EVER Dental Studio Financing Options
Flexible financing at EVER Dental Studio makes quality dental care in downtown Chicago accessible for every budget.
Quality Dental Care in Chicago Is More Accessible Than You Think
For many patients, the biggest barrier to getting the dental care they need is not the dentist. It is the cost. At EVER Dental Studio, Dr. Renee and our team are truly patient-focused, not financially driven. From accepting all major PPO insurance plans to offering third-party financing through multiple trusted partners, we have structured our payment options so that choosing the care you need feels like a realistic choice. If you are exploring your dental care options in Chicago, discover just how manageable great dentistry can be.
Financing Information
Multiple ways to pay, built around your needs.
At EVER Dental Studio, we accept all major PPO dental insurance plans and work directly with your provider to give you a complete picture of your benefits before treatment begins. That means no surprises. Our team contacts your insurance company to obtain a precise breakdown of what is covered, what is not, and your estimated out-of-pocket cost. For patients who want even more certainty before committing to a treatment plan, we can also request a pre-determination of benefits on your behalf.
For costs not covered by insurance, we offer a robust set of options. We have partnered with multiple third-party financing companies to give patients choices that fit their unique financial picture. We also offer an in-house financing plan for certain treatments, allowing patients to spread payments out without a credit application. For example, Invisalign patients can put down a $1,300 payment and finance the remaining balance in-house over 8 or 12 months, with no credit check required. Depending on insurance coverage, monthly payments for in-house plans can be as low as $85 to $100.
Our full list of accepted payment methods and financing options includes:
- Cash: Accepted for all treatments
- Major credit cards: All major cards accepted
- HSA/FSA: Health Savings Account and Flexible Spending Account payments accepted
- CareCredit: A widely used healthcare financing option
- Cherry: A third-party financing option that tends to approve a broad range of applicants
- Sunbit: A widely used healthcare financing option
- Proceed Finance: Designed for larger treatment cases, with approvals covering a wide range of treatment amounts
- In-house financing plans: Available for select treatments, with no credit check required
No matter which route makes the most sense for your budget, our team is here to walk you through every option before you make any decisions.
Process
Getting started with financing at EVER Dental Studio is a straightforward process from your first call to your first appointment.
Schedule a Consultation
Before any financial conversation, we want to understand what you are hoping to achieve. Whether it is a cosmetic refresh, an Invisalign treatment, or restorative work, your consultation gives Dr. Renee a chance to evaluate your needs and outline a recommended treatment plan.
Insurance Verification
Once we know the recommended treatment, our team contacts your insurance company to obtain a full breakdown of your benefits. We will explain exactly what your plan may cover across preventive, basic, and major care categories, and identify any out-of-pocket costs before anything begins.
Review Your Financing Options
After insurance verification, we walk you through all available financing options. If third-party financing through Cherry, CareCredit, Sunbit, or Proceed Finance makes sense, we will explain how each works. If in-house financing is a better fit, we will outline the down payment and monthly payment structure with no credit check required.
Begin Your Treatment
Once your payment plan is in place, treatment can begin. Our goal is to keep the financial process as smooth and transparent as possible so that by the time you are in the chair, the only thing on your mind is the results.
Understanding Your Insurance Coverage
Knowing what your plan covers makes planning for dental care much easier.
PPO dental insurance plans vary widely from carrier to carrier, and many patients are not fully aware of what their plan covers until they sit down with our team. At EVER Dental Studio, we work with all major PPO plans, including Aetna, BlueCross BlueShield, Cigna, Delta Dental, Guardian, Humana, MetLife, United Healthcare, and many others. We also accept United Concordia, which is a Medicare plan that tends to provide strong coverage for patients who carry it.
Coverage categories across most PPO plans generally fall into a few broad areas: preventive care, such as exams, cleanings, and X-rays, is often covered at a high percentage; basic care, such as fillings, is typically covered at a moderate level; and major care, such as crowns and implants, may be covered at a lower tier. Cosmetic procedures are most often classified as elective and may not be covered. Because every plan is different, our team contacts your provider directly rather than estimating, so you receive an accurate picture before committing to any treatment.
It is also worth noting that many patients with employer-provided dental benefits have access to HSA or FSA funds that can be applied directly to dental treatment. If you are unsure whether your HSA or FSA balance can be used toward a planned procedure, our team is happy to help you work through those details as part of your financial planning.
Frequently Asked Questions
Financing should not be confusing. Here are answers to some of the questions patients most often ask us about our payment options.
Do I need good credit to use financing at EVER Dental Studio?
Not necessarily. Our in-house financing option for select treatments like Invisalign does not require a credit check at all. For third-party options like Cherry, CareCredit, Sunbit, and Proceed Finance, each lender has its own approval process, but Cherry in particular tends to approve a wider range of applicants than other options.
Can I combine insurance benefits with a financing plan?
Yes. Many of our patients use their insurance coverage to reduce the total amount owed and then finance the remaining balance through an in-house plan or third-party lender. This approach can make monthly payments quite manageable, depending on your level of coverage.
What if I do not have dental insurance?
Patients without PPO insurance still have access to all of our third-party financing options as well as our in-house plans. We also offer a membership plan for patients who want an alternative to traditional insurance coverage. If you would like to learn more about membership plan details, our team is happy to go over the options with you directly.
Get In Touch
Secure and safe paid parking located on-site.
Phone
Office
Chicago, IL 60602