*Cleaning in the absence of gum disease. Exclusions apply. Cannot be combined with insurance or other offers.

Dental Financing Options in Panama City, FL

Panama City's family-owned dental practice, making care accessible for every budget.

Flexible payment options are available, schedule your visit today.

★★★★★ 4.90 (194+ Reviews)

Getting dental care should not require paying everything at once. We accept CareCredit and Cherry financing, most major PPO insurance plans, HSA and FSA funds, cash, checks, and all major credit cards. For patients without insurance, we also offer an in-house membership plan with discounted access to care.

We make it easy for new patients to understand their options before they ever sit in the chair. Our team will walk you through whatever payment approach fits your situation.

Financing Plans

We work with two patient financing providers that let you split treatment costs into manageable monthly payments.

  CareCredit Cherry
What it is Healthcare credit card accepted nationwide Patient financing built for healthcare practices
Application Apply online before your appointment Quick in-office application, no hard credit check
Best for Promotional interest-free periods when paid in full on time A wide range of credit profiles

Insurance We Accept

Marina Pointe Dental is a PPO practice that works with a wide range of dental insurance plans, including:

BCBS (some plans)
Cigna
United Concordia
Florida Combined Life
Delta Dental
United Healthcare Commercial
MetLife
Anthem
Guardian
Humana PPO
Central States Funds
CompBenefits
Sun Life
Unum
Lincoln Financial Group
Mutual of Omaha

Our team handles insurance verification, pre-authorization, and claim submissions on your behalf. According to the ADA Health Policy Institute, adults without dental insurance visit the dentist at significantly lower rates than those with coverage. Knowing your benefits ahead of time makes it easier to plan and say yes to the care you need.

Other Accepted Payment Methods

Beyond financing and insurance, we accept several payment options. Cash, checks, and all major credit cards are welcome. We also accept HSA and FSA funds, which can be used toward most dental procedures, including preventive and restorative care. If you have money set aside in either account, dental treatment is one of the most practical ways to put it to use.

Our In-House Membership Plan

For patients without dental insurance, our in-house membership plan offers a straightforward alternative. It provides discounted access to care directly through our practice, without the complexity of annual maximums or waiting periods. Ask our team about the current plan details when you call or come in.

Financing Options That Work for Your Budget

Dental care should fit your life. We work to make sure it does. Whether you are using insurance, a financing plan, or HSA funds, we will help you find a path forward. Patients considering cosmetic dentistry can also use CareCredit or Cherry to cover those treatments, making elective care more accessible than most people expect.

Marina Pointe Dental is a family-owned practice in Panama City, Florida, where our doctors are committed to honest, personalized care from start to finish. Our team takes the time to review your options with you so there are no surprises when it comes to billing.

Ready to Talk Through Your Options?
Our team at Marina Pointe Dental will help you find the financing or payment plan that fits your budget.