Financing and Insurance: Understanding Your Options

At Stubbs Dental we believe our patients deserve a healthy smile without the worry and stress that can be associated with treatment costs. That is why our doctors accept a variety of payment options and dental financing plans, including CareCredit® and partnerships with local credit unions, such as Mountain America. If you or someone in your family is considering dental treatment, our team can help you navigate the various financing and insurance options so you can make a choice that fits your needs and budget. 

A patient paying for his dental care with a credit card.
We accept a variety of payment and financing options.

Financing and Insurance: Understanding Your Options


Out-of-pocket costs for dental care can add up. CareCredit® provides health and dental care financing that can help patients pay for dental treatments and procedures. With zero-interest plans available, patients can make small monthly payments until their treatment is paid in full. Patients can apply online before their office visit to find out if they are approved.

Credit Unions

Stubbs Dental is proud to offer flexible financing through credit unions such Mountain America. Although patients will need to apply for membership, these credit unions can provide low-interest loans. To apply for a loan at any of these credit unions, patients can click on the respective links:

GreenSky Patient Solutions® Program

The GreenSky Patient Solutions ® Program provides leading financial technology to healthcare providers throughout the country. This technology offers fast, frictionless and attractive promotional financing options to patients who qualify. Financing is provided by federally insured, equal opportunity banks. With the simple click of the mouse, this secure service gives you access to:

• Easy application process

• Most loan decisions in minutes

• Multiple promotional financing options for qualified applicants

• Online tools to manage your account


LendingPoint is a provider of unsecured personal loans for consumers across the credit spectrum. By combining technology, proprietary algorithms and data models, LendingPoint figured out how to say yes to more people. This non-FICO-based model of evaluating credit worthiness has given many deserving consumers the chance to get the loans they deserve. 


Cherry makes it easy to spread your  payments out over time. Get approved in seconds and choose between flexible plans tailored to your budget, up to 24 monthly payments! No hassle, no paperwork, and applying won’t affect your credit score. While exploring your options with our financial guru, you'll have the option to use Cherry, which qualifies patients for up to $10,000, has no hard credit check and can offer zero percent financing to qualified customers.

Proceed Financing

The Proceed Finance model is simple – fully-funded, fast delivery financing and easy to understand terms and the lowest rates for patients. Proceed offers low interest rates, and repayment terms that last as long as 120 months, so you can find a way to make it work with your budget while improving your quality of life with the dental care you need.

Learn More about Our Financing Options 

At Stubbs Dental, we understand what a significant decision it is to spend money on your oral health. We believe that every individual should have access to high-quality dental care, regardless of their financial situation. Therefore, we strive to meet the needs of every patient who walks through our door.

At Stubbs Dental, we believe our patients deserve a healthy smile without the worry and stress that can be associated with treatment costs.

Our knowledgeable financial team is available to answer any questions you may have and determine a payment plan that will effectively meet your needs and budget. To learn more about your payment options, contact us today.

Maximizing your Insurance Benefits

We ask that you realize we don't work for an insurance company, but we do work for 100% of our patients. Most insurance companies provide great benefits for our patients and were going to do everything we can to maximize your benefits. So please understand that the fees we charge and the treatment that we're going to recommend is specifically designed for your individual needs and never based on your insurance coverage. 

No Insurance? No Problem!

The Stubbs Dental Membership Benefit Program is designed to provide affordability and greater access to quality dental care. With your member benefits program there are:

  • No yearly maximums
  • No deductibles
  • No claim forms
  • No pre-authorization requirements
  • No pre-existing condition limitations 
  • Immediate eligibility (no waiting periods)
  • Free consultations

With plans for individuals, dual (parent/child or husband/wife), and families from 3-6 members we have plans to fit your needs. Sign up for auto-renewal and you receive and extra 5% off your next year's premium! 

Call us today to learn about plan coverage, pricing, and to sign up today!

Stubbs Dental Membership Benefit Program
Stubbs Dental team

Stubbs Dental

The dentists at Stubbs Dental are committed to providing comprehensive dental care for your entire family. We are also proud to be affiliated with the:

  • American Dental Association
  • Academy of LDS Dentists
  • Utah Dental Association

For more information about our services, contact us online or call (801) 305-4051 today.

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