A treatment plan can bring real relief, right up until the estimate arrives. When the cost feels out of reach, many people wait, and small problems can grow into bigger and more expensive ones over the months that follow.
At Higher Standards Dental Studio, Dr. Rickin Vibhakar and our team want cost to be one less thing to worry about. We work with many PPO dental insurance plans in Decatur and offer flexible financing, so you can choose a payment plan that fits your budget. Our team walks you through each option before any treatment begins.
Cost keeps many people from the dentist. A 2022 CareQuest Institute survey found 43% of adults named cost as a reason they are likely to avoid dental care, up from 38% in 2021. Third-party financing through Cherry and CareCredit can help you move forward with care and pay over time. You apply with the lender and make your payments to them, not to our office.
Cherry lets you split the cost of treatment into predictable monthly payments. The application process takes just minutes and does not require a hard credit pull to check eligibility. For example, clear aligner treatment that may cost several thousand dollars upfront can be broken into a monthly payment that fits your budget.
CareCredit is a healthcare credit card that can be used for medical and dental expenses. It offers promotional financing options, including plans with low or no interest when balances are paid within a promotional period. Many patients use it for larger treatment plans, such as dental implants in Decatur, where spreading payments over time can make care more manageable.
Financing can help with many types of care at our office, from a single filling to a full treatment plan, including the following.
Our team can share an estimate up front, so you can compare monthly payment options before you commit. Payment terms depend on the lender and your approval.
Knowing how your plan works helps you get the most from every visit, and it can lower the amount you need to finance. We work with many PPO dental plans, and our team checks your benefits before treatment so you know what your plan may cover and what your share may be.
When you see an in-network dentist, your insurance company and the practice have a set fee agreement, which usually means lower out-of-pocket costs for covered care. Out-of-network dentists don’t have that agreement, so costs may be higher depending on your plan. Our team can tell you whether we are in-network with your plan before your first visit. If your insurance leaves a balance, Cherry or CareCredit can help you pay the rest over time.
Many patients use both. Your PPO plan may pay part of a crown or root canal, and financing can cover the remaining share. Our team can give you an estimate showing what insurance is expected to pay and what is left, so you can choose a monthly payment with confidence. Paying a balance over a few months may feel easier than waiting until you can pay it all at once. Before you apply, read the terms of any promotional period and plan your payments so the balance is paid on time.
Not having dental insurance does not mean going without care. Our in-house dental membership plans are built for patients who are uninsured, underinsured, or who simply want a plan without insurance paperwork, deductibles, or claim denials.
With one yearly fee, members receive routine preventive care and a discount on many restorative treatments. Self-employed patients, small business owners, and anyone between jobs often find it an easy way to stay on track. Dr. Vibhakar and our team offer the same judgment-free care to every patient, with or without insurance.
We offer a Preventive Care Plan for routine checkups and cleanings and a Periodontal Care Plan for patients who need ongoing gum care. Each plan lists its included visits and savings, so you know what you are paying for before you join. Both plans run for 12 months from your enrollment date.
Dr. Rickin Vibhakar and our team offer calm, judgment-free care on Decatur Square, backed by more than 10 years of experience and modern tools like 3D CBCT imaging. We work with many PPO plans and offer flexible financing to help care fit your budget.
Whether you need a checkup, a repair, or a fresh smile, we look forward to meeting you. Schedule your appointment at our Decatur studio today.
