Affordable dental financing and insurance
Getting the care you need starts with finding the solutions you want.
Dental financing is as easy as 1-2-3
One way we do anything to make you smile is by helping you find financing solutions for your dental care. You can even finance dentures, implants, braces, and Invisalign clear aligners.
Apply in office
You can apply quickly and securely during your office visit.
Pre-qualify in minutes
See your options within minutes—without impacting your credit.
Get approved
You could start your treatment the same day when you say yes.
We Accept Insurance
We make every effort to accommodate our patients’ oral health needs by accepting most insurances and providing flexible payment options.
As a courtesy to our patients, we will call your insurance company for you and try to learn as much as possible about the coverage and limitations of your insurance plan. We understand that the “fine print” of most insurance plans can be confusing, unclear, and overwhelming. We offer this service in an attempt to help you avoid surprises of non-covered services that need to be paid.
We are in network with many major local PPO insurances. We do not accept HMO insurance.
More ways we make care affordable
What else can we help with financing and insurance?
What is dental financing?
At Forever Dental, doing anything to make you smile means giving you payment plan options that work for your life. We vetted numerous lenders to find the best partners for our patients, all so that you can get great care from a team who will treat you well and financing from a lender who will treat you well too.
What types of dental financing are available?
You have a couple of options here. We can help you find the one that works best for your budget:
Loans with set monthly payments
Like traditional loans, these are loans for dental work that are based on money lent or given to another on the condition of repayment, typically based on a set number of months, or term of the loan. You are charged interest on the borrowed amount and can repay the loan at any time without any penalties.
Credit card, with a line of credit
Some of our lenders are credit card companies, that will offer a line of credit.
What if I have bad credit, or my credit score is not high?
At Forever Dental, we don’t focus on the past. We only care about doing anything to make you smile now and in the future. Your credit should not be an impediment to getting great oral healthcare. No credit? No worries. . No interest. No kidding – we got you.
What insurance is accepted?
We accept most dental insurance carriers. To find out if your insurance is accepted, click “Your office” at the top of this page and ensure your office is selected. Once confirmed, select “Office Details” and scroll down to the “Insurance and Financing” tab. You will see the list of accepted insurance for that office. Forever Dental practices accept Medicaid.
What is principal and interest?
The principal is the amount you borrow. The interest sort of like paying rent on the money you borrow – the faster you pay off the loan, the less you pay overall.
What is “open to buy”?
Open to buy are the available funds on a line of credit. For example: if your line of credit was initially $4,000, and you charged $2,500 in services, then the open to buy (or, the balance) is $1,500.
What are credit scores, or FICO® scores?
A credit score tells lenders about your ability to be approved for credit (in other words, how likely you are to pay back a loan based on your credit history). It is calculated using the information in your credit reports. FICO scores, the standard for credit scores, typically range from 300-850. The higher the score, the lower the risk to lenders. A “good” credit score is one that’s in the 670-739 score range.
Will a prequalification affect my credit score?
No. Prequalification is merely the first step in our application process. It will not hurt your credit score.
Who is my dental financing lender?
Forever Dental offers in-house financing for orthodontics. Forever Dental is not the lender for other treatments. Forever Dental has researched numerous lenders in the market for our patients. Whichever lender Forever Dental ultimately matches you with will be one that we vetted thoroughly. You’ll have full transparency on who your lender is at the time of application, as we will match you with the best one based on your situation.
What if I don’t want to use all of the money I was approved for?
At Forever Dental you are never under any obligation to accept a lender’s offer, even if you are qualified and have already started treatment. Getting you to smile means we give you access to credit and making sure it’s something you’re comfortable with. You’ll be given different financing options at the time of application. You’ll be in complete control when choosing whether or not to accept the offer. In addition, you’ll likely be given multiple choices on the terms to repay the loan, based on your needs.
What does "deferred interest" mean?
Deferred interest is when the financing plan has a period of zero interest – if you pay off the balance before this timeframe ends. If you can’t pay it in full by then, interest payments will be owed, often retroactively.
How will a personal loan affect my credit score?
Personal loans are a form of installment credit, whereas credit cards are considered revolving credit. Having both types of credit in your profile will strengthen your credit mix. To increase or maintain a good credit score, focus first on the top two most important factors: on-time payments and credit utilization.
What does the term of the financing option mean?
A term is the length of time you have to pay the loan back to the lender. Terms for dental financing typically vary from 12 to 60 months. The longer the term length, the lower monthly payments get.
Why Our Patients Love Us
Dr. Patel is amazing. She saved one of my molars when I was told somewhere else it had to be pulled. She did a crown which fit perfectly. I haven’t had any issues with my crown. I often forget I had one done. She is thorough, and makes you feel so comfortable. I never liked going to the dentist but Dr. Patel makes me look forward to seeing her. I live in the south suburbs and she is worth the drive.
I had my dental appointment yesterday and it was my first most extensive consultation of my teeth ever. Yes, it’s uncomfortable meanwhile interesting to know the condition of my oral health. Dentist Reshma explained thoroughly how concerning the issue I have and the gravity of it. On the other hand, the staffs were doing great in welcoming and accommodating customers. Samantha and the other staff displays their job expertise very well.
Forever Dental on Archer is awesome! I’ve had nothing but great encounters with Dr. Patel and all support staff. I recently started treatment with Invisalign braces and the process has been very comfortable and straightforward. If you are looking for a great Dental office, I’d highly recommend Forever Dental.
My mother has been treated with so much respect here, I had to try them out. Mom was right! I love going to the dentist now, they service on time and with the upmost priority to help and care for you. Every one is friendly, patient, and helpful in terms of communicating the in’s and out’s of the insurance offering, etc. I highly recommend. They have an excellent staff. Thank you Forever Dental 😃
I recently visited Forever Dental for my first appointment at the facility , and I couldn’t be more impressed! From the moment I walked in, the office staff, Yessenia and Karla were welcoming and professional, making the check-in process smooth and stress-free, which immediately put me at ease.
Dr. Dhake and the hygienist, Karla, took the time to explain everything in detail, from the x rays, exam process to the treatment plan. They were gentle, thorough, and made sure I was comfortable the entire time. I even was offered essential oils -lavender- to help calm my nerves, it helped to relax me and I will use it again next time I visit, I also appreciated how they answered all my questions without making me feel rushed. They were accommodating to my schedule and were able to fit in an X-rays, exam, cleaning and dental work-cavity treatments all in one visit.
This team made the experience of going to the dentist a pleasant one and I feel confident that I’m in great hands here (which hasn’t always been the case at other dentist offices). Now it’s time to make an appointment for my husband, he is long overdue.
If you’re looking for a skilled, caring, and professional dental team, I highly recommend Forever Dental!
Our family loves forever dental! It has been our dental home for more than a decade, serving my whole family from cleanings, whitening, and braces. The whole experience, from phone calls to check ins and the work in the back, is easy, friendly, and quick. ALL the staff are pleasant and easy to work with.
I appreciate the knowledgeable professionals that help keep our teeth healthy. Thank you so much!
