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Insurance and Finances
Available Financing Options at the Center for Dental Health, Serving the greater Southeast Washington Area

Financial Information

Dr. Ostler’s office is well aware of the impact that quality dental treatment can have on the budget. We understand that one of the toughest discussions to have today is related to the costs associated with medical and dental care. We are therefore pleased to offer a variety of payment options to make quality dental care affordable so that this issue won’t keep you from enjoying the health and peace of mind you need and deserve. If you have any further questions after reviewing our financial information and policies, please contact our dental office directly at 509-946-6566.

Patients with dental insurance are invited to read the information about how insurance works by clicking here. This information will help you better understand your dental insurance benefits, and inform you on what to expect from your dental insurance company.

No one likes to be surprised when it comes to medical/dental fees and financial matters. This is why we have taken the extra step of listing our financial policy and information below for our current and prospective patients.

We are a private fee-for-service dental practice and therefore accept cash, checks, and common credit cards as listed below. For patients who wish to finance their dental treatment or make payments, we offer Dental Fee Plan(sm) and CareCredit©.

These outside financing plans offer a variety of options including a no-interest 12 month loan for dental treatment. You can link to their web sites by clicking on their image/logo above to learn more about them or to become pre-qualified ahead of your dental appointments click on the button below. Doing so will greatly enhance your treatment planning options.

Become pre-qualified ahead of your dental appointments with CareCredit

As a service to our patients, we are pleased to offer the CareCredit card, North America's leading patient payment program. CareCredit lets you begin your treatment immediately—then pay for it over time with low monthly payments that are easy to fit into your monthly budget. So, you can begin your dental care treatment today and conveniently pay with low, monthly payments.

CareCredit offers a full range of No Interest and Extended Payment Plans for treatment fees from $1 and up.

No Interest Payment Plans
3, 6, & 12 month plan options [Click for Details]
• No interest if the balance is paid within the specified time period
• Low minimum monthly payments

Extended Payment Plans
• 24, 36, 48, & 60 month plan options [Click for Details]
• For procedure fees from $1,000 and up
• 9.90% interest rate
• Monthly payments as low as $25 for a $1,000 fee balance

With CareCredit, you pay no up-front costs, no pre-payment penalties and no fees. Plus, CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply. It only takes a few minutes to apply for CareCredit and you'll receive an online decision in seconds! Apply now or see our staff for more details.

 

Become pre-qualified ahead of your dental appointments with CapitalOne

Capital One® Healthcare Finance makes elective dental procedures affordable for any budget. Use Capital One Healthcare Finance to pay for elective procedures, from $300 to $25,000.

We offer installment loans with low, fixed rates from 1.99% APR to 23.99% APR*, or interest-free loans** for 3, 6, 12, or 18 months to qualified applicants. Either way, you'll be able to find an option designed to fit within your budget.

Combine the cost of treatment among multiple specialists (e.g., cosmetic dentist, oral surgeon, and endodontist) in one loan with one affordable monthly payment.

Our program delivers other advantages like better terms than most credit cards.

All plans for dental treatment will be properly arranged financially prior to beginning treatment. For patients with dental insurance we will prepare all necessary paperwork and prepare your claim for submission to the insurance company. Dental patients (or responsible party) are financially responsible for all fees incurred regardless of insurance coverage or involvement. Fees are paid directly according to financial arrangements, and your insurance company will reimburse you directly.

Since insurance is not a “pay-all”, it seldom happens that insurance is meant to pay for all dental care. Therefore, we will do our best to help you maximize your insurance benefits, and otherwise help you to properly value and receive appropriate and necessary care in a manner that is fiscally responsible and represents sound health related judgment. (Read the special report on How Insurance Works)


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