Financing & payment
Pay your way. Zero-interest options for qualifying cases.
We accept all major insurance as out-of-network and offer three patient-financing partners plus an in-house membership for patients without dental insurance. Every treatment plan ships as a written, line-item quote — never a verbal range.
Patient financing partners
Sunbit
Instant approval. No hard credit pull.
3, 6, 12 or 24 months · APR varies by approval
Best for
Smaller treatment plans up to $10,000
CareCredit
0% APR for 6, 12 or 18 months on qualifying purchases.
Up to 60-month fixed-APR options for larger plans
Best for
Cosmetic and implant cases $2,000+
LendingClub Patient Solutions
Extended fixed-APR plans up to 84 months.
True No-Interest and Extended plans available
Best for
Full-mouth reconstruction and All-on-4 cases
| Plan | Term | APR | Best for |
|---|---|---|---|
| CareCredit promotional | 18 months | 0% APR* | Plans $2,000+ |
| Sunbit | 3 – 24 months | Varies by approval | Same-day plans up to $10,000 |
| LendingClub Patient Solutions | Up to 84 months | Fixed-APR | Full-arch / All-on-4 |
*Subject to credit approval. Promotional financing terms are set by the third-party lender and not by Grand Mercer Dental. Ask the front desk for current terms before applying.
Grand Mercer Membership Plan
Built for patients without dental insurance. Cheaper than most PPO plans and accepted in-house only — no claims, no waiting periods, no annual maximums.
Children under 14 add $24/month. Cancel any time. No claims, no waiting periods.
- Two professional cleanings per year
- Two exams with Dr Marchetti or Dr Patel
- All routine digital X-rays
- One emergency exam visit per year
- 15% off cosmetic and restorative treatment
- 10% off Invisalign and implant cases
Insurance & HSA / FSA
We are out-of-network with all PPO carriers but provide pre-authorization documentation and itemized statements for your reimbursement claim. Most patients with good PPO plans recover 30–50% of treatment cost.
We accept HSA / FSA cards directly at the front desk.
Questions about your treatment plan?
Call the studio and ask for our patient coordinator. She can walk you through every line item, run a Sunbit pre-qual in two minutes, or quote insurance reimbursement based on your specific PPO.