Patients · Payment & Financing
Payment options at Dream Dental.
We want great care to feel easy to pay for. Here is exactly how billing works at our office — no silent surprises, no marketing math.
How it works
Honest billing, every visit.
You get an estimate upfront
Before treatment begins, we walk through exactly what your visit will cost and what your insurance covers. You decide before we start.
You pay at the end of the visit
Your patient portion is due at check-out. We accept most modern payment methods, including HSA and FSA cards for eligible care.
You see every receipt in your portal
Every itemized receipt, claim status, and statement lives in your patient portal — so there is always a clear record.
Payment methods
We accept the way you want to pay.
- Cash
- Credit & debit cards
- HSA / FSA cards
- Apple Pay & Google Pay
- ACH bank transfer
HSA & FSA
Use your tax-advantaged dollars here.
Most dental care is HSA / FSA eligible — including cleanings, fillings, crowns, root canals, and orthodontics. Cosmetic treatments like whitening typically do not qualify. Bring your HSA / FSA card to your visit, or pay another way and submit the itemized receipt to your administrator.
Financing
Financing options we partner with.
For larger treatment plans, our financing partners can help you spread payments over time with terms that work for your budget.
CareCredit
Health & wellness credit card with promotional 0% APR financing for qualifying purchases over $200.
Learn moreSunbit
Soft credit check, fast pre-approval, flexible monthly payments for treatment plans of any size.
Learn moreCancellations & no-shows
Our cancellation policy.
We ask for 24 hours notice when you need to cancel or reschedule. Life happens, so we'll always try to work with you — just call or message us as soon as you know. If you no-show without letting us know, we may ask for a small deposit to hold your next visit. We promise to be reasonable about it.
Billing questions, answered.
When do I pay?
Questions about your bill?
Reach out — we’ll walk you through anything that doesn’t look right.