Traditional insurance is welcome and accepted at our practice.
We are in-network with some and accept all traditional dental PPO insurances. That means that your healthy mouth cleaning could be $0! We will gladly file claims on your behalf.
Please call our office for a complimentary Benefits Consultation.
Dental insurance is designed to help reduce your out-of-pocket dental expenses, and there will usually be some sort of out-of-pocket expense that you will be expected to pay at the time of service. Reimbursement levels are determined by your insurance provider and generally do not take into account up-to-date regional data when determining the reimbursement level. Additionally, there is no regulation regarding how insurance companies determine reimbursement, and they are not required to disclose their methods for determining these levels. Insurance companies do not guarantee payment on claims and reserve the right to make payments based on their estimation of "Usual and Customary Rates."
We will file your insurance claims, track your claims, follow up on delayed claims, and help deal with insurance family plans. We want to help you maximize your benefits and will provide digital dental X-rays. A written diagnostic report should be provided to your insurance company if they have any questions about the services provided. We submit claims electronically, allowing for faster and more secure data transmission.
Please provide our staff with your insurance information when you call our office, so we can handle the hassle of dealing with the insurance companies. Also, please bring your identification card and insurance card to the office when you visit.
Patient Financing
Cherry Patient Financing®
Cost shouldn't stand between you and the dental care you need. That's why we offer Cherry Patient Financing — a fast, flexible payment solution that lets you start treatment today and pay over time. Whether you're investing in implants, Invisalign, or a complete smile makeover, Cherry makes it simple to say yes.
Choose a plan that fits your budget — Cherry offers payment terms of 3 to 24 months, with 0% APR available for qualified applicants.
No hard credit pull, no surprises — Cherry uses a soft credit check that won't affect your credit score, with no hidden costs or fees.
Instant approval in minutes — The application takes just seconds, and you'll know right away how much you qualify for before committing to anything.
Manage everything on your schedule — Autopay and a 24/7 self-serve patient portal make staying on top of payments completely stress-free.
Finance virtually any treatment — From routine restorations to full cosmetic cases, Cherry can cover the care you've been putting off.
Subjuect to approval
Carecredit® Healthcare Financing
CareCredit provides interest-free* financing for your dental care. CareCredit is a healthcare credit card designed for your health, beauty, and wellness needs. It is a way to cover the costs of many treatments and procedures, allowing you to make convenient monthly payments over a fixed period of time.
* Subject to approval.
Sunbit® Healthcare Financing
Transforming how you pay.
We help you buy what you need without stress. Choose from 6-72-month flexible payment plans.
90% of people are approved
30-second application
No hard credit check
No fees or penalties
* Subject to approval.
Proceed® Financing
Options For Large Dental Cases Up To $75,000*
At Proceed Finance, we specialize in providing financing options to those who need them most. We offer lending products created to finance dental and medical cases from $2,500 up to $75,000*. We offer some of the most flexible and competitive interest rates and terms in the industry, allowing us to offer affordable monthly payments for your patients.
We accept cash, debit cards, and most major credit cards (VISA, MasterCard, Discover, American Express).
Frequently Asked Questions
Q: What if I need a lot of dental work but can't afford it all at once?
A: That's very common, and it's exactly what our financing options are designed for. We work with CareCredit, Sunbit, and Proceed Finance — each offers different terms, with some plans allowing 0% interest for 12–18 months for qualified applicants. Proceed Finance specifically handles larger cases up to $75,000, making it practical even for extensive treatments like full-mouth implants. During your treatment planning conversation, we'll help you prioritize what needs to be done first and build a payment approach that fits your budget. Nobody should have to skip necessary dental work because of cost.
Q: Can I use my FSA or HSA to pay for dental treatment?
A: Yes. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) can be used for most dental treatments at Falko Family Dental — including cleanings, fillings, crowns, root canals, extractions, and implants. Purely elective cosmetic procedures (like teeth whitening for aesthetic purposes only) typically don't qualify. If you have FSA funds that expire at the end of the year, dental work is a smart way to use them before you lose them. Call us, and we can help you plan treatment timing to get the most out of your benefits.
Q: Do you offer a payment plan for patients without insurance?
A: Yes — we have our own in-house membership plan called the Friends & Family Plan, designed specifically for patients without dental insurance. For a flat annual fee, you get two cleanings, exams, x-rays, and fluoride covered, plus a 15% discount on most other treatments. Adult membership starts at $415 per year. We also offer third-party financing through CareCredit and Sunbit for treatment costs beyond routine care. There are no waiting periods, no claim forms, and no pre-existing condition exclusions — you're covered from day one.
