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Dental Payment Plan Options Richmond TX - Best Dental
0% Interest Options · Richmond, TX

Dental Payment Plans
in Richmond, TX

Quality dental care shouldn't be financially out of reach. Best Dental offers flexible payment solutions so finances never prevent you from achieving optimal oral health.

CareCredit Cherry Financing HSA Accepted FSA Accepted Visa · MC · Amex Contactless Pay In-House Plans Most Insurance
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Our Payment Options

Multiple ways to pay — often combined — to make any treatment affordable for any budget.

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CareCredit & Cherry

0% promotional financing and flexible terms through trusted third-party healthcare lenders with higher approval rates.

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HSA & FSA

We accept Health Savings Accounts and Flexible Spending Accounts — use pre-tax dollars to pay for any qualifying dental treatment.

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Major Credit Cards

Visa, Mastercard, American Express, Discover, and debit cards accepted. Contactless and tap-to-pay supported at the front desk.

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In-House Payment Plans

Customized payment schedules arranged directly with our office — no credit check required, based on income and ability to pay.

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Insurance Maximization

We accept Delta Dental, Aetna, BCBS, Cigna, Guardian, MetLife, UnitedHealthcare, and most PPO plans.

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Dental Discount Plan

No insurance? Our in-house membership provides 15–50% discounts on all services for an affordable annual fee.

Our financial coordinators take the time to explain all available options, answer your questions, and help you choose the payment solution that works best for your circumstances. We can often structure a combined approach — using insurance, HSA/FSA, and financing together — to minimize your out-of-pocket cost significantly.

CareCredit Healthcare Financing

The leading healthcare credit card — accepted at Best Dental and over 250,000 providers nationwide.

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CareCredit Benefits

Promotional 0% financing and extended payment options for larger treatments

0% promotional financing — no interest if paid within 6, 12, 18, or 24 months depending on purchase amount
Quick approval — apply online or in-office with an instant decision in most cases
High credit limits — larger limits than typical credit cards, ideal for extensive dental work
Reusable — once approved, use for future appointments and other healthcare needs
No annual fee — free to carry and use for any healthcare expense
Extended payment options — longer terms available for major procedures with reduced APR

How CareCredit Works

Apply before or during your dental appointment. If approved, you receive a credit line available immediately for treatment. Choose promotional financing (0% if paid within your timeframe) or extended payment plans (fixed monthly payments with reduced APR). Payments are made directly to CareCredit each month — not to our office.

Cherry Dental Financing

A modern financing alternative designed to approve more patients — including those who may not qualify for traditional healthcare credit cards. Learn more at our Cherry financing guide.

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Cherry Payment Plans

Flexible patient financing with higher approval rates and soft credit checks

Higher approval rates — Cherry approves more patients than traditional lenders, including those with less-than-perfect credit
Soft credit check — checking your eligibility won't impact your credit score
Flexible payment terms — choose from 3, 6, 12, 18, or 24-month plans to fit your budget
Fast approvals — get a decision in seconds with a simple online or in-office application
Transparent terms — clear, straightforward payment schedules with no hidden fees
No prepayment penalty — pay off your balance early at any time without fees
Reusable credit — once approved, use Cherry for future dental treatments as well

Cherry vs. CareCredit: What's the Difference?

🍒 Cherry
Higher approval rates for all credit types · Soft credit check · Instant digital approval · Flexible 3–24 month terms · No promotional period requirements
💳 CareCredit
0% promotional periods available · Accepted at 250,000+ providers · Reusable for all healthcare · Best for those with fair-to-excellent credit · Higher limits for large treatments

Not sure which is right for you? Our financial coordinators will walk you through both options and help you apply for whichever best fits your credit profile and treatment cost.

HSA & FSA Accepted

Best Dental accepts Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) — one of the smartest ways to pay for dental care using pre-tax dollars.

HSA FSA Pay With Pre-Tax Dollars

HSA and FSA funds can be used for virtually all dental services at Best Dental — from routine cleanings and X-rays to major restorative work, implants, and orthodontics. Using pre-tax HSA or FSA dollars effectively gives you a 20–37% discount depending on your tax bracket, making it one of the most cost-effective ways to pay for dental care.

