A smile makeover can change your life, but the cost often stops people before they even ask about treatment. Between veneers, professional teeth whitening, and other cosmetic dentistry procedures, the investment can feel overwhelming. The good news is you have more payment options than you might think, and many of them make achieving your dream smile surprisingly affordable.
Here in Georgia, Ponce Dental Studio helps Atlanta and Buckhead residents explore every available financing option. Our in-house lab and AI-driven technology allow us to control costs while delivering exceptional results. We believe everyone deserves access to quality dental care, which is why we work with you to find payment solutions within your budget.
What Does a Smile Makeover Cost?
The price of your smile makeover depends on which procedures you need and the extent of your treatment plan. Dental veneers might address chips and discoloration. At the same time, some patients benefit from combining veneers with teeth whitening or orthodontic work. Other smile makeovers involve full-mouth reconstruction for patients with multiple dental issues.
At Ponce Dental Studio, we provide detailed estimates during your consultation so you know exactly what to expect. Our commitment to price transparency means no surprise bills or hidden fees. You receive a clear breakdown of costs before any work begins, giving you time to explore your financing options and make informed decisions about your care.
How Does Dental Insurance Cover Cosmetic Procedures?
Most dental insurance plans treat cosmetic procedures as elective, meaning they typically won’t cover things like veneers or whitening. However, if your smile makeover includes restorative elements, your insurance might cover portions of the treatment. For example, crowns or bridges performed for functional reasons often receive partial coverage even when they also improve your smile’s appearance.
We accept Delta Dental, Principal, and Ameritas insurance plans. Our team reviews your benefits and maximizes your coverage whenever possible. Many patients are surprised to learn that their insurance covers more than they expected, mainly when treatment addresses both cosmetic and functional concerns. We help you handle these conversations and submit the necessary paperwork. You can also use our insurance eligibility checker to get started right away.
What Third-Party Financing Options Exist for Smile Makeovers?
Third-party financing companies make dental care accessible through monthly payment plans. These options let you spread the cost of your smile makeover over time rather than paying it all up front. Many patients find this approach fits their budget better while still allowing them to receive the treatment they need. The application process is straightforward, and approval often happens within minutes.
CareCredit is one of the most popular healthcare credit cards in America. You can use it for dental work and other medical expenses. The company offers promotional periods with zero interest if you pay the balance within the specified timeframe, with terms typically ranging from six to 24 months, depending on the procedure cost.
Cherry provides another excellent financing solution with patient-friendly terms. This company often approves applicants who might not qualify elsewhere and offers various payment plans, including interest-free options and low monthly payment arrangements. You apply online, receive instant approval, and can complete your treatment the same day if desired.
Can You Use a Health Savings Account or Flexible Spending Account?
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) offer tax-advantaged ways to pay for dental care. You contribute pre-tax dollars to these accounts through your employer, reducing your taxable income. The money then pays for qualified medical and dental expenses throughout the year. According to the IRS guidelines on HSAs, you can use these funds for dental treatments, including many cosmetic procedures, if they address medical necessity.
Check your plan’s specific rules about cosmetic dentistry coverage. Some FSAs have strict guidelines about what qualifies, while HSAs typically offer more flexibility. You can use these accounts in combination with insurance or financing to further reduce your out-of-pocket costs. Even purely cosmetic treatments sometimes qualify if your dentist documents how they improve oral function or prevent future problems.
Why Should You Schedule a Consultation to Discuss Smile Makeover Financing?
Understanding your payment options helps you move forward with confidence. A smile makeover is an investment in yourself, and the right financing plan makes it manageable. At Ponce Dental Studio, we break down every option available, review your insurance benefits, and help you apply for third-party financing if needed.
Call Ponce Dental Studio at (404) 777-4040 or complete a contact form to schedule your consultation. Our YouTube channel features patient testimonials showing real smile transformations we have achieved. Whether you visit our Atlanta or Buckhead location, we help you explore every payment option and create a plan aligned with your budget and goals.
Dr. Frank Nia is a distinguished cosmetic and restorative dentist, co-founder of Ponce Dental Studio in Atlanta, GA. With a DMD from the University of Pennsylvania School of Dental Medicine and an MSEd in Higher Education, Dr. Nia brings over a decade of experience in managing multi-site dental practices. Known for his innovative approach to dentistry, he combines cutting-edge technology with compassionate care. Dr. Nia is a Fellow of the International Congress of Oral Implantologists and holds licenses in multiple states, including certification for oral and I.V. Sedation therapy in Georgia.