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Financing & Insurance

Financing & Insurance


Paying for your treatment should never preclude you from receiving the care you need. Our financial professionals can assist you with obtaining payment plans to meet your individual requirements.

Be sure to inquire about prepaid and paid in full options. Midlothian Family Dentistry accepts cash, personal checks, money orders and major credit cards.

In some instances, patients choose to obtain funding through their own financial institutes (Bank or Credit Union).

For your convenience, you can apply or make payment with our primary lender, CareCredit, by clicking the link below:

CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it again and again* to help manage health, wellness, and personal care costs not covered by insurance.

*Subject to credit approval. Not all providers offer all promotional financing options so please check with your healthcare providers on which financing options they offer. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.


Smile today pay later. Monthly payments are now available through Lending point. Get a decision in seconds, provide few details, select your monthly payment, sign your agreement and get smiling today with no money down.

*Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and APR may vary based upon review of your credit, financial condition, other factors, and supporting documents or information you provide. Installment loans made by First Electronic Bank, a Utah-chartered industrial bank, member FDIC or Lending Point LLC.


Insurance Providers

Many provider’s plans have various levels of participation. Please give us a call if you have questions about your plan or if you don’t see your provider listed here. Our well-trained staff is available to answer your questions about which plan levels we accept and guide you through any concerns you may have regarding your dental benefits. Please note that Midlothian Family Dentistry does not accept Dental Health Maintenance Organization (DHMO) plans.

Insurance Providers

Does MFD accept indemnity and PPO plans?

Yes, we accept some indemnity and PPO plans. Please call us at (804) 897-7900 for more information on your specific plan.

Can MFD tell me about my plan's benefits?

We will be happy to conduct a complimentary benefit analysis with your provider ahead of your appointment and keep you apprised so you can make informed decisions about your dental care. We believe that delivering the best treatment designed just for you should never be compromised by your provider’s participation.

What if my insurance doesn't cover services?

Please remember that your policy is an agreement between you and your insurance company. You are responsible for your total obligation should your insurance benefit result in less coverage than anticipated. We strive to prevent this from happening – we hate ’sticker shock’ as much as you do! Also be mindful that ‘out of network’ providers may reduce reimbursements on your behalf compared to ’in network’ providers. Our fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services.

What are my options if I don't have dental Insurance?

If you don’t have dental insurance or have experienced a loss of your benefits, we can help! We believe no one should avoid visiting their dentist simply because they lack insurance coverage.

We've partnered with Kleer to offer affordable Membership Plans designed to provide you with the services and treatments you need. Our Kleer Membership Plans offer significant savings on routine preventative care, discounts on other services, and include emergency visits too! Plus, our Membership Plans have no waiting periods, no benefit limits and do not require pre-determinations or pre-approvals. Just sign up and start saving immediately!

No Dental Benefits?
We Have You Covered!

Midlothian Family Dentistry Membership Plans Kleer Video

Midlothian Family Dentistry
Has you covered with our affordable dental membership plans!

View Our Plan Options