Insurance and Finance

It is our mission to provide high-quality and affordable dental treatment for every budget. Our staff will present you with a treatment plan that Dr. Downs has prepared prior to the services being started. We will inform you of all costs and any dental insurance coverage that your policy provides. We accept payments by cash, check, Visa, MasterCard, Discover and American Express.


Downs Dental Care Wellness Plan

At Downs Dental Care, our priority is your dental health. Insurance and financial limitations should not delay proper dental care. The Downs Dental Care Wellness Plan has been designed to provide discounts to make your dental care affordable.

The Wellness Plan is ideal for:

  • Individuals and Families
  • Retirees
  • Small Businesses
  • Self-Employed Individuals
  • Anyone without dental insurance coverage
  • Anyone who is not satisfied with their dental insurance coverage

The Wellness Plan provides similar benefits to a traditional insurance plan, but it is simplified and easy to understand. Under the Wellness Plan, each patient is eligible to receive the following during each plan year:

  • 2 Cleanings
  • 2 Periodic Exams
  • 1 Problem Focused Exam
  • 2 or 4 Bitewing X-Rays
  • 2 Periapical X-Rays
  • 1 Panoramic X-Ray or Full-Mouth Series (Typically taken every 3-5 years)
  • 2 Fluoride Treatments

The plan also provides a 20% discount off of our normal fees for dental treatment, including fillings, extractions, root canals, crowns, etc. It also provides a discount on Invisalign treatment. You will not have to worry about typical insurance drawbacks such as annual deductibles, annual maximums, waiting periods, pre-existing exclusions, pre-authorizations for treatment, or monthly premiums. The Wellness Plan is paid for with a one-time yearly fee. We offer multiple plans, choosing the right one for you and/or your family. 

*Please Note- This program is not dental insurance. It is an internal program and cannot be used at any other dental office, including offices of specialists. This program cannot be used in conjunction with any other dental insurance policy or discount plan.

We are happy to be able to provide our patients with an affordable alternative to dental insurance. If you are interested in receiving more information on the Down Dental Care Wellness Plan, contact our office and we will go over the details with you.



We hope that finances don't stand in the way of you achieving a healthy and beautiful smile. We are happy to offer CareCredit, a third-party finance option to make your treatment more affordable. CareCredit offers an interest-free and reduced interest payment option that allows you to focus on what matters most... a healthy smile.

It is quick and easy to apply. Applications are available in our office or you can apply online at

 care credit logo




Our office will work with you to maximize your annual dental benefits. Because dental policies vary, we can only estimate your dental coverage and cannot guarantee coverage due to the frequencies and limitations that most insurance plans have. We are happy to file your insurance claim as a courtesy to you, and we ask that any estimated copayments and deductibles be paid at the time services are rendered.

Dr. Downs is a participating provider with many major PPO insurance companies. If you are unsure if we accept your insurance, don't hesitate to give our office a call.