Payment and Financing

Profile of brown-haired woman in a white shirt smiling at man with glasses in a blue button-down shirt handing her a credit card.

We recognize that while your dental health is important to you, affording the treatment you need may cause budget concerns even with dental insurance. We have developed a number of financial options to fit nearly any budget. If you have questions or would like to discuss which option might work best for you, please call our office at (314) 921-3527. 

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Dental Insurance

Dental insurance has become incredibly complex, with plans and coverage varying drastically depending on your insurance provider and the choices your employer makes. In fact, many dental offices no longer accept any dental insurance plans, much less file your dental insurance claim for you. However, as a service to our patients, we verify your insurance and go the extra mile to file your claim.

We are in network with a number of dental benefits plans, however in and out of network status sometimes changes so we ask that you call your insurance provider to ensure our practice is currently in-network prior to your appointment.

If you have PPO Insurance or an indemnity policy, we will file the dental claims on your behalf. Please bring a copy of your insurance card with you to your appointment. While we do ask that you make all payments for your dental care at the time of service, we will work hard to assist in obtaining the dental benefits due to you. While you may not know the exact steps (or simply do not have the time) to file your dental insurance claim, we do! We will submit your insurance claim with all necessary information at the time of your visit and will follow-up with your dental insurance company to see that they process your claim in a timely manner. At Boain Dental Care and Boain Dental Care South, we want you to feel as if you are a member of the family, and this is a simple courtesy that we extend to all of our valued patients!

Please feel free to contact our office with any questions regarding our policy or your benefits.

CareCredit

Our office also accepts financing through CareCredit. Unlike a regular credit card, CareCredit offers shorter term financing options of 6, 12, 18 or 24 months with no interest on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date. You can use CareCredit for deductibles, co-pays, coinsurance and costs for procedures not covered by insurance. And, once you’ve applied, you can use it again and again.

CareCredit also extends longer term financing for 24, 36, 48 or 60-month periods with reduced APR and Fixed Monthly Payments Required Until Paid in Full. For complete details, including interest rates and terms, see the CareCredit account agreement within the credit applications. All offers are subject to credit approval. Terms and conditions are subject to change and the practice will provide all options that are current at the time of treatment.

The process to apply for CareCredit is quick and easy. Simply go to https://www.carecredit.com/go/486BNX (Boain Dental Care) / https://www.carecredit.com/go/ZTC239 (Boain Dental Care South) or click on the CareCredit link below to complete the online application and you’ll receive an instant credit decision.

 

Care Credit Logo, accepted at Boain Dental Care

Cash, Checks and Credit Cards

We are happy to accept cash, checks, VISA, MasterCard, Discover and CareCredit cards. In order to ensure we can continue to provide the highest level of care for years to come, we do now ask that you make all payments for your dental care at the time of service. Again, we understand that dental care can be costly in some cases and we highly recommend you continue reading or talk with our office about financing options and what works best for you.

 

 

GreenState Credit Union

We are pleased to offer a variety of flexible payment plans through GreenState Credit Union. Payment plan options include 0% (no interest) for 6, 12, or 18 months and low rate extended plans for 36, 48, 60 and 72 months. All payment plans have a fixed interest rate and fixed monthly payment. Terms and conditions are subject to change and the practice will provide all options that are current at the time of treatment.

We can help identify a payment plan that is comfortable for you and your budget based on your dental care costs. To discuss, please call our office at 314-921-3527 or you can click the button below and apply online today! Once your application is complete, our office will work directly with GreenState to complete the financing of your balance.

 

Green State Credit Union logo.

CommerceCare™

Get the elective care you want now and pay overtime. Commerce Bank® has partnered with Boain Dental Care to bring you CommerceCare™, a fast, flexible, and patient-friendly extended financing solution. With two convenient plans, you choose the option that works best for you!

Your CommerceCare™ Options:
Promotional Rate Line of Credit: 0% APR for 12 months – 21.99% fixed APR afterwards
Low Interest Line of Credit: Prime* + 7.49% variable APR

How CommerceCare Benefits You:

  • Low monthly payments – minimum monthly payment amount $50 or 2% of the outstanding balance
  • Quick and easy online approval – apply from any device
  • No deferred interest, no origination fee, and no early payoff penalty
  • Finance balances up to $30,000
  • Pay online, by phone, or by mail

* The Prime Rate is published in The Wall Street Journal in its “Money Rate” column on the last day of each month.

 

Commerce Bank, Member FDIC logo