Interest-Free Financing

 

 

 Everyone is eligible for our 0% interest in-house financing, regardless of credit history!

In order to apply your treatment costs to our financing plan, the following requirements must be met:

 

- $300 minimum out-of-pocket expense*

- Down payment required:

- 50% down if all expenses are out-of-pocket (no more than 3 monthly payments)

- 50% down if insurance pays less than 80% of your treatment (no more than 3 monthly payments)

 

Additional Limitations:

 

- Treatment costs are not eligible for discounts (uninsured patient discount, senior discount, etc) if you choose to use our financing.

- Patients using certain discount plans, such as FourStar, are NOT eligible for our financing. Check with our office for more details.

 

 

*Out-of-pocket expense means any amount for which you are responsible. This does not include any amount which your insurance pays.

 

 

Example 1: No Insurance

You are uninsured and you require treatment which totals $450. You can pay in full and receive a 5% discount, or choose to finance the full $450:

- Down Payment (50%) = $225

- Remaining balance = $225 divided by 6 = $37.50 per month for 6 months

 

Example 2: No Insurance

You are uninsured and you require treatment which totals $200. You are NOT eligible for financing because your expense totals less than $300. You must pay in full. You will still receive a 5% discount for being uninsured and paying in full.

 

Example 3: Insurance

You have insurance which pays 50% of your treatment costs.

Your treatment totals $450. You are NOT eligible for financing because your insurance pays 50% ($225) of your treatment, leaving you with an out-of-pocket expense of $225, which is less than the $300 minimum. You must pay in full. You are not eligible for any additional discounts.

 

Example 4: Insurance

You have insurance which pays 80% of your treatment costs.

Your treatment totals $1500. Your insurance will pay 80% ($1200) of your treatment, leaving you with an out-of-pocket expense of $300. You can choose to pay this in full or finance the amount:

- Down Payment = $0

- Remaining balance = $300 divided by 6 = $50.00 per month for 6 months.

 

Example 5: Insurance

You have insurance which pays 60% of your treatment costs. Your treatment totals $1200. Your insurance will pay 60% ($720) of your treatment, leaving you with an out-of-pocket expense of $480. You can choose to pay in full or finance the amount:

- Down Payment (20%): $96.00

- Remaining balance: $384 divided by 6 = $64.00 per month for 6 months