Finance & Insurance

An important part of our mission to provide compassionate and advanced dental care is making that care accessible.  We accept a broad range of insurances, methods of payments, and prodive financing opportunities through CareCredit.

  Payment Options

For patients without Dental Insurance,we offer a 5% courtesy discount for treatment over $500 and when paid in full the same day as treatment. For patients with dental insurance we are happy to work with your carrier to maximize your benefit and directly bill them for reimbursement for your treatment.*

  • Cash
  • Check**
  • Credit Card
  • Care Credit

Please note: Spencer Family Dentistry requires payment prior to the completion of your treatment, If you choose to discontinue care before treatment is complete, you will receive a refund less the cost of care received. *If we do not receive payment from your insurance carrier within 30 days, you will be responsible for payment of your treatment fees and collection of your benefits directly from your insurance carrier. **Spencer Family Dentistry charges $50 for returned checks.  

Insurances Accepted

We accept most major insurances. The following list is not comprehensive of all insurances we accept. If you do not see your insurance listed below, please call our office to speak with our staff regarding your specific insurance for coverage.

  • Blue Cross Blue Shield (BCBS)
  • Delta Dental
  • Signa Radius
  • Sunlife
  • Tricare
  • United Concordia
  • Please call for more . . .


CareCredit helps you pay for out-of-pocket expenses not covered by dental insurance by extending special financing options that you can’t get when using your Visa or MasterCard.  Pay for health, and wellness care at over 200,000 enrolled providers across the nation. Once you’ve applied, you can use it again and again at any location that accepts CareCredit. With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.*  CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. *   *See CareCredit Website for Details & Terms

Good Faith Estimates

Dental offices should provide uninsured/self-pay patients an estimate of their bill for dental items and services before those items or services are provided. Please click here to review our Good Faith Estimate Policy.


Copyrights ©2017: Spencer Family Dentistry P.C.