Routine cleanings & exams
Dental X-rays & imaging
Fillings, crowns & bridges
Root canals & extractions
Dental implants
Orthodontics & Invisalign
Oral surgery & wisdom teeth
Night guards & appliances
Sedation dentistry
Emergency dental care
Pro tip — combine HSA/FSA with financing: Use your HSA or FSA balance to cover part of your treatment, then finance any remaining balance through CareCredit or an in-house plan. This maximizes your pre-tax savings while keeping monthly payments low. Ask our financial coordinator to help you structure this.

Credit Cards & Contactless Payment

We accept all major credit and debit cards, including contactless and tap-to-pay options at our front desk.

💳 Accepted Payment Methods at Best Dental

Visa
Mastercard
American Express
Discover
Debit Cards
HSA Cards
FSA Cards
Apple Pay
Google Pay
Contactless / Tap-to-Pay
Cash
Check
CareCredit
Cherry Financing

All card payments are processed securely. Online payments can also be made through our patient portal. View our pricing page for service cost estimates before your visit.

In-House Payment Plans

Prefer to work directly with our team? Our in-house arrangements offer flexible, no-credit-check solutions customized to your situation.

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In-House Plan Features

Customized payment schedules arranged directly with Best Dental

No credit check required — approval based on income and payment history, not credit score
Often 0% interest — many plans carry no interest when payment terms are met
Flexible terms — payment schedules customized to your monthly budget
Lower down payment options — accessible entry points to begin treatment
Direct relationship — work with our team throughout your entire payment period
Fast approval — can often be arranged during the same consultation visit

How In-House Plans Work

During your consultation, discuss treatment costs with our financial coordinator. Based on the total amount and your budget, we create a customized payment schedule — typically requiring a down payment (10–30% of total) with the remaining balance divided into monthly installments. Most plans complete within 6–24 months depending on treatment cost.

No Insurance? Our Discount Plan

Best Dental's in-house membership plan gives uninsured patients access to significant discounts on all services — no insurance company involvement, no waiting periods.

Best Dental Discount Plan Membership

For an affordable annual membership fee, you receive immediate access to discounted pricing across all our services — from routine cleanings to major restorative procedures and specialty care. There are no deductibles, no annual claim limits, no pre-authorization requirements, and no waiting periods. Just straightforward savings from day one.

15–50% discounts on all services
No waiting periods — savings start immediately
No deductibles or annual maximums
No claim forms or insurance paperwork
Covers preventive, restorative, cosmetic & specialty care
Combine with payment plans for maximum affordability
Family membership options available
Straightforward annual fee — predictable cost
Learn About the Discount Plan →

Dental Insurance We Accept

Best Dental accepts most major PPO dental insurance plans and works diligently to maximize every benefit you're entitled to receive.

Insurance Networks Accepted at Best Dental

Delta Dental Aetna BCBS Cigna Guardian MetLife UnitedHealthcare Most PPO Plans
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Pre-treatment verification — we verify coverage and estimate costs before treatment begins so there are no surprises
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Benefits explanation — clear breakdown of what insurance covers and your expected out-of-pocket costs before you commit
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Claims filing — we submit all claims electronically and handle all paperwork on your behalf
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Annual maximum tracking — we monitor your benefit usage to help you maximize coverage across the calendar year
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Appeals assistance — if claims are denied, we help file appeals with full supporting documentation
Combining insurance with HSA/FSA and financing: For treatments exceeding coverage, apply your insurance benefit first, use HSA/FSA funds for your portion, then finance any remaining balance through CareCredit or an in-house plan. This approach often eliminates or dramatically reduces your out-of-pocket cost. Our financial coordinators specialize in structuring this three-way combination.
Not sure if we take your plan? Use our insurance verification tool or call us at (281) 215-3065 and we'll check your benefits same-day. We do not currently accept Medicaid or CHIP.

