Financing & Insurance
We believe our patients should have affordable access to dental care. Everyone deserves to feel great and confident about themselves and their appearance. We offer financing options and payment plans so that you can afford the best possible care and services.
CareCredit® is a company that provides patients with credit for their elective procedures, offering short-term, 0% interest payment plans and low-interest, extended payment plans. CareCredit has no up-front costs, no fees, and no pre-payment penalties.
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Flex Spending Plans: Flexible spending plans can be used to cover the costs of dental health issues. Talk to your employer about setting aside money for you to put toward the costs of your treatment. It is a good idea to find out if you are a candidate before making such an election.
Simple monthly payments on your credit card
Choose from 3, 6 or 9 payments
We have partnered with Splitit to offer you a simple way to split the cost without the need to take out a new loan. Just use your existing credit card and you can choose to pay in 3, 6 or 9 installments, helping you manage your cash flow. There’s no additional interest, fees, applications or credit checks*.
How it works
Paying with Splitit is easy, secure, and convenient because it makes use of the credit you already have.
Step 1: Please ask for a Splitit link or QR code. You can receive the link via an email or SMS.
Step 2: Open the payment link on your browser or smartphone, complete your credit card details. You must have the full purchase amount available on your card.
Step 3: Choose your preferred plan from 3, 6 or 9 monthly payments and complete the transaction. A temporary authorization will be placed on your card for the full purchase amount.
Step 4: The first payment will be taken now. Each subsequent payment will be taken on the same day each month. No additional steps are required.
Frequently Asked Questions:
Is this a loan?
No, this is not a financing or lending product. We use the available credit on your existing credit card, that’s why there are no new applications or credit checks.
What cards can I use?
We accept VISA, Mastercard, and American Express. (Debit cards are not accepted).
Can I pay off my plan early?
Yes. This option is always available on the Splitit portal, or you can contact customer care for assistance.
Do I have to pay interest charges on my purchase?
When you make a purchase with Splitit, you will only be charged for one installment each month. The balance is reserved on your credit limit. Splitit will not charge interest or fees but your regular credit card terms will apply.
Will this affect my credit score?
There is no impact on your credit score. Each installment will show up as a normal charge in your account, with the rest of the total marked as “pending.” Even if a payment is declined, there’s no impact on your credit rating.
What is the difference between a payment and an authorization?
When you use Splitit for a purchase, there are two main things happening:
1. Payments: Regular installments that are charged to your card each month to cover the cost of your purchase. The first payment is taken right away, and the remaining payments are automatically deducted each month.
2. Authorizations: The full remaining balance of your purchase is temporarily set aside or “held” on your credit card. Since your installment plan is not facilitated by a loan, the hold is required to be able to guarantee your purchase. While this temporarily reduces your available credit, it is not a charge, and it will drop off after a short period of time.
*Splitit does not charge interest or fees. Your standard credit card T&Cs still apply.
Insurance Accepted
At NowDental of Suffolk, we make every effort to provide you with the finest care and the most convenient financial options. We will work with you and your insurance provider regarding potential reimbursement for covered procedures. If you have any problems or questions, please ask our staff. Please call if you have any questions or concerns regarding your initial visit, and be sure to bring your insurance information with you to the consultation so that we can expedite the process.
Insurance companies we typically work with include:
- AARP
- Aetna
- AIG
- Amerigroup
- Assurant Health
- Cigna
- Delta Dental
- Empire
- GEHA
- MetLife
- United Health Care
Cash, Credit, Or Check
We accept most major cards, including VISA®, MasterCard®, Discover®, and American Express®.