Insurance & Payment

Direct Billing to Insurance

We direct bill most major insurers when possible to simplify your visit. Because each plan is unique, coverage and co-pays vary based on your employer’s policy and your plan year. After we complete your exam and create a treatment plan, we’ll provide an estimate and explain any out-of-pocket amounts before care begins.

Common Insurers We Work With

Disclaimer

Coverage Decisions Are Made By Your Insurer And Plan Sponsor. All Trademarks/Logos Are The Property Of Their Respective Owners And Are Used For Identification Only. Use Of Logos Does Not Imply Endorsement.

What to bring?

  • Insurance Card And Policy Numbers
  • Photo ID
  • Secondary Coverage Info (If Applicable)

How coordination works?

  • We Submit To Your Primary Insurer First; Secondary Plans May Cover Remaining Balances Depending On Plan Rules.
  • If Direct Billing Isn’t Available For Your Carrier Or Procedure, We’ll Provide A Detailed Receipt For Quick Reimbursement.

In-House Payment Plans (0% Short-Term)

To make care more manageable, we offer short-term 0% in-house payment plans on approved treatment. Plans are designed for predictable, shorter timeframes and simple split payments. We’ll confirm eligibility and the schedule after your clinical exam and treatment plan.

Typical structure (configure in admin)

  • Minimum case size: Set by Clinic
  • Deposit at start: Set by Clinic
  • Installments: Set by clinic

FAQ’s

In-house plans are 0% for the agreed term.
Not typically; a valid card on file and deposit may be required.
Late/NSF fees may apply—see your agreement.
Yes—co-pays can be split per schedule.
Determined after your exam and plan.

Third-Party Financing (LendCare & iFinance)

For larger or longer treatments, we can help you apply to third-party financing providers such as LendCare and iFinance (Dentalcard). Approvals, interest rates, and terms are determined solely by the financing provider. We’ll outline your treatment, supply supporting documents as needed, and help you choose a payment schedule that fits your budget if approved.

Disclosures
  • Financing is offered by third-party providers and is subject to credit approval.
  • Terms, interest, and fees are set by the provider; Northbridge Dental is not the lender.
  • Applying will share your information directly with the provider per their privacy policy.
Apply With Lendcare

Application steps

  • Consultation and written treatment plan
  • Choose a financing option (LendCare / iFinance)
  • Complete provider application (online form)
  • Receive approval decision and terms from the provider
  • Begin treatment; payments managed directly with provider

FAQ’s

Terms vary by provider and approval.
Set by the provider based on your application.
Ask the provider about prepayment policies.
Typically yes—done by the provider.
Yes—financing can cover your co-pay or uncovered items.

Flexible Payment & Insurance Options for Every Smile

Ask About Payment Options WhatsApp the Front Desk