Quality dental care in Santa Clara should fit your life and your budget.
Flexible Financing That Makes Your Smile More Accessible
The cost of dental care is one of the most common reasons patients delay treatment, even when they know that care is important. At Dr. Jayne Dentistry, we believe that financial concerns should not stand between you and a healthy, confident smile. Whether you are considering cosmetic dentistry, Invisalign, implant restorations, or a full smile makeover, we offer financing options designed to make your treatment more manageable without requiring you to pay the full cost upfront.
Financing Information
Payment Options Available at Dr. Jayne Dentistry
We partner with two of the most trusted names in healthcare financing, CareCredit and Cherry, to give patients in Santa Clara and the surrounding Silicon Valley communities access to flexible payment plans. Both platforms allow you to spread the cost of your treatment over time, so you can move forward with the care you want without putting it off for financial reasons.
In addition to third-party financing, we accept HSA and FSA funds, which allow patients to use pre-tax dollars toward eligible dental procedures. We also accept all major credit cards, cash, and checks, and offer in-house payment plan options for patients who prefer to work directly with our office.
Our financing options are available for a wide range of treatments, including:
- Porcelain veneers and cosmetic dental work
- Invisalign and clear aligner treatment
- Dental implant restorations
- Dental crowns and bridges
- Smile makeovers and full mouth reconstruction
- Dentures and implant-supported dentures
- General and preventive dental care
Whether your treatment is a single procedure or a more comprehensive plan, our team will walk you through the options that make the most sense for your situation before you commit to anything.
Process
Getting started with financing at Dr. Jayne Dentistry is a straightforward process, and our team is here to guide you at every step.
1. Schedule Your Consultation
Your first step is scheduling an appointment at our Santa Clara office. During this visit, Dr. Jayne will evaluate your oral health, discuss the treatments you are interested in, and put together a personalized treatment plan with a clear cost estimate.
2. Review Your Treatment Cost
Once your treatment plan is ready, our team will walk you through the full estimated cost. If you carry dental insurance, we will also review your coverage and apply any applicable benefits before calculating your out-of-pocket responsibility.
3. Explore Your Financing Options
After reviewing your treatment costs, we will help you explore your financing options through CareCredit or Cherry. Both platforms offer an application process that can be completed quickly, and our team is available to answer any questions you have about how each option works.
4. Begin Your Treatment
Once your financing is in place, you can schedule your treatment and get started. Our goal is to make sure every patient who walks through our doors feels comfortable, informed, and ready to take the next step toward a healthier smile.
Understanding Your Out-of-Pocket Costs
Why Knowing Your Numbers Matters
One of the most important things we can do for our patients is make sure there are no surprises when it comes to cost. Before any treatment begins at Dr. Jayne Dentistry, our team provides a detailed breakdown of your estimated expenses, including what your insurance plan is likely to cover and what will remain as your responsibility. Transparency is a core part of how we operate.
For patients without dental insurance or for procedures that fall outside a plan’s coverage, financing through CareCredit or Cherry can meaningfully bridge that gap. Cosmetic procedures like veneers, Invisalign, and smile makeovers are rarely covered by insurance, which makes flexible payment options especially important for patients pursuing these treatments. Our team will help you understand exactly what you are paying for and why, so you can make decisions that feel right for both your health and your finances.
We also accept HSA and FSA funds, which many of our patients find to be one of the most efficient ways to pay for dental care. If you are unsure whether a specific procedure qualifies under your plan, we encourage you to ask our team before your appointment. We are happy to help you make the most of the benefits available to you.
Frequently Asked Questions
Patients often have questions about how financing works and which option is right for their situation. Below are answers to a few of the most common questions we hear at Dr. Jayne Dentistry.
How do I apply for CareCredit or Cherry financing?
Both CareCredit and Cherry offer a simple application process that can typically be completed online or at our Santa Clara office. Once approved, you can use your financing toward any eligible treatment at Dr. Jayne Dentistry. Our team is happy to walk you through the process if you have questions about how to get started.
Can I use my HSA or FSA to pay for dental treatment?
Yes. Dr. Jayne Dentistry accepts HSA and FSA funds for eligible dental procedures. Using these accounts allows you to apply pre-tax dollars toward your care, which can reduce your overall out-of-pocket costs. If you are unsure whether a specific treatment qualifies, we recommend checking with your plan administrator before your appointment.
What if I need multiple procedures? Can I finance all of them together?
In many cases, yes. Both CareCredit and Cherry can be used toward comprehensive treatment plans that include multiple procedures. During your consultation, our team will put together a full treatment plan with a complete cost estimate, and we can help you explore financing options that cover the full scope of your care rather than just a single visit.