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Accepting New Patients

FIND US HERE
140 North Villa Street, Porterville, CA 93257
559-784-6523

Financial Options & Insurance Information

Making Quality Dental Care Accessible for Every Budget

At Richard Hardt, D.D.S., we believe everyone deserves a healthy, beautiful smile. We understand that dental care is an investment in your health, and we’re committed to making treatment accessible through flexible payment options that work for your budget.

Payment Methods

For your convenience, we accept payments with cash, checks, debit cards, and credit cards from all major banks. Our team will also help you complete the transaction and provide detailed receipts for your records.

CareCredit®

Flexible Financing Options

We proudly partner with CareCredit to offer affordable monthly payment plans that fit your budget. With CareCredit, you can:

  • Access promotional financing options to make treatment more affordable
  • Choose payment plans that work with your monthly budget
  • Apply quickly and get an instant credit decision
  • Use your CareCredit card for the whole family’s dental needs

We also offer Cherry financing as an additional option for patients who prefer alternative payment solutions.

Whether you need financing for routine cleanings, essential dental work, or cosmetic treatments like Invisalign and veneers, we’ll help you find a payment plan that makes sense for your situation.

CareCredit® is a credit card designed to help patients manage healthcare expenses not covered by insurance. After a simple application process, patients can receive a line of credit that can be used for dental treatments and procedures in our office.

The flexibility of CareCredit® makes managing out-of-pocket healthcare costs easier and lets you receive the treatment you need without financial strain.

Please use our custom QR link below to apply. While the regular CareCredit® website requires a minimum credit score of 690, our link accepts applicants with a minimum score of 540.

Insurance and Billing

Insurance Coverage – We Work With Your Benefits

While we operate as a fee-for-service practice, we welcome patients with all dental insurance plans. Our experienced team will:

  • File claims directly with your insurance company on your behalf
  • Help you understand your out-of-network benefits
  • Provide detailed treatment estimates showing your expected coverage
  • Handle all the paperwork so you don’t have to

We work with all major insurance providers. Even though we’re not contracted with specific networks, many patients find their out-of-network benefits still provide substantial coverage for their dental care.

Investment in Your Smile

From preventive care to dental implants and full-mouth restorations, we’ll work with you to create a treatment plan that fits both your dental needs and your financial comfort level. Our team will always provide transparent pricing and discuss all payment options before beginning treatment.

Ready to explore your options? Contact us at (559) 784-6523 or schedule a consultation to discuss how we can make your dental care affordable.

Frequently Asked Questions

We’re a fee-for-service practice, which means we’re not contracted with specific insurance networks. However, we work with dental insurance plans and will file claims directly with your insurance company. Many patients are pleasantly surprised to find their out-of-network benefits provide excellent coverage.

We offer multiple convenient payment and financing options to fit your budget. We accept cash, checks, and all major credit cards for your convenience. For larger treatments, we’re proud to partner with Care Credit, which offers special financing options including 0% APR plans for qualified applicants. Care Credit can be used for routine dental work, cosmetic procedures like Invisalign and veneers, and major treatments like dental implants and full mouth restorations. We work with many dental insurance plans, and our team will help maximize your benefits by handling all the paperwork with your insurance company. We’ll always provide you with a clear treatment estimate upfront so you can make informed decisions about your care. If you have questions about financing your treatment or want to discuss payment arrangements, please don’t hesitate to ask – we’re here to help make quality dental care affordable for you and your family. Call us at (559) 784-6523 or contact us online to learn more about our financial options.