Dental Financing & Payment Options
Dental Financing & Payment Options
Whether you have insurance, prefer monthly payments, or want a simple membership, our team will help you find the right option. No pressure, just clear answers.
Pay Over Time with CareCredit
CareCredit is a credit card made for health and wellness costs. It helps you start treatment now and pay in manageable instalments instead of one large payment. Approval, limits and promotional terms are set by CareCredit.
Pay with Cherry Financing
Make use of your existing dental insurance to help pay for eligible services. Coverage varies by plan, and our team can help you review your benefits, understand potential costs, and check applicable coverage.
Make Most of your Insurance
Make use of your existing dental insurance to help pay for eligible services. Coverage varies by plan, and our team can help you review your benefits, understand potential costs, and check applicable coverage.
No Insurance? Join Our Plan
Gallery Dental Care’s in-house plan offers preventive care with no out-of-pocket fees for covered preventive services, plus reduced fees for eligible restorative treatments. Ask our team about membership costs and plan details.
Which Option is right for me?
| CareCredit | Cherry | Insurance | In-House | |
|---|---|---|---|---|
| Best for | Larger treatment | Spreading costs | Patients with cover | No insurance |
| Pay over time | Yes | Yes | No | No |
| Preventive savings | No | No | Yes | Yes |
| Sign-up needed | Application | Application | Your policy | Membership |
Frequently Asked Questions
1. What payment options do you offer?
We offer four ways to pay: CareCredit financing, Cherry payment plans, dental insurance, and our in-house membership plan for patients without insurance. Our team will help you choose the option that suits your treatment and budget.
2. Do I need dental insurance to get treatment at Gallery Dental Care?
No. If you don’t have insurance, you can join our in-house plan, which offers preventive care with no out-of-pocket fees for covered preventive services, plus reduced fees on eligible restorative treatments. You can also use CareCredit or Cherry to spread costs over time.
3. How do CareCredit and Cherry work?
Both let you pay for eligible dental treatment over time instead of paying everything upfront. You apply online, and if you’re approved, you can use the plan to pay for treatment at our practice. Approval, limits, payment terms and any promotional offers are decided by each provider, so please read their terms before applying.
4. Will applying for financing affect my credit score?
This depends on the provider and their application process, so we can’t promise either way. Each provider explains how your application is handled before you submit it, and we recommend reading this carefully first. Our team is happy to explain how the process works, though we don’t make the credit decision.
5. What happens if my financing application isn’t approved?
Please don’t worry. We’ll talk through your other options with you, such as our in-house plan, another financing provider, or phasing your treatment over time so it’s easier to manage.
6. Can I use my dental insurance and financing together?
Often, yes. Your insurance can cover its share of eligible treatment, and financing can help spread the remaining balance. Our team can look at your plan and show you how the two can work together.
7. Can you check my insurance coverage before I book?
Yes. Share your insurance details with our team and we’ll review your benefits, explain what your plan may cover, and give you an estimate of your likely costs. Please remember that coverage varies by plan, and an estimate isn’t a guarantee of payment from your insurer.
8. Do you accept my insurance provider?
We work with most of the insurers in USA. If you don’t see yours listed, contact us and we’ll check whether we can help with your plan.
9. Can I get a cost estimate before starting treatment?
Yes. After your consultation, we’ll give you a clear treatment plan and estimate so you know what to expect before you decide to go ahead. No pressure, and no surprises.
Not Sure Which Option Is Best? Let's Talk.
Every patient’s dental needs and financial circumstances are different. Whether you have insurance, want to explore financing, or need an alternative, our team can help you understand the available options and associated costs. At Gallery Dental Care in Watsonville, California, we’re here to help you make informed decisions about your dental care and plan your next steps with confidence.