Treatments We Finance

Payment plans and HSA/FSA are available for virtually any treatment — from major restorations to cosmetic enhancements to unexpected emergencies.

Dental Implants

$3,000–$5,000 per tooth

Replace missing teeth with permanent implant solutions. Financing and HSA/FSA make the investment manageable.

Learn about dental implants →

Invisalign & Orthodontics

$3,500–$8,000

Straighten teeth with clear aligners or traditional braces, spread over 12–24 months of comfortable payments.

Learn about Invisalign →

Cosmetic Dentistry

Varies by treatment

Veneers, smile makeovers, and whitening — finance aesthetic improvements for a more confident smile.

Explore cosmetic options →

Restorative Work

$800–$2,500+

Crowns, bridges, and dentures — HSA/FSA-eligible and financeable to make essential work accessible.

Learn about crowns →

Oral Surgery

$200–$3,000+

Wisdom teeth removal, extractions, and bone grafting — HSA/FSA-eligible, financeable, no delays necessary.

Wisdom teeth info →

Emergency Dental Care

Urgent treatment

Dental emergencies don't wait for payday. Payment plans and HSA/FSA are available for urgent treatment.

Emergency care info →

Frequently Asked Questions

Do you accept HSA and FSA cards? ▾
Yes — Best Dental accepts both Health Savings Account (HSA) and Flexible Spending Account (FSA) cards for all qualifying dental services. Most dental treatments are HSA/FSA-eligible, including cleanings, X-rays, fillings, crowns, implants, oral surgery, orthodontics, night guards, and emergency care. Simply bring your HSA or FSA card and we'll process it like a regular debit card. Using pre-tax HSA/FSA dollars effectively lowers your treatment cost by 20–37% depending on your tax bracket.
What credit cards and payment methods do you accept? ▾
We accept Visa, Mastercard, American Express, Discover, and all major debit cards. We also support contactless and tap-to-pay options including Apple Pay and Google Pay at our front desk. HSA and FSA cards are accepted just like regular debit cards. Cash and checks are also welcome. For online payments, you can pay through our patient portal as well. View our pricing page for service estimates before your appointment.
What if I have no dental insurance? ▾
No insurance? No problem. Best Dental offers two great options for uninsured patients: our Dental Discount Plan, an in-house membership that provides 15–50% discounts on all services for an annual fee with no waiting periods or claim limits; and our flexible payment plans through CareCredit, Cherry financing, or in-house arrangements. Many uninsured patients combine the discount plan with a payment plan to get the most affordable path to care.
What if I have bad credit? ▾
Bad credit doesn't prevent dental treatment at Best Dental. While CareCredit requires fair credit, Cherry financing approves more patients including those with less-than-perfect credit. Our in-house payment plans don't require credit checks at all — we base approval on income and ability to make monthly payments. Our Dental Discount Plan also reduces treatment costs without any financing. We work with every patient to find an affordable solution regardless of credit history.
Which insurance plans do you accept? ▾
We accept most major PPO dental insurance plans including Delta Dental, Aetna, Blue Cross Blue Shield, Cigna, Guardian, MetLife, and UnitedHealthcare. We do not currently accept Medicaid or CHIP. If you're unsure whether we accept your plan, use our insurance verification tool or call us at (281) 215-3065 — we'll check your benefits same-day at no charge.
Can I use my HSA or FSA to pay for cosmetic dentistry? ▾
Generally, HSA and FSA funds can only be used for medically necessary dental treatments — not purely cosmetic procedures. Teeth whitening and elective veneers for cosmetic purposes are typically not covered. However, many treatments that also have a cosmetic benefit (such as dental crowns, bonding to repair damaged teeth, or orthodontics for bite correction) are HSA/FSA-eligible. Our financial coordinator can help identify which portions of your treatment qualify for HSA/FSA coverage.
Can I combine insurance with HSA/FSA and a payment plan? ▾
Absolutely — this is actually the most effective approach. Insurance pays its portion first, you use HSA/FSA pre-tax dollars for your co-pay or remaining balance, and if anything is left you finance it through CareCredit or an in-house plan. This three-way combination often dramatically reduces or eliminates your out-of-pocket costs. Our financial coordinators specialize in structuring this for patients with larger treatment needs.
Can I pay off my balance early? ▾
Yes — both CareCredit and our in-house plans allow early payoff without penalty. Paying off CareCredit promotional balances before the deadline ensures you avoid all interest charges. In-house plans benefit from early payoff by reducing total obligation. We always encourage patients to pay extra when possible.
Does insurance cover the entire treatment? ▾
Rarely. Most plans have annual maximums ($1,000–$2,000) and cover procedures at different percentages — preventive at 100%, basic at 80%, major at 50%. Insurance helps significantly reduce costs but rarely covers 100% of treatment. We estimate your insurance coverage before treatment begins so you always know your expected out-of-pocket cost, and we help you use HSA/FSA and financing to cover the balance.
How long do payment plans last? ▾
CareCredit promotional periods run 6–24 months at 0% interest; extended plans run 24–60 months with reduced APR and fixed monthly payments. In-house plans typically span 6–24 months. We work with you to set monthly payments that fit your budget — which determines the plan length. Shorter plans mean less interest but higher payments; longer plans are more manageable but cost slightly more overall.

