Flexible Dental Financing Options for Every Patient
We believe in full transparency—clear pricing, flexible monthly plans, and honest guidance every step of the way. Discover how we make it easier to start treatment without financial uncertainty.
Do You Accept Insurance?
Although we are not in-network, you can use nearly any PPO insurance plan at Bauer Dental Center.
We file claims on your behalf so your insurance company can reimburse you directly for your covered portion.
Most patients retain 60–80% of their usual benefits when visiting us — while still choosing a doctor who prioritizes quality, longevity, and aesthetics.
Common PPO plans our patients use include:
Why We’re Not In-Network (and Why Patients Prefer It)
We care about long-term results — not shortcuts. Being out-of-network means we’re able to provide higher-quality materials, customized treatment planning, and more predictable outcomes than what many insurance-driven offices allow.
Here’s what that means for you:
You choose your provider. You’re not locked into a restricted network.
Higher-quality materials & labs. HMO plans often limit dentists to the cheapest option — which may not last.
More time with your doctor. Quality care over quantity; you’re never “just a number.”
Better, longer-lasting results. Premium materials and thorough planning create outcomes insurance-based offices simply can’t match.
Our goal is to give you the best dentistry possible, while still helping you use the benefits you already have.
How to Know If Your Plan Is PPO
- Check your insurance card — PPO plans usually say “PPO” in the plan name.
- Log into your online insurance portal and check the plan details.
- Or call the customer service number on your card.
- You can also send us your insurance info — we’ll verify your benefits for you.
How Financing Works at Bauer Dental Center
Explore Your Options
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How We Help You Afford the Smile You’ve Always Wanted
Explore Your Options
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Get Approved
Start Treatment
See How Each Financing Option Works
Whether you need a small monthly payment or long-term flexibility, Bauer Dental Center offers multiple options to make treatment fit comfortably into your budget.
Option 1 — CareCredit®
Best for: Patients who want the most widely accepted healthcare financing with flexible monthly payments.
It’s fast, simple, and widely trusted.
Apply in under a minute
Instant decisions in most cases
Short-term and long-term payment plans
No upfront costs
Great for Invisalign, implants, crowns, and general dentistry
Try the CareCredit Dental calculator below
0% Interest Could Be Minutes Away
Option 2 — Proceed Finance
Best for: Full-mouth restorations, All-on-X, full arches, and patients wanting the lowest possible monthly payments.
Longer-term, lower monthly payments.
Loans up to $75,000
Extended terms for bigger treatment plans (All-on-X, full mouth rehab, multiple implants)
Designed for larger smile transformations
Fair, transparent rates
Soft credit check options available
Option 3 — Cherry Finance
Best for: Patients who want simple, flexible monthly payments without using a traditional credit card.
Flexible monthly payments with quick, easy approval.
Apply in under 30 seconds
Soft credit check (won’t affect your score)
High approval rates — even for mid-range credit
Choose the payment plan that fits your budget
Clear terms with no hidden fees
Ideal for treatments from $500–$10,000
Considering Dental Implants? Start With Clarity.
From spa-like cleanings to pain-free surgeries, we offer a wide range of services designed to meet all your dental needs. Explore how our services can improve your dental health and help you achieve a beautiful, functional smile
Understand What Your Insurance Covers — and What It Doesn’t
Cosmetic Dentistry
(Veneers, crowns for aesthetics, smile makeovers, implants, All-on-X, full mouth reconstruction)
Insurance companies classify these treatments as elective — meaning they’re not considered medically necessary. Because of that:
Cosmetic treatments are not covered by any insurance plan
Coverage is the same across all providers — PPO or HMO
The full cost is the patient’s responsibility
But here’s the good news:
Cosmetic dentistry is more affordable than ever with flexible monthly payment options.
CareCredit®, Proceed Finance, Cherry, and in-house plans make it easy to start treatment now and pay over time.
If your goal is a new smile, your insurance doesn’t limit you — your financing options empower you.
General & Urgent Dentistry
(Cleanings, exams, fillings, emergencies, root canals, extractions, medically necessary crowns)
This is the category where your insurance works for you.
Even though Bauer Dental Center is out-of-network, we:
Work with all PPO insurance plans
Handle all claim submissions on your behalf
Help you receive 60–80% of the same benefits you’d get in-network
Ensure you still maximize your annual benefits
Why out-of-network?
