Financing Options for Your Child’s Dental Work

A child’s dental health should be a top priority for parents. However, it can be hard to prioritize dental work that’s expensive. That’s why it’s important to find financing for dental work and an affordable dentist.

At Kool Smiles, there are several ways to fund your child’s dental care. Keep reading to learn about our affordable payment options.

Ways to Finance Dental Work for Your Kids

Below are several financing options for your child’s dental work:


Like credit cards, CareCredit allows you to pay for dental treatment through monthly payments.

With affordable monthly payments, CareCredit covers preventative dental care including:

  • Checkups
  • Teeth cleaning
  • Fluoride treatments
  • Ceramic fillings
  • Endodontics
  • Periodontics
  • And much more!

CareCredit also covers less common procedures like root canals, braces or retainers, denture fittings, and other types of tooth repair.

Like credit cards, CareCredit charges interest. Making late payments might also make the interest rates on other credit cards go up, so make sure you pay your monthly bills on time.

If you’re interested in CareCredit, the friendly team members at Kool Smiles can help you apply right in our office.

Credit Cards

Credit cards can always be used to pay for dental care at Kool Smiles. They allow for paying a set amount per month instead of paying the total for services up-front.

Keeping up with monthly payments is the best way to stay out of debt.

  • Pros: Spreading payments out monthly is an easy way to keep a balanced budget and healthy credit score.
  • Cons: Some credit cards have higher interest rates. The credit card holder could end up paying more than the cost of treatment in interest if they only pay the minimum monthly amount.

Other Options for Affordable Dental Work

In addition to CareCredit and credit cards, we also offer the following affordable financing options for dental work:


TRICARE is a health care program created by the United States Department of Defense Military Health System. It provides dental coverage to military families.


Medicaid covers children up to 21 years old. Medicaid could pay up to 100% of your child’s dental work, depending on the state you live in.

However, not every dentist office accepts Medicaid, and some put a limit on the number of Medicaid patients they’ll treat in a day. Fortunately, at Kool Smiles, we never place a limit on the amount of Medicaid patients we see in a day.

Find Affordable Financing for Dental Work at Kool Smiles

Kool Smiles is an affordable children’s dentistry with over 120 locations across the U.S. All of our offices accept Medicaid, TRICARE, most major insurances, CareCredit, cash, and credit cards.

Your child’s smile and health are important to us, so call us today for more information about our financing options and schedule an appointment for your child.