Key Takeaways About Our Payment Options

HSA and FSA cards accepted for all qualifying dental treatments
Visa, Mastercard, Amex, Discover, debit, Apple Pay, Google Pay & contactless all accepted
CareCredit offers 0% promotional financing for 6–24 months
Cherry financing approves more patients with a soft credit check
In-house plans require no credit check — based on income and ability to pay
Dental Discount Plan: 15–50% off all services for uninsured patients
Delta Dental, Aetna, BCBS, Cigna, Guardian, MetLife, UnitedHealthcare accepted
Insurance + HSA/FSA + financing can be combined to minimize out-of-pocket cost
Pre-treatment cost estimates provided before you commit to any plan
No penalty for early payoff on any payment plan
Online payment available through our secure patient portal
We do not accept Medicaid or CHIP — see our Discount Plan for uninsured options

Get the Dental Care You Need Today

Don't let financial concerns delay necessary treatment. Whether you're paying with insurance, HSA/FSA, a credit card, or a payment plan — we'll find a solution that works.

Schedule Consultation Call (281) 215-3065
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What Our Patients Say

Recent Google Reviews from our patients in Richmond, TX

4.9 on Google
DQ
Deborah Queen
Richmond, TX

Dr. Jasmine and the entire team are exceptional! I began my treatment approximately four years and four months ago. I had a complex dental issue that required various treatments, including extractions and orthodontic care. They handled everything with such professionalism and care.

RW
Robyn Wheaton
Richmond, TX

This Dentists office puts you at ease the minute you walk in the door. The receptionist is polite and professional. I got in the exam room and was offered a blanket due to my being cool. Exemplary services!

AG
Athena Greenhill
Richmond, TX

Absolutely LOVE Best Dental/Wisdom Teeth Factory. My daughter had all 4 wisdom teeth removed fast and efficient. There were no issues after and had to come back for possible root canal and even that process has been amazing.

DS
Deborah Scott
Richmond, TX

The best. Loving, caring and genuine. They are straight to the point, but with concern. Two years ago I took my son here to have a wisdom tooth removed because our former dentist found it too complicated. Dr. Sonny took one look and the tooth was out like a bad baseball player. So glad to have found them.

MJ
Maria Johnson
Richmond, TX

Fantastic dental office! The staff is incredibly welcoming and professional. Dr. Jasmine explained every step of my treatment plan clearly. The office is modern and clean. I've been to many dentists in Houston, and this is by far the best experience I've had. Highly recommend!

RC
Robert Chen
Rosenberg, TX

Best dental experience I've ever had! Got my Invisalign treatment here and the results are amazing. Dr. Jasmine was patient with all my questions and the payment plan made it very affordable. The whole team treats you like family. Worth the drive from Rosenberg!

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