(425) 348-8484Harbour Pointe Family Dentistry Financing Options
Dental care should not have to wait because of cost concerns.
Flexible Dental Financing in Mukilteo Makes Quality Care Accessible
Cost is one of the most common reasons people delay dental care, and it is one of the most preventable. Whether you are looking at a restorative procedure, cosmetic treatment, or a more involved treatment plan, the out-of-pocket question is almost always the first one that comes to mind.
The good news is that putting off care often makes things more expensive over time, and having a financing option available changes that equation entirely. At Harbour Pointe Family Dentistry, we want every patient in Mukilteo, Everett, Mill Creek, Edmonds, and the surrounding Puget Sound area to have access to the care they need through our new patient resources, including the payment options that make treatment possible.
Financing Through CareCredit
CareCredit is a dedicated healthcare credit card accepted at over 285,000 locations nationwide, and Harbour Pointe Family Dentistry is a participating provider. It functions as a revolving line of credit, meaning patients apply once and can use it again and again for ongoing dental needs, as well as other health and wellness expenses within the CareCredit network. Applications can be completed in-office, online, or on a mobile device, and a credit decision is typically made within minutes. If approved, patients can use the card immediately to pay for their treatment.
CareCredit offers a range of promotional financing options for qualifying purchases of $200 or more, with plan lengths ranging from 6 to 60 months depending on the purchase amount. These options allow patients to break a larger dental bill into manageable monthly payments rather than facing a single lump sum. Our front office team is happy to walk you through how CareCredit works and answer any questions before you apply. You can also visit the CareCredit dental financing page directly for additional information about how the card works.
Here is a summary of what our financing options include:
- CareCredit healthcare credit card accepted in-office
- Promotional financing available on qualifying purchases of $200 or more
- Financing plan lengths ranging from 6 to 60 months depending on purchase amount
- Applications completed in-office, online, or via mobile device
- Credit decision typically made within minutes
- HSA and FSA payments accepted
Financing is available for a wide range of services we offer, from cosmetic and restorative dental care to more comprehensive treatment plans, making it a useful option regardless of what brings you into our office.
During your appointment, Dr. Johnson will complete an exam and walk you through any recommended treatment. This is where the conversation about cost and coverage naturally begins, and our team is ready to answer your questions from the start.
Before you commit to anything, we will review your insurance benefits if applicable and outline what your estimated portion would be. This gives you a full picture of what financing may need to cover so there are no surprises.
Applications are quick and easy to complete. A credit decision is typically returned within minutes, and if approved, your account is available to use right away. Our team can assist you through the process if you have questions.
Once your financing is confirmed, you can schedule your procedure and move forward with your care. CareCredit can be used again for future visits, so you will have that option available each time you come in.
For patients who have access to a Health Savings Account or Flexible Spending Account through their employer, those funds can also be applied toward dental treatment at Harbour Pointe Family Dentistry.
HSA and FSA Payments Are Accepted
Health Savings Accounts and Flexible Spending Accounts allow patients to set aside pre-tax dollars specifically for eligible medical and dental expenses. Because these contributions reduce your taxable income, using HSA or FSA funds for dental care is one of the most cost-effective ways to pay for treatment. Our office accepts both, and they can be used for a broad range of procedures including exams, cleanings, fillings, crowns, and many other services that qualify under standard IRS guidelines. You can learn more about what dental expenses are typically HSA and FSA eligible at MouthHealthy.org.
If you have funds remaining in your FSA as the end of your plan year approaches, dental care is one of the most practical ways to put them to use before they expire. Many patients use this time to schedule treatments they have been putting off or to get ahead on planned restorative work. Our front office team can confirm which of your recommended services qualify and help you plan accordingly.
For patients who want to use HSA or FSA funds in combination with CareCredit for larger treatment plans, both payment types are accepted at our office. Visit our HSA and FSA information page to learn more about how these accounts can work alongside your other payment options.
5-Star Treatment
- Andre H, 5-Star Google Review
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Does applying for CareCredit affect my credit score?
CareCredit offers a prequalification option that does not impact your credit score, so you can check your likelihood of approval before formally applying. If you proceed with a full application, that step does involve a credit inquiry. A credit decision is typically returned within minutes, and if approved, you can use the card immediately for your treatment at our office.
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Can I use CareCredit for any dental service at Harbour Pointe Family Dentistry?
CareCredit can be used for a wide range of services at our office. Promotional financing options are available for qualifying purchases of $200 or more, which covers most restorative, cosmetic, and preventive treatments. Our team is happy to confirm whether your specific treatment qualifies before you apply. You can also visit our dental insurance page to review how insurance and financing can work together.
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What if I already have dental insurance? Can I still use financing?
Yes. CareCredit is often used to cover the out-of-pocket portion that remains after your insurance benefits have been applied. If your treatment cost exceeds your annual insurance maximum or involves a procedure that is not covered under your plan, financing can fill that gap. Our front office team will review your insurance benefits first and then help you apply financing to whatever balance remains. You can learn more about Dr. Kris Johnson and our approach to patient-centered care, which includes making sure cost is never the reason someone puts off the treatment they need.
