Patient Financing




Maybe you'd like a brighter smile. But if your insurance doesn’t cover all the costs for the procedure you want and need, where do you turn?


CareCredit gives you convenient payment options so you can get the procedure you want, when you want it.


Instead, you will be sent a monthly statement.

IF YOU DO NOT USE CARE CREDIT, YOU MUST PAY ANY AMOUNT NOT COVERED BY INSURANCE AT THE TIME OF SERVICE by cash, check, Mastercard, Visa, Discover, or American Express and you will be charged interest at an annual rate of 24% on any amount not paid.

Also, without Care Credit we will not be able to perform any additional treatment until the previous treatment balance has been paid.

With Care Credit you will be able to get all of the dental work you need (up to your limit) without having to worry about paying us anything when you come in. With Care Credit there are options which include "No Interest" for 6 months, and payments which can be stretched out for up to 5 years. Of course, you can also pay your complete balance at any time without penalty.

Whether you have dental insurance or not, many services are not covered. CareCredit is exclusively for healthcare services. And, it’s better because you get No Interest or low interest financing every time you use it. You can use your card over and over for follow-up appointments or different procedures. This means you don’t have to put your health and beauty on hold until you save up enough money. We give you the power to decide when it’s the right time for you.

Many patients put off treatments and procedures because they cannot afford to pay at the time of service. Dr. Cross offers CareCredit payment plans as a convenient option to normal credit cards, cash or checks. CareCredit allows you to pay over time, often without incurring interest charges, instead of a lump sum prior to treatment. Removing the cost barrier often allows us to focus on optimal treatment for you.


How can I sign up for CareCredit?

You can apply online  by clicking the blue link or apply over the phone by calling 1-800-677-0718. The application is quick and easy, and after it's submitted, you'll instantly learn if you're approved. Once you get your account number, call our office and let us know.



1. What is CareCredit?
CareCredit is a personal line of credit for healthcare treatments and procedures for your entire family, including your pets. It works like a credit card but it has two advantages. It can only be used for healthcare services and you can get No Interest financing every time you use it. Simply pay your minimum monthly payment and pay off the entire balance by the end of your promotional period and you pay No Interest. If you need more time to pay for your procedure, you can take advantage of our extended payment plans with low, fixed interest rates.  

2. Where can I use CareCredit?
Your CareCredit card can be used at over 100,000 participating healthcare practices nationwide for services including LASIK, Veterinary, Dentistry, Cosmetic Treatments, Cosmetic Surgery, Hearing Care and more. Once you have CareCredit you can use it over and over without reapplying for you, your family, and even your pets!

3. How is CareCredit different from my Visa or MasterCard?
Save your consumer credit cards for household or unplanned expenses! Unlike your Visa or MasterCard, CareCredit is exclusive for healthcare services and you can get No Interest financing every time you use it. If you need more time to pay for your procedure, you can take advantage of our extended payment plans with low, fixed interest rates.

4. CareCredit seems too good to be true. How does CareCredit work?
Over 100,000 healthcare practices around the country accept CareCredit, and the use of CareCredit allows doctors to focus on delivery of the best possible healthcare, instead of costs.

5. When will I receive my first CareCredit statement?
You won’t receive a billing statement from CareCredit until a charge has been processed on your account. Once a charge has been processed, you will receive your first billing statement within 30 days.

6. Can I pay off my CareCredit account before the end of the term?
Yes. There are no pre-payment penalties with CareCredit.

7. I already have a CareCredit account, can I use it again?
Yes, you can use your CareCredit account over and over, at any practice which accepts CareCredit. As long as you have the available credit on your account, you can use your card for ongoing or new treatments and procedures, without reapplying.

8. Can I access my account or make a payment online?
Yes. Visit When you manage your account online, you can:

• View your account summary
• Make a payment online
• View your transaction history 

9. Can I pay a portion of the treatment cost myself and use CareCredit for the remainder?
Yes. You can use CareCredit for treatment balances from $1 to over $25,000.

10. Where can I call with questions about my CareCredit account?
If you are already a CareCredit cardholder, you can contact us toll-free at (866) 893-7864.

11. What will my monthly payments be?
To estimate your monthly payments, use our online
Payment Calculator.

Signing up for CareCredit 

12. How can I sign up for CareCredit?
You can
apply online or apply over the phone by calling 1-800-677-0718 and giving them your information. Once you get your account number, call our office and let us know.

13. What information do I need to apply online?
To begin your online application, all you have to do is choose from one of the three options: search for Dr. Cross's name,  OR simply tell us how you’re planning to use CareCredit.

We will obtain and verify information that identifies you as a new account holder. We’ll use your name, address, date of birth, Social Security, Driver’s License, and other information for this purpose.

Your security and privacy are important to us. We take great care to protect your information by using a 128-bit secure socket layer technology on our online application. 

14. Why are there different interest rates listed on the application?