Mar 23, 2026
Read Time
5 min read
Dental Payment Plans Plainview & Mineola, NY: Affordable Financing Options
Dental Payment Plans Plainview & Mineola, NY: Affordable Financing Options
Discover multiple affordable financing options for dental treatment including in-house payment plans, CareCredit, and insurance maximization strategies.
Cost shouldn't prevent you from excellent dental care
Dental treatment can be expensive, and many patients delay necessary care because they're worried about cost. At Meadowbrook Dental Care in Plainview and Mineola, we believe your smile shouldn't suffer because of finances. We offer multiple flexible payment and financing options to make comprehensive dental care accessible to everyone. Whether you need a simple filling or complex implant treatment, we have affordable ways to pay.
The reality is that delaying dental care often costs more in the long run. A small cavity treated today costs $100 to $300. That same cavity left untreated becomes a root canal costing $1,500 to $2,500 and eventually requires a crown, turning a $300 problem into a $3,500 problem. By investing in preventive care and necessary restorations now, you avoid exponentially higher costs later. Our financing options make it easy to prioritize your oral health without financial stress. For comprehensive details on all options available, visit our financing page.
Meadowbrook Dental in-house payment plans
The easiest way to pay for dental treatment at Meadowbrook Dental is through our in-house payment plans. These are simple, transparent, and designed to work with your budget. We don't require any upfront deposit or down payment. This means you can start your treatment immediately without having to save up thousands first.
You choose your payment term: 12 months, 24 months, or 36 months. We calculate your monthly payment based on your total treatment cost and preferred term. Our in-house plans charge no interest, no origination fees, and no hidden charges. What you see is what you pay. This is dramatically better than credit cards or third-party financing that often include interest. Your monthly payment is automatically charged to your preferred payment method (debit card, credit card, or bank account) on the same day each month. This ensures consistent, on-time payments without worrying about remembering due dates.
If your Invisalign treatment costs $3,300, you could pay $275 monthly for 12 months, $138 monthly for 24 months, or $92 monthly for 36 months. No interest. No fees. This is just one example of how affordable we can make your treatment.
CareCredit: Healthcare financing for approved credit
CareCredit is a healthcare credit card specifically designed for medical and dental procedures. It offers promotional financing periods (typically 0 percent interest for 6, 12, 18, or 24 months depending on the amount financed) if you have approved credit. CareCredit is accepted by most dental offices and healthcare providers nationwide.
You apply online or in our office, and receive approval within minutes if you qualify. Once approved, you have a credit limit that you can use for your dental treatment. During the promotional period (for example, 12 months), your balance accrues no interest if you make the required minimum monthly payment. After the promotional period ends, interest accrues on any remaining balance. If you have approved credit and want promotional 0 percent interest financing, CareCredit is excellent. It separates your dental payment from your personal credit cards, and the promotional period is often longer than many credit cards offer.
However, if you miss a monthly payment or your account is not paid off by the end of the promotional period, interest rates can be high. Our in-house plans are better if you want zero interest for the entire payment period with no risk of retroactive interest. CareCredit is better if you want longer promotional periods and larger credit limits for high-cost treatments. Many patients use both: CareCredit as primary financing and our in-house plan as a backup or combination. Learn more about CareCredit financing options.
Insurance benefits & how to maximize coverage
Most dental insurance plans include coverage for preventive care (cleanings, exams, X-rays) and some coverage for basic restorations (fillings, simple crowns) and major procedures (root canals, extractions). Cosmetic procedures like veneers, Invisalign, and teeth whitening are typically not covered. Implants are rarely covered by traditional insurance.
When you schedule treatment at Meadowbrook Dental, bring your insurance information. Our team will verify your benefits directly with your insurance company. We'll determine what your insurance covers, what your deductible is, what your co-insurance percentage is, and any annual maximums that apply. Before treatment, we'll provide you a written estimate showing what insurance will pay and what you'll owe out-of-pocket.
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use pre-tax funds to pay for most dental procedures. This is an excellent way to save money because you're using pre-tax dollars, effectively getting a 20 to 40 percent discount depending on your tax bracket. Many patients combine insurance benefits with financing. Insurance pays their portion, and they finance their out-of-pocket balance through our in-house plan or CareCredit. This reduces their out-of-pocket monthly cost significantly. For more details on insurance verification, visit our insurance verification page.
Dental discount plans: an alternative to insurance
If you don't have dental insurance, dental discount membership plans are an affordable alternative. For an annual membership fee ($80 to $200 typically), you receive 10 to 40 percent discounts on most dental procedures directly from participating dentists. These aren't insurance; there's no deductible or annual maximum. You simply pay the discounted price at the time of service.
Dental discount plans can save thousands on major restorative procedures like implants, crowns, and cosmetic dentistry. If you're uninsured and plan to have significant dental work done, a discount plan is worth considering. We accept major discount plans at Meadowbrook Dental.
Affordable treatment starts with an honest conversation
We believe every patient deserves excellent dental care regardless of their financial situation. If cost is preventing you from scheduling needed treatment, tell us. We'll work with you to create an affordable treatment plan. We might suggest a payment plan, prioritize the most urgent treatments, or recommend phasing treatment over time.
Stop delaying your dental care because of cost. Call Plainview at (516) 239-1839 or Mineola at (516) 741-2600, or book your consultation online. During your visit, we'll discuss your treatment needs and financing options. You'll leave knowing exactly what treatment costs and what your monthly payment will be. No surprises. No pressure. Just honest dentistry and flexible payment solutions. For complete information about all financing options, visit our comprehensive financing page and our location pages at Meadowbrook Dental Care Plainview and Meadowbrook Dentistry Mineola.
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