Quality dental care should never feel out of reach because of cost. Whether you are considering a crown, a full set of porcelain veneers, or simply staying on top of your preventive visits, the financial side of treatment is a real consideration for most patients. At a fee-for-service practice, the investment in your care goes directly toward the quality of your experience — unhurried appointments, conservative recommendations, and a dentist who takes the time to get it right. Understanding your payment options before you sit down for a consultation makes the entire process easier.
At Vinings Modern Dentistry in Smyrna, GA, we have made it a priority to offer flexible ways to pay for care. We accept CareCredit, Cherry financing, Sunbit, HSA and FSA funds, and standard payment methods including cash, check, and major credit cards. Our goal is to help you move forward with the treatment you need on a timeline that fits your budget.
We welcome patients with and without dental insurance and are committed to helping you maximize any benefits available through your plan. As a courtesy, our team will file claims directly with your insurance company and provide benefit estimates whenever possible, making the process simple and stress-free.
Vinings Modern Dentistry is an independent, fee-for-service practice. This allows Dr. Lloyd to recommend treatment based solely on your individual needs, goals, and long-term oral health, not the restrictions of an insurance company. Our focus is on delivering exceptional care, personalized attention, and high-quality treatment in a comfortable, patient-centered environment.
All PPO dental insurance plans provide benefits for services received at our office, and our team is happy to help you understand your coverage and expected out-of-pocket costs before treatment begins.
For patients without dental insurance, we also offer an affordable in-house membership plan that includes preventive care benefits and savings on additional treatment. To learn more about the service we provide, visit our services overview page. If you have questions about insurance, financing, or membership options, our team is always available to help.
CareCredit is a healthcare credit card accepted at more than 285,000 provider locations nationwide. It is designed specifically for health and wellness expenses, including dental treatment. Once approved, you can use your CareCredit card for a wide range of procedures — from preventive care and cleanings to more involved restorative or cosmetic work — and pay over time through promotional financing options.
Promotional financing through CareCredit is available on qualifying purchases of $200 or more, subject to credit approval. Patients can apply online or in our office and receive a decision quickly. If approved, the card can be used the same day for your treatment. CareCredit is a practical option for patients who want to spread the cost of care over several months without disrupting their budget.
Cherry is a patient financing platform built specifically for healthcare. It offers flexible payment plans ranging from short-term interest-free options to longer-term installment plans up to 60 months, with qualifying 0% APR available for eligible applicants. The application is entirely digital, takes only a few minutes to complete, and uses a soft credit check — meaning it will not affect your credit score.
Cherry’s approval rate is among the highest of any healthcare financing provider, making it an accessible option for a broad range of patients. Once approved, you can move forward with your treatment right away. Cherry handles repayment directly with the patient, keeping the process straightforward on your end. Whether you are planning porcelain veneers, clear aligners, or a more complex restorative procedure, Cherry gives you a clear picture of your monthly cost before you commit.
Sunbit is another flexible financing option available at Vinings Modern Dentistry. Depending on your credit, Sunbit offers 0% interest promotional periods ranging from 6 to 24 months, making it easier to move forward with the care you need without putting it off. If you have questions about whether Sunbit is the right fit for your situation, our team can help you explore your options.
We accept Health Savings Account (HSA) and Flexible Spending Account (FSA) funds for eligible dental expenses. If your employer offers an HSA or FSA benefit, these accounts allow you to pay for qualified dental procedures with pre-tax dollars — which can represent meaningful savings on your overall treatment cost. Most preventive, restorative, and some cosmetic procedures qualify, though FSA funds typically carry a year-end use-it-or-lose-it deadline. If you are unsure whether a planned procedure qualifies, our team can help clarify before your appointment.
In addition to third-party financing, we accept the following forms of payment at the time of service: cash, personal check, and all major credit cards. We also accept Apple Pay and other contactless payment options for your convenience. Payment is collected at the time of your visit, and our front desk team can provide a detailed cost estimate ahead of any scheduled procedure so there are no surprises.
Our VMD Membership is designed for patients who prefer to receive care outside of traditional dental insurance. Each membership includes preventive care, select diagnostic services, and preferred savings on treatment, without the limitations or restrictions of an insurance plan.
All memberships are valid for 12 months from enrollment. Membership benefits are not insurance and cannot be combined with dental insurance or other offers.
Larger treatment plans—such as smile makeovers, dental implants, or full-mouth restorative care—often benefit from flexible financing options. We partner with CareCredit, Cherry, and Sunbit to help qualifying patients spread the cost of treatment into convenient monthly payments. CareCredit offers promotional financing on qualifying balances, while Cherry and Sunbit provide flexible payment plans with a variety of repayment terms. By breaking treatment costs into manageable monthly installments, patients can move forward with the care they need while maintaining financial flexibility.
If you are planning ahead for a multi-step procedure, we recommend applying for financing before your first appointment so that your approved amount is ready to use. Our team can provide a full cost estimate during your consultation, giving you everything you need to make an informed decision. Learn more about what we offer on our cosmetic dentistry page.
Before your appointment, you will receive a detailed treatment plan outlining exactly what your visit entails and what to expect. We ask that you review and sign this plan in advance, which gives you the opportunity to ask questions and gives our team time to verify your insurance details. When appropriate, we will also submit pre-determinations to your insurer, so you have an exact reimbursement figure before you ever sit in the chair.
At Vinings Modern Dentistry, we believe your experience should be as exceptional as the care you receive. That’s why we take the time to discuss treatment recommendations, expected costs, insurance benefits, and financing options before treatment begins. With clear communication and thoughtful planning, you can move forward with confidence, knowing exactly what to expect and feeling fully supported throughout your care journey.
Patients who visit Vinings Modern Dentistry are choosing a different kind of dental experience. Because we operate outside of insurance networks, Dr. Lloyd can focus on what each patient actually needs rather than what a plan is willing to cover. Appointments are longer, consultations are thorough, and treatment recommendations are conservative by design. Many of our patients have dental coverage through their employer and still choose to come here — because the quality of care is worth the out-of-pocket difference. Visit our About Us page to learn more about our approach.
Applying for CareCredit, Cherry, or Sunbit is simple and convenient. Each platform allows you to apply online from any device and receive a quick decision, so you can move forward without unnecessary delays. CareCredit applications are available online, while Cherry and Sunbit applications can be started through a secure link provided by our office. If you prefer to apply in person, our team is happy to assist you during your visit.
You do not need to have financing in place before scheduling. We are happy to discuss your options at the time of your consultation and help you identify the approach that works best for your budget and treatment plan.
We know that navigating the financial side of dental care can feel overwhelming, especially when considering comprehensive treatment. Our team is here to make the process simple, transparent, and stress-free. Whether you have questions about insurance benefits, out-of-network reimbursement, treatment costs, or financing options through CareCredit, Cherry, or Sunbit, we are happy to help you understand your options well before your next appointment!
At Vinings Modern Dentistry, we believe that access to excellent dental care should not come down to whether you can pay for it all at once. Between CareCredit, Cherry, Sunbit, HSA and FSA funds, and standard payment options, we have built a range of pathways to make treatment accessible for the patients we serve in Smyrna and the surrounding Vinings area. Dr. Jay Lloyd is committed to transparent, honest dentistry — and that commitment extends to every part of your experience with us, including how you pay.
Ready to take the next step? Contact our office to schedule your consultation or ask our team any questions about financing. We look forward to helping you get the care you deserve.
