Referrals
Patient Portal
Locations
Financing Options
At Family Smile Centers in St. Charles County, we offer flexible financing options and work with most major insurance plans to help make your care more affordable. Whether you have dental insurance or need assistance budgeting for treatment, our team is here to help you explore all available options.
Payment Options for Every Budget
From everyday cleanings to advanced procedures, we’ll guide you through your financial choices so you can focus on your health, not the cost.
We accept:
- Most PPO dental insurance plans
- Major credit cards
- Flexible third-party financing
- Health savings accounts (HSAs) and flexible spending accounts (FSAs)
- In-office payment arrangements for qualifying treatments
Our team will always review your benefits in advance and provide clear, upfront estimates before any treatment begins.
Or Call (636) 757-1800
Insurance Overview
We proudly welcome most PPO (Preferred Provider Organization) dental insurance plans and serve patients with or without coverage. If you’re unsure about your plan, just bring your card to your appointment or contact our front desk—we’ll help verify your eligibility and explain your benefits.
We also serve fee-for-service (FFS) patients who choose to pay directly. This gives you complete control over your treatment decisions, and we’re happy to work with you to make care convenient and predictable.
Please note: While we are not contracted with Medicaid or HMO plans, we are happy to see patients on an out-of-network basis and offer alternative financing options.
Flexible Financing Options
If you’re concerned about the cost of care or need to spread payments out over time, we offer third-party financing with fast approval and low- or no-interest options for qualifying applicants.
CareCredit
CareCredit helps patients pay for out-of-pocket dental expenses through affordable monthly payments. Apply online and get a decision in minutes.
Sunbit
Sunbit offers personalized payment plans with no hard credit check. Pre-qualify in seconds and pay over time with terms designed to fit your budget.
Proceed Finance
Proceed Finance specializes in patient financing. Their mission is making life-changing treatments possible for more people, giving you access to financing that’s fast, affordable, and fair.
- Long terms and competitive rates create affordable payments that fully cover most treatment plans
- Pre-qualify instantly without affecting your credit score
- Full-amount approvals for a wide range of credit quality
- No hidden fees, and fixed-rate loans with easy-to-understand terms
No Insurance? We Can Still Help
If you don’t have dental insurance, you’re not alone and are welcome here. We offer transparent pricing and can work with you to create a custom payment plan for your care. We also offer same-day discounts for qualifying patients who pay in full at the time of service.
Our team understands that financial conversations can feel overwhelming. That’s why we take time to walk through your options and help you make confident, informed decisions.
Call (636) 757-1800 or speak with our front desk team at your next visit—we’ll be happy to assist you.
Or Call (636) 757-1800
Helpful Tips & Info
Patient Education Articles
The Ultimate Guide to Preventive Dental Care for Families
Preventive dental care is the foundation of a healthy smile. Families in St. Peters, [...]
Fixed Implant Bridges vs. Implant Overdentures
If you are missing most or all of your teeth, dental implants can restore [...]
Clear Aligners vs. Traditional Braces: Which Orthodontic Treatment Is Right for You?
Choosing the right orthodontic treatment is an important step toward achieving a healthier, more [...]