Creative Smile Designs-Logo
Edward J. Lynch, DDS, PC
Family, implant and cosmetic smiles created!
Located in Rapid City, SD  605-343-5925

Insurance & Financing

dental services

Insurance and Financing Options

If cost is a determining factor when it comes to your dental care, you should prioritize and stage the necessary work rather than choosing a cheap or inadequate solution.

Sequencing treatment can help you afford the treatment you truly need. Financing choices should also be considered. There are flexible payment options that can help you stay within budget. Some payment options allow 6 months to 1-year payments without any interest.

Financial Arrangements

The goal of Creative Smile Designs is to provide ideal quality dental care and to make it financially feasible for you. Our staff is very knowledgeable about insurance as well as helping you arrange a mutually acceptable payment schedule. We accept cash, check, XXX, Visa and MasterCard payments. We are able to offer a 5% billing courtesy for treatment plans over $1000 paid in full prior to the beginning of treatment. Unfortunately, we are unable to offer a discount for credit cards, debit cards, or finance companies.

For patients with dental insurance, as a courtesy to you, we will process your insurance claims in a prompt manner. Our office will assist you in obtaining information regarding your dental benefits. We can provide you with an estimate of your benefits; however, we cannot always ascertain the exact benefits. If you would like, we can pre-authorize your treatment plan so a more accurate estimate of your benefits from your insurance company may be determined.

Finance Through CareCredit

As a service to our patients, we are pleased to offer CareCredit, the nation’s leading patient payment plan. With CareCredit you can finance 100% of your treatment are no upfront costs, no annual fees, and no prepayment penalties. So, you can have treatment today and conveniently pay with low, monthly payments.

CareCredit offers several payment plans so you can find one that fits comfortable monthly budget. With popular interest free payment plans, there are no interest charges if you pay your balance in full within the specified time period. For treatment plans from $1,500 to $25,000. There is an extended payment plan that offers one of the lowest monthly payments available. This plan is recommended for patients who would prefer to pay for implants or reconstructive or cosmetic dentistry.

CareCredit can be used by the whole family for ongoing treatment without having to reapply. By using CareCredit for your dental health care needs, you can save your other cards for household or unplanned expenses. It only takes a few minutes to apply for CareCredit and you will receive an online decision in seconds! Apply for CareCredit online, or ask our business coordinator.

Dental Fee Plan / Capital One Healthcare Finance

In our office, we strive to provide our patients with the finest dental care available. If a patient is unable to take advantage of our services due to financial restrictions, then our commitment to excellence is of no use.

To help our patients receive the services they desire in an affordable manner, our office uses a resource that we believe to be a sound solution. Dr. Lynch has been working with a company named “Dental Fee Plan,” a patient payment program that makes dental treatment more affordable.

Dental Fee Plan is based in New England and has provided affordable payment options to dental offices for over 10 years. The plan offers a number of terms from which to choose, including rates as low as 5.9% (Loan terms may vary based on treatment fee and the applicant’s credit information). In addition, there is no down payment required and no pre-payment penalty.

To apply for the Dental Fee Plan, simply call toll-free 1-888-337-4171. If you have any questions about Dental Fee Plan or other financial options available in our office, please feel free to contact us and speak with our business coordinator.
dental services


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