Financials And Insurance

Learn More About Your Cottonwood, AZ Cosmetic Dentistry

At Arizona Smile Designers, we’re committed to providing comprehensive dental care to patients in Cottonwood, Camp Verde, Sedona, Clarkdale and the Northern Arizona area. We specialize in a variety of treatments ranging from routine cleanings and fillings to dental implants and extractions, dentures, and oral surgery.

Dr. Vergara and Dr. Lord work hard to ensure that you receive a personalized treatment plan that fits both your lifestyle and budget.

Financial Menu

For your benefit, we offer four different financial plans for you to choose from. These include:

Plan A Pre-Payment in Full (for treatments starting at $2,500)

Our office offers a savings program for patients who are willing to pay the entire cost of their treatment plan prior to it beginning. We extend a 10% discount prepayment cash or check or 5% for credit card. This savings program requires you to accept your insurance. There is no assignment of benefits to our office with this program (patients with Delta Dental insurance are excluded from this plan).

Plan B Payment at the Time of Service

Cash, checks, American Express, Discover, MasterCard, and Visa are accepted as payment at the time the service is provided.

Plan C CareCredit (for treatments starting at $300)

CareCredit offers a revolving credit card with interest-free options and locked-in interest rates. If you choose to apply for CareCredit, it will only take seconds. You can start using the credit immediately for dental care.


LendingPoint offers affordable loan assistance for dental care. LendingPoint provides options to find a monthly payment that works within your budget.

Arizona Smile Designers
Arizona Smile Designers


We understand the value of insurance benefits to our patients so we take pleasure in helping maximize your insurance benefit by submitting your claims. An insurance company will rarely cover an entire bill though. However, we will do our best to estimate your deductible and the portion that will be covered by your insurance carrier.

The entire fee for services provided is your direct responsibility. This includes any non-covered services, deductibles, or co-payments that are particular to your insurance plan. We just ask that you be aware of your financial responsibilities under the terms of your policy. If we haven’t received your insurance carrier’s payment 90 days after the claim, then the remaining balance will be due and payable by you and subject to 18% APR.

Forms of Payment and Balances Due

In order to promote access to the best dental health care available, you can choose from any of the following (or any combination):

  • Cash
  • Checks
  • American Express
  • Discover
  • MasterCard
  • Visa
  • CareCredit

Balances over 90 days will incur a finance charge of 18% APR.

Arizona Smile Designers
Arizona Smile Designers

Contact Your Local Dentist Today!

If you have any questions about our payment options or anything regarding any of our services, please don’t hesitate to contact us. If you’d like to schedule an appointment with us, you can do so through our appointment request page or by giving us a call. Our phone number is (928) 634-8610. We look forward to meeting you!