Payment Options

For your convenience, we accept cash, personal checks, money orders, and major credit cards. Payment is due at time of service. We are available to make financial arrangements for more extensive dental services.


As a courtesy to our patients in the Skokie and North Shore areas, Old Orchard Dental accepts most dental insurance programs, including non-managed care, indemnity (traditional) and PPO out-of-network. We are not in network with any provider. Our accounting staff will prepare all the necessary forms for your dental benefits. However, we remind you that your specific policy is a contract between you and your insurance company. Please be aware that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. Our staff will gladly submit a pre-treatment estimate to your insurance company so that you will know what your benefits will be.

The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.



We’re pleased to offer our patients CareCredit, North America’s leader in patient payment plans. CareCredit lets you begin your treatment immediately–then pay for it over time with low monthly payments that fit easily into your monthly budget.

CareCredit is like a credit card, but better.

CareCredit works like a credit card, but is exclusive for healthcare services. With no up-front costs, no pre-payment penalties, and no annual fees, CareCredit lets you pay over time and frees up cash and credit cards for the other things you want or need. CareCredit offers low monthly payment plans for healthcare procedures not commonly covered by insurance, including dental treatment. Plus, you can use your card again and again to pay for additional treatment for yourself or family members in any CareCredit practice.

  • Low minimum monthly payments
  • No-interest financing if paid within 12 months (additional plans may be available)
  • No up-front costs, pre-payment penalties or annual fees

Learn more by visiting or contacting our office. It only takes a few minutes to apply for CareCredit and you may receive an online decision in seconds! For more information or to apply now, just click on the link below.

Citi Health Card

The Citi Health Care Card has no annual fee and there’s no application fee when you apply. You can arrange low monthly payments, and unlike some dental loans, there’s no pre-payment penalty. Your card can also be used for other family members or it can be used to pay off what your dental insurance doesn’t pay. Approved patients can even view, manage, and pay their Citibank accounts online.

The Citi Health Care Card is offered by Citibank, which is a well-know financial institution backed by millions and millions of dollars. Making it easy for patients to pay for their dental care helps our dentists and staff achieve our dream of helping people. It is our goal to assist our patients in keeping their teeth for their whole lives, smiling when they want to and never having to worry about losing their teeth.

Use your Citi Health Card at participating providers to get flexible payment plans for the health care treatments your family needs. Participating providers may offer a variety of payment plans for many procedures that aren’t fully covered by insurance. Even your vet may accept the Citi Health Card.

A separate account for health care expenses keeps other credit available for personal use.

Learn more by visiting or by contacting our office. It only takes a few minutes to apply and you may receive an online decision in seconds! For more information or to apply now, just click on the link below.

Flexible Payment Plans

We offer flexible payment plans on qualified purchases and revolving credit options at participating providers (see your provider for details).

  • Low monthly payments and no pre-payment penalties
  • No down payment required

For more information about our financial policies, please give us a call. We will gladly assist you.