Payment Options
Accessible Dental Care for Every Budget
At Irmo Dentistry, we understand that dental care is an important investment in your health and well-being. Dr. Davis and our team are committed to making quality dental treatment accessible to patients throughout Irmo and surrounding South Carolina communities, regardless of their financial situation. We offer a comprehensive range of payment options and financing solutions designed to accommodate different budgets and preferences while ensuring you receive the dental care you need when you need it.
Our financial coordinators work closely with patients to explore all available payment options and find solutions that fit comfortably within your budget. We believe that financial constraints should never prevent you from receiving excellent dental care, which is why we’ve partnered with leading healthcare financing companies and developed flexible in-house payment programs to make treatment affordable and manageable for families of all income levels.
Pay at Time of Service
Traditional Payment Methods
- Cash payments with potential discounts for select treatments
- Personal checks with valid identification
- Money orders and cashier’s checks for larger amounts
- Traveler’s checks accepted with proper identification
Credit and Debit Cards
We accept all major credit and debit cards:
- Visa and MasterCard (all types, including rewards cards)
- American Express and Discover Card
- Debit cards with PIN or signature verification
- Prepaid credit cards with sufficient available balance
Digital Payment Options
- Apple Pay, Google Pay, and Samsung Pay for contactless transactions
- Mobile banking transfers and digital wallet payments
- Online payment portal for convenient account management
- Automatic payment setup for recurring treatments or payment plans
Health Savings and Flexible Spending Accounts
- HSA (Health Savings Account) cards and direct payments
- FSA (Flexible Spending Account) cards with proper documentation
- HRA (Health Reimbursement Arrangement) eligible payments
- Dependent Care FSA for eligible family dental treatments
Interest-Free and Low-Interest Financing
CareCredit Healthcare Financing
Our primary financing partner offers:
- 0% interest plans for 6, 12, 18, and 24 months on qualifying purchases
- Extended payment plans up to 60 months for larger treatment amounts
- Same-day approval for most applications with instant decisions
- No prepayment penalties, allowing early payoff without fees
- Flexible payment amounts with minimum monthly payment options
Lending Club Patient Solutions
Alternative financing through Lending Club provides:
- Fixed monthly payments with predictable budgeting
- Competitive interest rates based on creditworthiness
- No hidden fees or prepayment penalties
- Quick online application with fast approval decisions
- Direct payment to our office for seamless treatment scheduling
Alphaeon Credit
Specialized healthcare financing offering:
- Promotional financing options with deferred interest plans
- No application fees or annual fees
- Flexible payment terms from 6 to 84 months
- Instant approval decisions for qualified applicants
- Digital account management through a mobile app and an online portal
Customized Practice Payment Solutions
Short-Term Payment Arrangements
For treatments under $1,000:
- 30-day interest-free payment arrangements
- 90-day payment plans with minimal fees
- Automatic payment scheduling from checking or savings accounts
- Flexible due dates aligned with your pay schedule
Extended Payment Plans
For comprehensive treatments over $1,000:
- 6 to 18-month payment plans with competitive terms
- Down payment options to reduce monthly amounts
- Seasonal payment schedules for teachers and seasonal workers
- Family payment plans combining multiple family member treatments
Special Circumstances
- Emergency treatment payment plans with immediate care and deferred payment
- Seasonal adjustment options for variable income patients
- Student discounts and payment arrangements with valid enrollment verification
- Senior citizen considerations for fixed-income patients
Maximizing Your Dental Benefits
Primary Insurance Optimization
- Benefits verification before treatment to understand exact coverage
- Treatment timing coordination to maximize annual benefit usage
- Pre-authorization assistance for major treatments requiring approval
- Claims filing and follow-up to ensure prompt insurance payment
Dual Insurance Coordination
For patients with multiple insurance plans:
- Primary and secondary insurance coordination for maximum benefits
- Spouse and family coverage optimization strategies
- Coordination of benefits to minimize out-of-pocket expenses
- Annual maximum tracking across multiple insurance years
Insurance Payment Plans
- Treatment staging to spread costs across multiple benefit years
- Insurance waiting period planning for optimal treatment timing
- Alternative treatment options when insurance coverage is limited
- Appeal assistance for denied claims with supporting documentation
Additional Savings Opportunities
Cash Payment Discounts
- Immediate payment discounts for treatments paid in full at the time of service
- Advance payment incentives for future treatment scheduling
- Large treatment package discounts for comprehensive care plans
- Referral credits for new patients referred to our practice
Family and Group Discounts
- Multiple family member discounts are available when several family members receive treatment
- Employee group rates for businesses without dental insurance
- Senior citizen discounts for patients 65 and older
- Student discounts with valid student identification
Preventive Care Programs
- Annual preventive care packages with prepaid cleanings and exams
- Preventive membership plans for uninsured patients
- Children’s preventive programs with special family rates
- Maintenance plan discounts for patients with ongoing care needs
Urgent Care Financial Assistance
Emergency Treatment Policy
- Immediate care provision regardless of ability to pay upfront
- Pain relief priority with payment arrangements made after treatment
- Emergency financing options through expedited applications
- Compassionate care programs for patients experiencing financial hardship
Same-Day Financing
- Instant approval financing for emergency situations
- Mobile application processing from the dental chair, if needed
- Emergency credit lines through our financing partners
- Rapid payment plan setup for urgent treatment needs
Hardship Assistance
- Charitable care consideration for qualifying patients
- Reduced fee schedules based on financial need assessment
- Community resource referrals for additional financial assistance
- Flexible payment arrangements for unexpected emergency costs
Simple Steps to Affordable Care
Application Requirements
- Valid identification and proof of income
- Banking information for automatic payment setup
- Credit check authorization for financing applications
- Treatment plan acceptance and estimated costs
Approval Process
- Instant decisions for most financing applications
- Alternative options if primary financing is declined
- Co-signer possibilities for improved approval odds
- Manual underwriting for unique financial situations
Account Management
- Online account access for payment tracking and management
- Automatic payment enrollment for convenient monthly payments
- Payment reminder systems via text, email, or phone
- Early payoff options without penalties or fees
FAQS
What financing options have the best terms?
CareCredit typically offers the most favorable terms with 0% interest for 6-24 months on qualifying purchases. The best option depends on your treatment cost and preferred payment timeline. Our financial coordinators will help you compare all available options to find the most suitable plan for your situation.
Can I get approved for financing with poor credit?
Yes, we work with multiple financing companies that consider various credit profiles. If traditional financing isn’t available, we offer in-house payment plans and can explore co-signer options. Our goal is to find a payment solution that works for every patient.
Are there any fees for payment plans?
Third-party financing may include interest charges after promotional periods. Our in-house payment plans typically have minimal or no fees for short-term arrangements. We’ll clearly explain all costs and terms before you commit to any payment plan.
Can I pay part with insurance and part with financing?
Absolutely. We coordinate insurance benefits with financing options to minimize your out-of-pocket costs. You can use insurance for covered portions and finance the remaining balance through any of our available payment options.
What happens if I can't make a payment?
Contact us immediately if you’re having difficulty making payments. We can often modify payment plans or arrange temporary payment deferrals. Communication is key, and we’re committed to working with patients experiencing financial difficulties.
Do you offer payment plans for cosmetic procedures?
Yes, all our payment options are available for cosmetic treatments, including teeth whitening, veneers, and smile makeovers. Since cosmetic procedures aren’t covered by insurance, financing can make these treatments very affordable with monthly payments.