Because being out-of-network allows Bauer to use higher-quality materials, longer-lasting restorations, and fully personalized treatment plans — without insurance companies forcing cheaper alternatives.
If you’re coming in for medically necessary treatment, your insurance benefits will still apply.
Frequently Asked Questions
Absolutely.
We offer multiple financing solutions including:
CareCredit® (short-term & long-term plans)
Cherry Finance (soft checks + smaller monthly payments)
Proceed Finance (larger loans + lowest monthly payments)
In-house payment plans for select smaller treatments
You choose the option that fits your budget.
During your consultation, we’ll:
Review your treatment plan
Compare monthly payment options
Check which plans you qualify for
Help you choose the most affordable path
Whether you prefer zero-interest, low monthly payments, or longer-term flexibility — we’ll guide you through it.
Yes — emergency and medically necessary treatments typically fall under your PPO benefits.
We handle all paperwork for you so you can focus on getting care fast.
Coverage depends on your specific insurance plan.
Cosmetic procedures like veneers, elective crowns, and ZOOM whitening typically aren’t covered, while medically necessary treatments—such as implants or composite bonding—may receive partial coverage. We’ll check your benefits and submit a predetermination, and for anything not covered, flexible monthly financing is available.
Yes — many patients with less-than-perfect credit still qualify.
Options like Cherry Finance and Proceed Finance offer soft checks, multiple approval tiers, and flexible terms designed to help more people get care.
We’ll help you explore every option during your visit.
In many cases, yes.
Some financing partners offer instant decisions, and our team can begin coordinating your treatment plan while the final paperwork processes.
This helps you start sooner, especially for urgent or time-sensitive care.
Yes — and many patients do.
You can use your insurance benefits first, and then apply financing to:
Cover the remaining cost
Extend payments
Reduce upfront expenses
This is often the most affordable way to start treatment.
No problem.
Your consultation includes:
A full exam and imaging
A personalized treatment plan
Transparent pricing
A breakdown of your financing options
You’ll know your total cost and monthly payment before moving forward.
It means we aren’t contracted with insurance companies.
This gives Dr. Bauer full freedom to:
Use higher-quality materials
Create personalized treatment plans
Avoid insurance-driven shortcuts
Provide dentistry designed to last decades — not just a few years
And you can still use your PPO benefits here.
High-quality dentistry involves:
Advanced materials that last longer
Precision technology (3D imaging, digital design, etc.)
Highly skilled clinical work
Longer appointment times for personalized care
We focus on long-term, durable results, not quick fixes — which often saves patients more money over time.
We’ll tell you upfront.
During your consultation, you’ll receive a complete financial breakdown that shows:
What insurance is expected to cover
What insurance will not cover
Your exact remaining balance
Your monthly payment options
No surprises, no hidden fees — ever.
Here is what your monthly cost could look like
Sarah 58 Years Old
- Procedure: Full arch replacement (All-on-X)
- Procedure Cost: $28,000
- Insurance: Out-of-network PPO, covered about $1,500 in diagnostic/prep benefits
Financing: $26,500 financed.
Financing terms: $475/month for 72 months (through Proceed Finance or CareCredit).
Takeaway:
Bauer Dental Center helped Sarah see that even though her insurance covered only a small portion, financing gave her the chance to move forward without delay — making her dream smile achievable on her terms.
Michael 36 Years Old
- Procedure: Cosmetic Veneers / Partial Rehab
- Procedure Cost: $12,000
- Insurance: Cosmetic—no coverage.
Financing:
$12,000 financed over 48 months = ~$310/month.
Takeaway:
Michael chose to finance because it was more manageable than paying the full amount upfront. Bauer Dental Center helped him understand how the quality and longevity of our materials made the investment truly worthwhile.
We Also Offer Simple In-House Payment Plans
Not everyone wants to apply with a bank or third-party lender — and that’s okay.
For smaller treatments and in-between procedures, we offer simple, straightforward in-house payment plans managed directly by our team.
What This Means for You
No banks, apps, or outside companies
Easy, predictable payment schedule
Set up directly with our front desk team
Perfect for fillings, crowns, cleanings, urgent care, and minor cosmetic fixes
Designed for patients who want convenience and personal support
Best For:
Patients who prefer a quick, personal, interest-free arrangement without going through formal financing.
Get Clarity, Options, and Exact Numbers
Tell us a bit about what you want, and we’ll help you understand the best treatment and financing choices.