Financial Payment Plans We offer several options to help finance the dental needs for you or your family

Care Credit


Care Credit acts like a dental credit card from a third party. Monthly payments are arranged and you are able to receive the immediate care you need without worrying how to pay for all the treatment up front...

Insurance Expenses
vs Out-of-Pocket


We accept most dental insurances. Dental insurance companies normally allot a total amount of dollars annually towards qualified exams and treatment; whereas if cash were paid in full for treatment then the total amount due is normally reduced a courtesy rate...

Millenium Dental Savings Plan


This is a discount savings plan. The annual membership covers two exams yearly, x-rays, and simple cleanings and up to 20% discounts towards other treatment. We eliminate the 3rd party so you can get the treatment needed without limitations from your dental insurance...


Think of it as a credit card for dental care purposes


CareCredit is designed exclusively to help patients with large dental cases. It allows you to promptly receive the treatment that you need while arranging payments in small increments based on your timetable. Best way to imagine it is as a credit card for dental care.


The interest rates for these loans will vary but seem to be around 14.9%--they do advertise that this rate may be flexible. Monthly payments could extend up to 5 years (60 payments) depending on your case. There is no prepayment penalty and no annual fees. We can assist you in contacting CareCredit from our office. If you wish to contact them yourself you may do so by visiting their website at or call their office at 1(800) 677-0718. 

Care Credit
Insurance Coverage



Our practice is currently enrolled with ODS-Delta Dental (Moda) and Cigna. We do accept most dental insurance plans though.


Please fill out your insurance form prior to your initial visit so we can contact your dental insurance company and analyze your potential insurance coverage. Most often we can only give you estimates of what your insurance will cover as well as your financial responsibility. Understand that most plans cover anywhere between 40-80% of your total dental expenses, and there may be some treatments that we provide that may not be covered at all by your dental insurance. After your dental insurance pays their portion, the remaining amount of the uncollected expenses will become your responsibility. If your insurance company were to not pay for your portion within 60 days after the filed claim, legally it becomes the patient's repsonsibility to pay for the total amount. We ask that your copayments be made during your dental visit.


Many dental insurances may also state that they will pay 80% of a treatment for example. However, their percentage may be 80% of their own predetermined price that may not reflect our dental practice's actual treatment value. This only adds more expenses owed by you instead of the insurance company.  Under those circumstances our dental practice recommends either switching dental insurance, paying cash instead, or heavily consider our Millenial Plan that eliminates a 3rd-party dental insurance all together.


Unfortunately we do not accept any OHP (Oregon Health Plans). If you do have OHP and are seeking treatment we highly encourage you to contact:


Siskiyou Community Health Center in Grants Pass by calling (541) 479-6393

La Clinica in the Medford areas by calling (541) 512-3900

Out-of-Pocket Expenses



We ask that you pay for treatment at the time of your visit. Exceptions are made when a payment plan is agreed upon. We accept personal checks, money orders, debit cards, some credit cards, and now PayPal on-line.

Balances that are unpaid 60-days overdue will incur financial charges of 18%APR. Below lists several formats::


  • Pre-Payment Courtesy (for fees over $500): At your initial visit only, if your entire treatment plan is paid in full and the total treatment expenses exceed $500 we are excited to offer a 5% courtesy (3% if paying with credit card) subtracted from your total patient obligation. Legally we cannot subtract any portion paid by your insurance company or include their payment obligations toward your courtesy. 

  • Pre-Payment Plans: This allows you to make regular contributions to your account toward your treatment. When there are sufficient funds we can go ahead with your proposed treatment needs.

  • Pay as You Go: You may pay at each visit for treatment being completed that day

  • Credit cards: We can arrange monthly payments from your credit card amount up to three months if needed. For our patients with insurance that pay your deductible with a credit card, rather than guessing what your insurance will pay for and sending you a statement of payment in the mail, we will be happy to bill the exact difference to your credit card on the day that we receive the insurance benefit payment. Please ask our front desk staff for the form to make this arrangment happen.

  • 20% savings on preventive or proactive treatments

  • 20% savings on major treatments: crowns, bridges, dentures, root canals

  • 10% savings on basic treatments like fillings, extractions

  • 2 Exams per year (Comprehensive and periodic exam)

  • New patient x-rays (FMX or panoramic, and bitewings) during those exams

  • 2 simple cleanings (prophys only). This does not include deep cleanings like scaling & root planings.

  • Fluoride treatment for children younger than 18-years old during their cleaning or exam visit

  • 50% savings on teeth whitening

  • 50% savings on emergency exam and x-rays (excluding treatment)

To become a member 

To add your spouse    

Additional for each child




Millennium Dental Savings Plan (MDSP)

A savings plan created by our practice to  to help you where insurance companies don't


Our practice has created a discount savings plan designed specifically for individuals, couples, or

those families who don't have dental insurance. This dental savings plan that bypasses dental insurance

companies and allows you to invest in a plan that helps you save money in these challenging economic times.


Most insurance companies tell you that you need to wait six months prior to receive big treatment items like root canals or crowns. Signing up for the Millennium Plan you can have that treatment without any waiting interval. People often put off dental care because of the lack of dental insurance. Our Millennium Dental Savings Plan gives you the opportunity to take control of your care.


Difference between regular dental insurance and the Millennium Plan:


There are no deductibles, no waiting periods, no claim forms, no hassling with insurance companies, and no limitations on your dental treatment. Insurance companies also impose an annual maximum limiting how much you treatment you can receive. The Millennium Plan gives you no limitations. Just one annual payment and you receive the following benefits:














           All savings on treatments are eligble for up to 6 months from the time of diagnosis or treatment planning



Individuals, couples, or families with children up through 19-years old unless the child is attending college full time--then he or she would be covered up through age 23. Children must have a minimum of one adult to be members. Memberships last for a whole fiscal year (12 months). There are no refunds for partial year use.

Even if you have dental insurance you can still utilize the Millennium Dental Savings Plan.



These annual fees represent savings at 48% of our regular set fees for exams, cleanings, and x-rays alone! The annual fees for this current year are as follows: