Patients / Financing and Insurance
Dental Financing and Insurance in Powdersville, SC
You can pay for care at our office with your dental insurance benefits, with financing, or both. We are not in network with any PPO or HMO plan, but we submit claims to your insurance company on your behalf. If you would rather pay over time, you can apply for financing through Cherry or CareCredit. Call (864) 269-0820 and we will help you sort out your options before you start.
- We file your claims
- Pretreatment estimates
- Written estimate before treatment
- Cherry and CareCredit
Not in network with any PPO or HMO plan
We check your benefits, send pretreatment estimates and submit claims for you
Yes, before treatment
Cash, check and cards
Cherry and CareCredit
Online, through our practice link
Call (864) 269-0820
Can you use your dental insurance at our office?
Yes, you can often use your benefits here, even though we are out of network. “Out of network” means our office has not signed a contract with any PPO or HMO dental plan. It does not mean your plan pays nothing. It means your plan decides how much it pays for care with a dentist outside its network.
Plans differ a lot. Some plans set higher deductibles and lower yearly maximums for out-of-network care. Some plans, often HMO plans, may pay little or nothing outside their network. That is why it helps to check before treatment.
We check your benefits. Our team checks your benefits and can send your plan a pretreatment estimate, which shows what it expects to pay for a planned treatment.
We file the claim for you. You do not have to fill out insurance forms yourself. Our team submits the claim to your insurance company on your behalf.
How payment works. In most cases, you pay the full balance at your visit, and your insurance company reimburses you. If a pretreatment estimate comes back before your treatment, your plan can pay its share and you pay the remaining balance. Your plan makes the final decision on what it pays when the claim is filed.
How does paying over time with Cherry work?
Cherry is a payment plan option you apply for online. If you are approved, you can pay for your treatment over time instead of all at once. Dr. Fernandez added Cherry so patients have another way to pay over time.
Here is how it works in general:
- Apply online. Use our practice link below. You can apply from your phone.
- Get a decision. Cherry reviews your application and tells you whether you are approved.
- Choose a plan. If you are approved, you pick the plan that fits you.
Cherry shows its own requirements when you apply. The plans offered to you depend on your application, so read your terms before you accept.
Questions about your Cherry application or account go to Cherry. Questions about your treatment plan come to us at (864) 269-0820.
Do you accept CareCredit?
Yes, we accept CareCredit. CareCredit describes itself as a health and wellness credit card. Once you are approved, you can use it for care for you and your family at places that accept it, including our office.
You can apply for CareCredit online on its own website. Ask our team if you have questions about using it here.
Can you use financing for larger treatment like dental implants?
Yes, you can ask about Cherry or CareCredit for any treatment plan, including larger ones. Treatment such as dental implants or full arch dental implants often involves several steps over a few months. Financing lets you spread the cost out.
Dr. Jonathan Fernandez, DMD, places and restores implants at our office. He plans each case with a 3D scan (a CBCT, or cone beam CT) and a digital scan of your teeth. That planning visit is when you will learn what your treatment involves.
The cost of implant care depends on things like:
How many teeth are being replaced, and how many implants that takes.
The type of tooth replacement on top: a single crown, a denture that snaps onto implants, or a fixed full arch.
Extra steps some people need first, such as tooth removal, a bone graft or a sinus lift.
Your insurance plan. Coverage for implants varies from plan to plan.
Ask us how your insurance and financing could work together for your plan.
How do you find out what your treatment will cost?
You get a written estimate before treatment. You review and sign it, and we keep a copy in your chart, so you can review the expected cost before you start.
Your cost depends on the treatment you need, how many visits it takes and what your insurance plan pays. We do not list prices on this page because every plan is different.
How can you pay at your visit?
We accept cash, checks and cards. You can also pay with Cherry or CareCredit if you are approved.
Frequently asked questions
Do you take my dental insurance?
We are not in network with any PPO or HMO plan, but we submit claims to your insurance company for you. Whether your plan pays for out-of-network care, and how much, depends on your plan. Call us with any questions about your plan.
What does out of network mean for my bill?
It means we have no contract with your insurance company, so your plan decides what it pays. Some plans pay less for out-of-network care, and some pay little or nothing. In most cases, you pay at your visit and your plan reimburses you. We can send a pretreatment estimate before treatment so you know what your plan expects to pay.
How do I apply for Cherry?
Use our practice link to apply online from your phone. Cherry reviews your application and gives you a decision. If you are approved, you choose your plan. The plans offered depend on your application.
What do I need to apply for Cherry?
Cherry lists what you need on its application page. Have your treatment plan details from our office handy when you apply.
Can I use Cherry or CareCredit for dental implants?
You can ask about either one for any treatment plan, including dental implants and full arch implants. Implant care often happens in steps over a few months, and financing lets you spread out the cost. Ask us how insurance and financing could work together for you.
Will you tell me the cost before treatment?
Yes. You get a written estimate before treatment, which you sign and we keep in your chart. Your cost depends on the treatment you need and what your insurance plan pays. Call us if you have questions about your estimate.
What payment methods do you accept?
We accept cash, checks and cards, plus Cherry and CareCredit financing for approved patients.
Have a question about paying for your care?
Call us before your visit and we will walk you through insurance, Cherry and CareCredit. We are glad to help you plan.
100 Commons Blvd., Piedmont, SC 29673