Understanding your dental payment options shouldn’t be complicated. At Simpson Dental, we believe in making exceptional dental care accessible to everyone in Charleston and throughout West Virginia. As a fee-for-service practice, we do not accept dental insurance — which means we’re never limited by what a carrier will or won’t approve. Instead, we focus entirely on the care you deserve, with flexible financing options to make it accessible.
Your dental health is an investment, and we’re committed to helping you navigate the financial aspects of your care with clarity and transparency. Below, you’ll find detailed information about our payment and financing options designed to make high-quality dental care accessible.
Our Fee-for-Service Approach
Simpson Dental is a fee-for-service practice. We do not accept or file dental insurance. This model allows Dr. Christen Simpson Raynes and Dr. Chase Preston to make every treatment decision based solely on what’s best for you — not what a carrier will or won’t reimburse.
What Fee-for-Service Means for You
When you choose a fee-for-service practice like Simpson Dental, you pay directly for your care at the time of service. In return, you receive:
- No insurance-driven treatment limitations
- Access to the highest-quality materials and techniques
- Care decisions made entirely by your dentist, not an insurance company
- Transparent, upfront pricing with no surprise claim denials
We understand that navigating dental costs without insurance can feel uncertain. That’s why we offer a range of flexible financing options — so cost is never a reason to delay the care you need.
Why We Choose Quality Over Network Restrictions
Many insurance companies focus primarily on cost reduction rather than long-term care quality. Their research shows most patients change insurance providers within five years, so their priority isn’t your long-term dental health.
At Simpson Dental, we take a different approach. Since 1948, our practice has prioritized excellence in dental care using the finest materials and most advanced techniques. With our team of experienced professionals, including three full-time lab technicians with a combined 60 years of experience, we create custom dental solutions that are both beautiful and long-lasting.
Our commitment to quality means we don’t let insurance dictate your treatment options. At Simpson Dental, quality dentistry is ultimately the best value — it’s more beautiful, lasts longer, and saves you time and money in the long run.
Flexible Financing Options
We understand that dental treatment represents a meaningful investment. That’s why Simpson Dental offers several flexible payment options to help make your care accessible and affordable.
Care Credit
Care Credit is a healthcare credit card designed specifically for medical and dental expenses not covered by insurance. We’re pleased to offer Care Credit financing with these benefits:
- 6-12 month interest-free payment plans
- Simple application process
- Quick approval decisions
- Ability to use for all family members
- Convenient monthly payment options
You can apply for Care Credit directly through our office, or start your application online for faster processing.
Cherry Financing
Cherry offers patient financing solutions with:
- 6-12 month interest-free plans
- Easy online application process
- Quick decisions
- Flexible payment options
- No prepayment penalties
Cherry provides another excellent option for making your dental treatment more affordable through manageable monthly payments.
Happen Bank
We also partner with Happen Bank to offer additional financing flexibility:
- 6-12 month interest-free payment plans
- Competitive rates
- Online application
- Extended payment options
- Fixed monthly payments
Apply online through our Happen Bank application link to explore your financing options.
Proceed Finance
Proceed Finance rounds out our financing lineup with extended payment options built for larger dental cases:
- Extended payment terms for larger treatment plans
- Fast online application and decisions
- Fixed monthly payments
- Options for a wide range of credit profiles
- Designed for comprehensive dental care
Learn more or apply online through our Proceed Finance application link to see which payment plan fits your treatment.
Making Advanced Dentistry Affordable
Our financing options are designed to make advanced dental procedures more accessible. Whether you’re considering dental implants, cosmetic dentistry, or restorative treatments, our team can help create a financial plan that works for your budget.
Many of our patients are surprised to learn how affordable quality dental care can be with our payment options. Instead of postponing necessary treatment due to financial concerns, our flexible plans allow you to:
- Get the treatment you need when you need it
- Spread payments over time
- Maintain your dental health without financial stress
- Invest in long-lasting solutions rather than temporary fixes
Frequently Asked Questions About Insurance and Financing
Does Simpson Dental accept dental insurance?
Simpson Dental is a fee-for-service practice and does not accept dental insurance. This allows Dr. Christen Simpson Raynes and Dr. Chase Preston to make every care decision based on what’s best for you — not what an insurer will approve. We offer flexible financing through CareCredit, Cherry, Happen Bank, and Proceed Finance to help make treatment accessible.
How do I know which financing option is best for my situation?
Our friendly administrative team can help you compare options based on your treatment plan, budget, and preferences. We’ll walk you through the application process, payment terms, and any applicable interest rates for each option so you can make a confident, informed decision.
Can I finance larger procedures like implants or full-arch restorations?
Absolutely. Our financing partners — CareCredit, Cherry, Happen Bank, and Proceed Finance — offer extended payment plans that make even comprehensive dental work manageable and affordable. Many patients are surprised by how accessible quality care can be with the right payment plan in place.
Do you offer payment plans directly through the practice?
We work with trusted financing partners — CareCredit, Cherry, Happen Bank, and Proceed Finance — to provide payment plans. These companies specialize in healthcare financing and offer competitive terms and a simple application process.
How do I know what my treatment will cost?
Our team provides transparent cost estimates before any treatment begins. We believe in clear, upfront pricing so you can make informed decisions with no surprises along the way.