Making Dental Care Affordable

We offer several financial options so you can receive top-notch dental care that fits your budget. Before you begin any dental treatments, we’ll review the cost of services and discuss your payment options. We won’t surprise you with hidden costs and fees. Our goal is to make the payment process as efficient and hassle-free as possible.



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Care Program

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Payment Plans

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Common Payment Questions

How much will my services cost?

We find great satisfaction in being an affordable dentist in Roland, Oklahoma and Fort Smith, Arkansas. While each patient’s care is different, we will work tirelessly to provide quality care at an affordable rate. Call our office to get an individualized treatment plan that works best for you or to inquire about the cost of specific services for you and your family.

Do you offer third-party payment options?

Yes, we accept CareCredit, Cherry and Proceed Finance as payment options.


Our accepted external payment options are offered by some of the leading healthcare credit companies accepted at over 175,000 providers nationwide. Pay upfront for necessary procedures, and make affordable monthly payments that work with your budget. These financing options are flexible, convenient, and the application process is simple.

External Dental Payment Plans
Can I use CareCredit, cherry, and Proceed Finance with my insurance?

External payment options may be applied to your balance however you would like. You may choose to use your external payment provider's card to pay your balance in full, in conjunction with your insurance coverage, or in small portiocns.

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Are there any in-house financing programs?

Yes, we do offer a dedicated in-house dental care program that we're sure you’re going to love. With it, you only have to pay a flat fee to access all of your essential dental services, including exams, cleanings and x-rays. You can even save money on other dental treatments not typically covered by insurance companies through exclusive discounts, all without worrying about meeting a deductible along the way. Contact our office for more information.

Valley Family Dental Care Program

Accepted Insurance

Our office is in-network with Aetna, America's, Assurant, Blue Cross Blue Shield, Cigna, Sun Life, Guardian, MetLife, United Concordia, Healthchoice, Dental Dental Premier and Principal. If you have an insurance provider that isn't in-network, your coverage depends on whether or not your plan offers out-of-network benefits. We’re happy to file and track your claims for you to ensure that you’re getting the most out of your benefits. We just ask that you bring your insurance card to each appointment, so we can make sure your information is as up-to-date as possible.

Dental Care Plan

We are committed to providing excellent dental care in a comfortable environment, at an affordable price. Our Dental Savings Plan provides a budget-friendly and flexible alternative to expensive dental insurance so you can receive quality dental care at an affordable price. Unlike insurance plans, our dental savings plan has no deductibles, no waiting periods, and no annual maximums. Pay one rate for the entire year and get the preventative care you need, and additional discounts on other dental services.

Member Benefits

Membership Cost

Membership FAQ's

What forms of payment are accepted?

All forms of credit and debit cards, cash, and check.

When can I start using my membership?

Your membership is effective immediately!

How do I schedule my preventative care?

You can schedule an appointment online or by calling our office.

How can I use my member exclusive discount for treatment?

Simply schedule an appointment with our office and be sure to tell us you're a member. When you arrive, we'll make sure your membership is current and you will be eligible for instant savings off our regular fees.

Can I add members to my account?

Absolutely! Your entire family can join.

Can I transfer my membership to another dentist?

Your membership is solely with our office and as such is non-transferrable.

External Dental Payment Plan Options

At Valley Family Dental, we understand that there are times when your dental insurance doesn’t offer coverage for the services you need or that you don’t want to pay for a treatment all at once, which is why we accept CareCredit, Cherry, and Proceed Finance. These companies offer financing to help you pay for your treatment in smaller amounts, over time.



Don't have insurance or your current insurance doesn't cover 100% of your dental procedures? Cherry is a smart, convenient, and patient-friendly way to pay for your dental care. This payment service allows you to split big costs into smaller monthly payments, allowing your money go further and heping you take better control of your cash flow by paying in installments. 


Patients can get approved with Cherry in under 30 seconds and complete a purchase in a fast and painless way. To get started, request to pay with Cherry at our office. We can walk you through the Cherry app or can text you a pre-qualification link to fill out at home. Next, you select a plan and terms that work best for you and your family. It's as simple as that!

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CareCredit is used to pay for out-of-pocket expenses not covered by medical insurance. They covers wellness at over 225,000 enrolled providers across the nation.


They normally offer term financing options of 6, 12, 18, or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not pay the full amount, interest is charged from the original purchase date.


Their financing options offer extended longer-term healthcare financing such as for 24, 36, 48, or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. Purchases of $2,500 or more may be eligible for a 60-month offer with a 17.90% APR. You need to apply to qualify.

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Proceed Finance


Proceed Finance partners with providers to offer patients large case financing for up to 96 months with no collateral required. Interest rates and payments are dependent upon credit but can be as low as 3.99% at a $157/month payment for a 96-month loan term.


To apply, visit Proceed Finance and check your rate and loan options instantly without affecting your credit. From there, you can begin the simple online enrollment process.

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