Payments & Financing
Good dental care is one of the best investments you can make in your overall health. Keeping up with treatment shouldn’t have to feel out of reach, and understanding your payment options before your first visit makes it much easier to say yes to the care you need. Knowing what to expect financially takes a lot of the stress out of the process.
At Travis J. Calhoun, DDS, the goal has always been simple: make great dental care accessible to the people of Asheville and western North Carolina. Dr. Calhoun has been serving this community for over 30 years, and a big part of that commitment means being straightforward and transparent about how payments work. You can review all available dental services before your appointment, so there are no surprises when you arrive.
Will My Dental Insurance Cover Anything?
Even though Dr. Calhoun is not in-network, many patients can submit claims to their insurance provider for partial reimbursement. Coverage depends entirely on the individual plan and insurance company. The office can provide the documentation you need to submit a claim on your own, but payment for services is collected at the time of treatment.
If you have questions about how your specific plan works, it is always worth calling your insurance provider before your appointment. The team at the front desk is also happy to walk you through what paperwork you might need.
Dr. Calhoun’s office is a fee-for-service practice, meaning it does not participate in dental insurance networks. Patients pay directly for their care rather than going through a contracted insurance plan. This model gives Dr. Calhoun the freedom to make treatment decisions based solely on what is best for the patient, without the limitations that often accompany insurance restrictions or network agreements.
For many patients, this is actually a refreshing change. There are no surprise denials, no waiting on prior authorizations, and no compromise on the quality of materials or time spent in the chair. As the American Dental Association notes, knowing that financing options exist often increases the likelihood that patients move forward with recommended treatment rather than delaying care due to cost concerns.
What Financing Options Are Available?
Patients who need help spreading out the cost of treatment have access to flexible options. The practice works with two trusted third-party financing programs that allow you to pay over time rather than all at once.
Here is a quick look at what is available:
CareCredit
A health care credit card accepted at dental offices nationwide, CareCredit offers promotional financing periods that allow patients to pay off treatment costs over time. Applying takes just a few minutes, and approval decisions are often immediate.
Cherry
Cherry is a patient financing platform that offers flexible payment plans with a simple application process. It is designed to fit a range of budgets and credit profiles, making it a good option for patients who may not qualify for traditional financing.
Flexible In-House Financing
On a case-by-case basis, the office may work with patients directly to arrange payment. This is handled through a personal conversation with the team and considered based on individual circumstances.
These options exist because Dr. Calhoun believes that cost should never be the reason someone puts off dental care they genuinely need. If you have questions about which option might work best for your situation, the team is glad to talk it through with you before or after your appointment.
Why Choose a Fee-for-Service Dentist?
Choosing a practice that does not accept insurance might feel unusual at first, but many patients find it a better overall experience. Without the pressure of insurance contracts dictating treatment, Dr. Calhoun focuses entirely on what each patient actually needs. Time in the chair is not rushed, materials are chosen for quality rather than cost, and the relationship between patient and provider stays at the center of every visit.
Dr. Calhoun has been part of the Asheville community his whole life, training at UNC Chapel Hill and spending over 30 years caring for families across western North Carolina. His philosophy is direct: “It is my mission to treat everybody like they were my mom. I want to keep my skills at the absolute highest level so I can deliver the best dental care available.” You can learn more about his background on the Meet Dr. Travis page, or get to know the rest of the team that makes the practice what it is.
Schedule an Appointment With Travis J. Calhoun, DDS, in Asheville, NC
Payments and financing at this practice are built around one idea: dental care should be within reach. Whether you are paying out of pocket, using CareCredit or Cherry, or need to work out a flexible arrangement, the team will make sure you understand your options before treatment begins.
If you are ready to get started or just have questions about how payments work, reach out today. Use the contact form to schedule your appointment. The team looks forward to helping you take the next step toward a healthier smile.
Questions about payments and financing options? Give us a call at (828) 277-2722.