Care Made Accessible
Financing Options at Valley View Dental
At Valley View Dental, we believe patients should have clear information about the cost of their dental care. Our team can review estimated treatment costs, accepted payment methods, and available financing resources before treatment begins, helping you make informed decisions about your care with confidence.
Multiple Financing Choices
Qualified patients may apply for third-party financing through CareCredit, Cherry, or Alphaeon. Financing is provided by these independent companies and is subject to their approval and terms.
Support Beyond Insurance
For patients without traditional dental insurance, our team can walk you through available options so you can still move forward with needed care.
Guidance Before Treatment
Before beginning care, we can help you understand estimated costs, payment options, and available resources so there are fewer surprises.
CareCredit offers monthly payment options that can help patients manage dental treatment costs with more flexibility and confidence.
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Payment Flexibility
Third-Party Financing Options
CareCredit, Cherry, and Alphaeon offer financing options that may help qualified patients manage dental treatment costs. Applications, approvals, repayment terms, and account servicing are handled directly by each provider.
Payment Questions
Financing FAQs
Have questions about financing, accepted payment methods, or available discounts? These answers can help you understand your options and plan your dental care with confidence.
- What payment and financing options does Valley View Dental offer?
- Valley View Dental offers several ways to pay. The practice is in-network with Delta Dental and accepts many PPO plans, and qualified patients can apply for third-party financing through CareCredit, Cherry, or Alphaeon. For patients without insurance, there is an in-house membership plan (Standard $550 per year, Holistic $600 per year, or Gum Therapy $1,050 per year), plus a 5% discount for cash or check paid on the day of service.
- How do I apply for CareCredit at Valley View Dental?
- You can apply for CareCredit online through the link on the Valley View Dental website, or ask the front-desk team to help you start an application at the office. Approval, credit limits, and repayment terms are set by CareCredit, not the practice. Once approved, you can use your account for eligible treatment, and the team can help estimate costs beforehand so you know what to finance.
- Are there payment plans for larger or more extensive dental treatments?
- Yes. For larger treatment plans, such as multiple restorations, crowns, or dental implants, qualified patients can spread costs into monthly payments through CareCredit, Cherry, or Alphaeon. CareCredit offers promotional no-interest periods of 6, 12, 18, or 24 months if paid in full, with reduced-APR options for longer terms. The team can phase treatment and review estimates so payments fit your budget.
- Does Valley View Dental offer a cash discount?
- Yes. Patients who pay by cash or check on the day of service receive a 5% discount at Valley View Dental. The discount is part of the practice's options for patients without traditional dental insurance, alongside the in-house membership plan. Ask the front-desk team how the discount applies to your specific treatment and whether it can be combined with other offers.
- Can financing be used for cosmetic dental treatments?
- Yes. Third-party financing such as CareCredit, Cherry, or Alphaeon can generally be used for both necessary and elective care, including cosmetic dentistry like Philips Zoom whitening, porcelain veneers, and bonding. Because cosmetic treatment is often not covered by dental insurance, financing can help spread the cost over several months. Terms and approval are set by each lender.
- Do I need an appointment to discuss financing options?
- An appointment is not required, but it helps. Calling or visiting Valley View Dental in St. Peter lets the team review your estimated treatment costs, your Delta Dental or PPO benefits, membership plan options, and financing choices before care begins. Many patients find it easiest to discuss payment during their exam or treatment-planning visit, so there are fewer surprises later.
