3-Month Payment Plan
Split your balance into three equal payments over three months with a credit card on file. Simple, predictable, and set up right at the front desk.
Ask us at your appointment — no application required.
Payment & Insurance Information
Learn how we can help with the numbers — straight answers, no surprises.
Payment
Ways to pay for your care.
We believe finances shouldn't stand between you and a healthy smile. Here are the ways we make that work.
CareCredit Financing
CareCredit is a healthcare credit card for treatments your insurance doesn't fully cover.
- Deferred-interest for 6 months
- Low minimum monthly payment options
- Instant approval online
Health Savings Account
Use your own HSA to pay for dental care with pre-tax dollars — often a better long-term fit than dental insurance, especially if you're paying premiums out of pocket.
Check with your HSA provider for eligible dental expenses.
Pay Online
Pay your balance securely from anywhere using our patient portal — credit card accepted, no phone call needed.
Open Patient PortalWhen do I pay for services at River Street Dental?
We ask that all patients pay in full for their dental services the same day that they are seen. If you have insurance, we will bill your insurance and the insurance payment will come directly to your address in 2–3 weeks. We also offer payment plans, just ask us.
Insurance
How insurance works here.
We bill all insurances and handle the paperwork — here's what you should know before your visit.
Which insurance companies will not reimburse me?
Medicare and some Medicare supplemental plans such as Security Health, will not reimburse you, even if River Street Dental bills them.
Why does River Street Dental handle insurance this way?
Dental insurance is NOT like medical or auto insurance. It is not meant to cover a majority of your dental care. We wish it did! You can think of dental insurance as a coupon that may give you a discount for your services. Dental insurance has also become more and more restrictive in dictating your dental treatment. At River Street Dental we firmly believe that YOU, along with Dr. Carroll, are the best decision makers for your oral health.
What does River Street Dental recommend in regards to insurance?
If you are paying for dental insurance yourself, in most cases you will be "money ahead" if you do not purchase dental insurance, but instead set up a dental saving account for yourself. If your employer offers dental insurance, you can use it at River Street Dental, to receive a discount on your services.
Why are many dental offices "not taking" dental insurance?
Dental insurance companies profit most when you don't use your benefits — that's simply how the business model works. Their formulas are designed around that reality, not around your care. We want you to understand what you're actually paying for or receiving from your carrier, so you can make the most of it. At River Street Dental, we think the best decisions about your oral health are made by you and Dr. Carroll — not an insurance company that has never met you.
Does River Street Dental take my dental insurance?
At River Street Dental we bill all insurances. We have many patients who come here with Delta Dental, United Health Care, MetLife, Health Partners, Blue Cross Blue Shield, Freedom, Liberty, Cigna, Humana, Anthem, Aetna, Ameritas, Physicians Mutual, United Concordia, Principal, Guardian, Sun Life, Medica, GEHA, DentaQuest, AARP, Mutual of Omaha, FEP Blue, Manhattan Life, Companion, Wilson McShane, Operating Engineers, and more.
Is River Street Dental in-network with my insurance?
We are not in-network with any insurance companies.
When do I pay for services at River Street Dental?
We ask that all patients pay in full for their dental services the same day that they are seen. If you have insurance, we will bill your insurance and the insurance payment will come directly to your address in 2–3 weeks. We also offer payment plans, just ask us.
River Street Dental Plans
Skip the Insurance Premiums — Keep the Care
Two ways to make dental care simple and affordable without the restrictions of traditional insurance.
Preventative Plan
$522
per year — or $43.50/month · $1.43/day
What's Included
- ✓2 regular cleanings per year (credit toward periodontal cleanings)
- ✓1 set of bitewing x-rays per year
- ✓2 dental exams with Dr. Carroll, Dr. Bryce, or Dr. Joshua per year
- ✓Children's plan includes 2 fluoride treatments
Fine Print
- Plan starts on first day of payment and runs 365 days.
- No extensions or refunds.
- Monthly payments require a credit card on file.
Savings Plan
$50 – $100
per month, per person
Rather than paying insurance premiums, put that money directly toward your care. Your monthly payment becomes a pre-paid credit on your account — use it for any service, any time.
How It Works
Monthly Credits
Your payment is applied directly to your account as a positive balance — ready to use whenever you need care.
No Restrictions
Credits apply to any dental service at River Street Dental, with no exclusions or maximums.
Refunds Anytime
Request a refund on any remaining balance at any time — no questions asked.
Why It Beats Insurance
- ✓No restrictions, exclusions, or annual maximums.
- ✓Unused credits never expire.
- ✓Ideal for individuals and families.
Ready for a Healthier Smile?
Whether you're due for a cleaning or considering a smile makeover, we're here to help. Schedule your appointment today.
Call us for emergency care