Medically Reviewed by Esteem Dental And Orthodontic Team on December 2, 2025
Investing in quality dental care is an investment in your overall health and confidence, but the cost of treatment can sometimes feel overwhelming. Many patients delay necessary procedures because they’re unsure about how to manage the financial aspect of their dental care. Fortunately, numerous financing options exist to help make dental treatment accessible and affordable for families across Winter Garden and Lake Nona.
At Esteem Dental, we understand that financial concerns shouldn’t keep you from getting the dental care you need. Our team works with patients to explore various payment solutions, ensuring that everyone can access our comprehensive dental services without compromising their budget or delaying essential treatment.
Understanding Your Insurance Benefits
Most dental insurance plans partially cover preventive treatments like cleanings and basic procedures, while more extensive treatments may require a higher out-of-pocket investment. We accept most major insurance plans, including Aetna PPO, Blue Cross Blue Shield PPO, Cigna PPO, Delta, UnitedHealthcare PPO, and Medicare. Our knowledgeable insurance coordinators work directly with your provider to maximize your benefits and explain your coverage in clear terms.
When planning your treatment, we provide detailed estimates that show exactly what your insurance will cover and what your expected out-of-pocket costs will be. Understanding your benefits helps you make informed decisions about your dental care timing and budget accordingly for procedures that may require additional investment.
Third-Party Financing Solutions
Several specialized healthcare financing companies offer flexible payment plans especially created for medical and dental procedures. Care Credit provides promotional interest-free periods ranging from six months to several years, depending on the treatment cost. This allows you to spread payments over time without accruing interest when you pay within the promotional period.
Lending Club offers personal loans specifically for healthcare expenses, with fixed interest rates and predictable monthly payments. These loans can cover everything from routine dental work to comprehensive smile makeovers, giving you the flexibility to receive treatment when you need it most rather than waiting to save the full amount.
Cherry financing has become increasingly popular for its quick approval process and user-friendly payment calculators. Many patients appreciate being able to see their estimated monthly payments before committing to treatment, making it easier to budget for their dental care.
In-Office Payment Plans
Many dental practices, including Esteem Dental, offer flexible in-house financing arrangements. These plans often come with lower fees than third-party financing and can be customized to fit your specific financial situation. Payment plans might spread treatment costs over several months or even years, making expensive procedures more manageable for families on tight budgets.
Some practices also offer cash discounts for patients who can pay for their treatment upfront. These discounts can range from five to ten percent off the total treatment cost, providing immediate savings for those with available funds.
Health Savings Accounts and Flexible Spending Accounts
If your employer provides Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), dental treatment often qualifies for reimbursement. These allow you to set aside pre-tax dollars specifically for medical expenses, effectively reducing the overall cost of your dental care by your tax rate.
HSAs offer the additional advantage of rolling over unused funds from year to year, making them ideal for planning larger dental treatments. FSAs typically require you to use allocated funds within the plan year, making them better suited for anticipated treatments or routine care.
Dental Membership Plans
Some practices offer annual membership plans for patients without traditional insurance coverage. These plans typically include preventive services like cleanings and X-rays at no additional cost, plus discounted rates on other treatments. Membership fees often range from $200 to $400 annually, making them cost-effective for patients who need regular dental care but lack insurance coverage.
These plans also eliminate the complexity of dealing with insurance companies, providing transparent pricing and immediate access to services. Many families find membership plans particularly valuable when multiple family members need dental care throughout the year.
Planning for Your Dental Investment
Start by discussing your treatment needs and timeline with your dental team. Understanding which procedures are urgent versus elective helps you prioritize your spending and take advantage of insurance benefits across multiple calendar years. Some treatments can be phased to spread costs over time while still achieving optimal results.
Consider timing larger treatments at the beginning of the year when your insurance benefits reset, giving you access to fresh coverage amounts. Creating a dental savings fund, even if you contribute just $25-50 monthly, can help offset out-of-pocket costs when you need treatment.
Comprehensive Dental Care at Esteem Dental
At Esteem Dental, we believe financial concerns should never prevent families from receiving quality dental care. Our team works with patients to explore all available financing options, from insurance coordination to flexible payment plans. With locations in both Winter Garden and Lake Nona, we provide convenient access to comprehensive dental services for the entire family.
Dr. Jordan Jones and our experienced team are committed to helping you get optimal oral health while respecting your budget. Contact us today to discuss financing options for your dental treatment and schedule your consultation.
Dr. Jordan Jones, DDS
Dr. Jordan Jones leads the experienced team at Esteem Dental, providing comprehensive family dental care to the Winter Garden and Lake Nona communities. With a focus on general dentistry, pediatric care, and orthodontics, Dr. Jones combines advanced techniques with a compassionate approach to ensure every patient receives personalized, quality treatment in a comfortable environment.
✓ Medically Reviewed
