments with payment and reimbursement.
• We suggest that you obtain updated information from your insurance company before making your dental appointments (and we would be pleased to help you further understand your benefit coverage).
• Some companies offer 100% coverage based on 1994 (or earlier) fees. We charge current fees, which are based on the American Dental Association fee guide.
• We would be pleased to complete a pre-authorization to send to your insurance company for confirmation of your coverage. This will enable you to plan your finances before starting treatment.
• Often insurance companies are sending back approvals with requests for cheaper alternative treatment plans. Our doctors will discuss any alternatives and choices with you prior to treatment. It is our policy to recommend what is best for you, not what is best for the insurance company.
• Some employers are offering their employees dental coverage which is minimal and restricts their choice of dentist and treatment.
Contact Us With Financing Questions
As a dentist with payment plans near Orland Park and Chicago, our goal is to make dental care accessible. If you have any questions about our in-house membership, contact us online or call our office. You can also schedule an appointment if you’re ready to visit.
Frequently Asked Questions
Do you accept dental insurance?
Yes! We can verify your benefits, submit claims on your behalf, and provide an estimate of any out-of-pocket costs before treatment. Have your insurance card handy at your visit or call us and we’ll help you check coverage.
What financing options do you offer?
We offer flexible third‑party financing through CareCredit (subject to credit approval), along with major credit cards. We’ll review your treatment plan and go over monthly payment options that fit your budget. Questions? Call us or request a visit and we’ll walk you through it.
What if I don’t have dental insurance?
Ask about our in-house Membership Club—an affordable way to keep up with preventive care and receive discounts on treatment, with no deductibles, waiting periods, or annual maximums.
Can I use my HSA or FSA for dental care?
Yes—Inspire Dental Wellness accepts HSA and FSA funds for eligible dental expenses. You can pay with your HSA/FSA debit card or pay out of pocket and submit for reimbursement. FSA funds generally must be used within the plan year (some plans offer a grace period or small carryover), while HSA funds roll over year to year. Bring your plan information and we’ll help verify eligibility and provide the documentation you need.