Financial & Insurance Information
Making Quality Dental Care Accessible
At Lena D. Karkalas, DDS, we believe that financial considerations should never stand in the way of receiving the dental care you need. We are committed to providing exceptional dental services while offering flexible payment options to help make treatment affordable for our patients.
Our team is happy to discuss treatment costs, review payment options, and answer any questions you may have before treatment begins.
Payment Options
We accept a variety of payment methods for your convenience, including:
Visa
Mastercard
Discover
Cash
Personal Checks
Cherry Financing
We proudly offer Cherry financing, making it easier to get the treatment you need with flexible monthly payment options. Cherry provides a simple application process and allows qualified patients to break treatment costs into manageable monthly payments.
Our team is happy to answer any questions and help you explore financing options that fit your budget.
Flexible In-Office Payment Plans
For qualified treatments, we also offer flexible payment arrangements directly through our office.
Convenient payment schedule of up to four months
Payments can begin at any time
Treatment begins once the agreed balance has been paid
No interest charges through the office payment plan
Dental Insurance
We welcome patients with dental insurance and are happy to help maximize your benefits.
Verify your insurance benefits
Assist with claim submission
Answer questions regarding coverage and estimated costs
Help you understand your treatment options
While we may not participate with every insurance carrier, we will work with you to help maximize your available benefits and reimbursement.
Insurance Plans We Commonly Accept
We accept many dental insurance plans and are happy to help verify your benefits prior to treatment. If you do not see your insurance provider listed, please contact our office. Our team will be happy to review your coverage and discuss your options.
Delta Dental
Blue Cross Blue Shield of Rhode Island
Blue Cross Blue Shield of Massachusetts
Aetna CVS Health
AlwaysCare
Unum
Colonial Life
Colonial Voluntary Benefits
Starmount
No Dental Insurance?
We offer an affordable In-Office Dental Plan designed for individuals, families, and businesses who want quality dental care without the limitations of traditional dental insurance.
Benefits Include:
No waiting periods
No annual maximums
No pre-existing condition exclusions
Preventive care included
15% savings on most dental services
Our membership plan provides an easy and affordable way to maintain your oral health while enjoying valuable savings on dental treatment. Whether you’re uninsured or have already exhausted your annual insurance benefits, our In-Office Dental Plan can help make quality dental care more accessible.
Learn more about our In-Office Dental Plan and find the membership option that’s right for you.
Have Questions About Payment or Insurance?
We understand that every patient’s situation is unique. Our team is here to help you navigate your insurance benefits, financing options, and treatment costs with confidence.
Contact our Providence, RI office today to learn more about our payment options and schedule your appointment.