Our Payment Methods

The perception that dental care is a service that exists for a select demographic and stands beyond most people's accessibility certainly influences many individuals on their decision to avoid them. That is a dangerous assumption that results in a health gamble and as such, we are doing as much as possible to challenge this notion. Our office in San Antonio, Texas, is dedicated to helping our clients learn about different payment options they can choose from. We want to make sure everyone receives the dental care that they need when they need it.

You may settle your dental fees using one or more of the payment methods accepted by our office. To be sure, cash payments are preferred by a majority of people, while many others like to use credit cards, and yet another group of patients is covered by some level of dental insurance. We are here to help you make the best decision regarding your health (including your financial health!) notwithstanding your preferred payment method. Moreover, our office offers CareCredit--a service you can apply for in order to facilitate a flexible payment alternative that lets you receive the dental treatment you require even if you lack the budget for it at the time of your appointment.

What follows is a brief overview of our accepted payment options at Whispering Oaks Family Dental in San Antonio, Texas.


Our office accepts CareCredit, a healthcare credit card that is used to pay for out-of-pocket expenses not covered by dental insurance. CareCredit is subject to credit approval, but once you are accepted, you can use it again and again. CareCredit is a great option if you're on a budget, in that you can pay for your dental expenses in installments. Ask us about CareCredit today! Applying is easy, and we are here to answer any questions.

Apply for CareCredit


Medical insurance is definitely one of the main tools for effectively managing a budget. Insurance companies cover many health expenses so the patient doesn't have to pay out of pocket.

Dental insurance is a type of medical coverage that provides for certain dental expenses. It may be offered as a part of the overall medical indemnity or as a separate policy. To better assist patients, our office in San Antonio, Texas, also processes treatment compensations through dental insurance. Do keep in mind that this method has a few additional details that need to be dealt with before payment is transferred, so we ask that you check with your insurance provider before your treatment begins.

First, please make sure your insurance plan is currently active, since many policies go into effect several months after you've received approval. You are also advised to make sure that the treatment you will be going through is covered by your insurance company. There are some cases when your insurance may ask you to pay your dental fees (whichever way you find convenient: cash, check, credit card), and offer to reimburse you after you provide certain documents required to process your reimbursement.

Besides settling details with your provider, we also recommend that you confirm your insurance is accepted by our office since there could be some agencies that are not registered with us. Remember, most dental insurance only covers part of your services and you will have a balance remaining that you can pay using our other payment options. If you are paying for dental services through insurance, please bring your insurance card and a form of ID on the day of your visit.


Many people find it convenient to pay in cash as it avoids any extra charges or fees later. Approximately 42% of all dentistry fees are paid in cash and direct payments or bank transfers. It is also common to see people pay for half of their treatment in cash and have the remaining portion covered by their insurance provider, although this should be approved by the insurance company before beginning any procedure.

Personal Checks

Paying with checks seems like a more outdated payment method and not many service providers accept personal checks anymore. We recommended verifying if a dental office accepts this form of payment before your appointment.

Even though paying with a check is assumed by many people to be a long process, in reality it is not. Should you need to use a personal check or make a bank transfer, our office will be happy to provide you the necessary details to complete the transaction. Such details may include the receiver’s name, account number, etc.

Credit Cards

Today, the majority of people opt for paying with their credit cards than with any other payment method. As a result, millions upon millions of credit card transactions are made every minute around the world. In addition, credit cards are believed to be more convenient and safer to carry around than cash.

If the reasons cited above aren't enough to sway non-credit card users, there is also the fact that several credit card companies offer very attractive benefits on transactions. Paying for dental services with credit cards not only fixes your dental issues, it can also help improve your credit. The two most common dental treatments paid for with credit cards are cosmetic treatments and surgeries, such as extractions.

Our office accepts the majority of credit cards for your maximum convenience. If you are unsure regarding whether we accept your specific credit card or not, please give us a call and we'll promptly let you know if our office accepts payments made with your credit card.