Common Insurance Providers We Work With
Coverage decisions are made by your insurer and plan sponsor. All trademarks and logos are the property of their respective owners and are used for identification only. Use of logos does not imply endorsement.
What to Bring to Your Appointment
- Insurance card and policy numbers
- Photo ID
- Secondary coverage information, if applicable
How Insurance Coordination Works
We submit to your primary insurer first. Secondary plans may cover remaining balances depending on plan rules. If direct billing is not available for your carrier or procedure, we will provide a detailed receipt for quick reimbursement.
Third-Party Financing Through LendCare and iFinance
For larger or longer treatments, we can help you apply to third-party financing providers such as LendCare and iFinance (Dentalcard). Approvals, interest rates, and terms are determined solely by the financing provider. We’ll outline your treatment, supply supporting documents as needed, and help you choose a payment schedule that fits your budget if approved.
Disclosures
- Financing is offered by third-party providers and is subject to credit approval.
- Terms, interest, and fees are set by the provider; Northbridge Dental is not the lender.
- Applying will share your information directly with the provider per their privacy policy.
How the Application Process Work
- 1Consultation and written treatment plan
- 2Choose a financing option (LendCare / iFinance)
- 3Complete provider application (online form)
- 4Receive approval decision and terms from the provider
- 5Begin treatment; payments managed directly with provider
Frequently Asked Questions About Insurance & Financing
Term lengths depend on the financing provider you choose and the amount you are approved for. LendCare and iFinance both offer a range of repayment periods, so you can select a term that fits comfortably within your monthly budget. Our team can walk you through the general options, but final terms are confirmed directly by the provider once your application is reviewed.
Interest rates are not set by Northbridge Dental. Each provider determines your rate individually based on factors like your credit profile and the details of your application. We recommend reviewing the rate and repayment terms carefully before accepting an offer, and our team is happy to answer any questions about how financing fits alongside your treatment plan.
Some financing plans allow early repayment without penalty, while others may have specific conditions. Since this varies by provider, we encourage you to ask LendCare or iFinance directly about their prepayment policy before signing your agreement, so there are no surprises later.
Yes, in most cases. Both LendCare and iFinance typically run a credit check as part of their standard application process to determine your eligibility and terms. This is a routine step handled entirely by the provider, not by our office.
Yes, absolutely. Many of our patients use their insurance to cover a portion of treatment and then finance the remaining balance, such as co-pays or costs for procedures not fully covered by their plan. Our team can help estimate your insurance portion first, so you know exactly how much you may need to finance.
