Travis J. Calhoun, DDS Financing Options
Quality dental care in Asheville should never be out of reach.
Flexible Financing That Makes Your Dental Care Simple and Accessible
Dental treatment is an investment, and it is completely natural to have questions about cost before committing to care. At the office of Travis J. Calhoun, DDS, we believe that financial concerns should never stand between you and the healthy smile you deserve. That is why we offer multiple financing solutions designed to fit a variety of budgets and treatment needs, so you can focus on your health rather than the price tag.
Financing Information
Payment Options Built Around Your Needs
As a fee-for-service practice, we operate independently of insurance networks, which means every financing decision we make is in your best interest rather than dictated by a third-party payer. We are committed to being upfront and transparent about costs, and our team is happy to walk you through your options before treatment begins so there are no surprises.
We want every patient in Asheville and the surrounding communities to have access to the high-quality, personalized care our practice has provided for over 30 years. Whether you are coming in for a routine restoration or a more involved procedure, we have flexible ways to make it work.
Our current financing options include:
- CareCredit: A widely accepted third-party healthcare financing solution that allows you to pay for treatment over time
- Flexible in-house financing: An arrangement handled directly through our office on a case-by-case basis; speak with our team to discuss what works for your situation
- HSA and FSA payments: Your Health Savings Account or Flexible Spending Account funds are accepted as a form of payment
We also file dental insurance claims on your behalf so that you can receive any out-of-network reimbursement you may be entitled to. Most insurance carriers send that reimbursement directly to you, which can offset your out-of-pocket costs further.
Our team is here to help you understand your options clearly. No pressure, no confusing paperwork, just a straightforward conversation about your care and your budget.
Process
Getting started with financing at our office is straightforward, and our team is with you every step of the way.
Schedule Your Visit
During your visit, Dr. Calhoun will evaluate your dental health and discuss any recommended treatment. This is your opportunity to ask questions and get a clear picture of what care will involve.
Review Your Treatment Plan
Our team will walk you through your treatment plan and provide a detailed breakdown of associated costs. We want you to feel informed and confident before any decisions are made.
Explore Your Financing Options
Whether you are interested in applying for CareCredit, using your HSA or FSA, or having a conversation with our team about flexible in-house payment arrangements, we will help you figure out the best path forward.
Begin Your Care
Once your financing is in place, you can focus entirely on your treatment and your health. Our goal is to make sure cost never becomes a barrier to the care you need.
Understanding Your Out-of-Network Benefits
Your Insurance Still Has Value Here
Something that surprises many patients is learning that being out-of-network with their dental insurance does not necessarily mean their plan is useless. As Dr. Calhoun often explains, being out-of-network can actually benefit patients in meaningful ways. When a dentist participates in an insurance network, that contract often dictates which procedures are covered, which materials can be used, and how treatment decisions are made. Out-of-network care removes those restrictions entirely.
At this practice, Dr. Calhoun recommends treatment based solely on what is best for your oral health, not on what an insurance company has pre-approved. That means you receive care tailored to your specific situation, using the materials and methods Dr. Calhoun believes are most appropriate, without an insurer limiting your options.
We file all dental insurance claims on your behalf so that you receive whatever out-of-network reimbursement your plan provides. In many cases, carriers send that reimbursement check directly to you. We are happy to explain how your out-of-network benefits work and help you understand what to expect from your plan before treatment begins.
Frequently Asked Questions
We know financing can raise questions. Here are a few of the most common ones we hear from patients.
Does the practice work with my dental insurance?
While we are a fee-for-service practice and are not in-network with any dental insurance carriers, we do file claims on your behalf so you can receive any out-of-network benefits your plan provides.
Most carriers send reimbursement directly to the patient. Our team is happy to help you understand how this process works.
How does CareCredit work for dental treatment?
CareCredit is a third-party healthcare financing option that allows you to pay for treatment over time rather than all at once.
If you are interested in applying, our team can point you in the right direction. CareCredit applications are handled directly through their platform, and decisions are typically quick.
What if I need a payment arrangement but am not sure what I qualify for?
We handle in-house financing on a case-by-case basis, which means the conversation is flexible. There are no rigid standards or preset terms.
If you have concerns about affording a larger treatment plan, the best step is simply to speak with our team directly. Leslie at our front desk is the best first contact, and she will work with you to find an arrangement that makes sense for your situation.
Questions about payments and financing options? Give us a call at (828) 277-2722.