Can I use HSA or FSA for dental work?

Yes. We accept both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for dental treatment.

Do you accept Medicaid or Medicare?

A to Z Magic Dental does not accept Medicaid or Medicare at this time. However, we offer six flexible financing options for patients without qualifying insurance coverage.

BooK NOW

💳 7 Ways to Pay · No Surprise Bills

Don't Let Cost Stop You From the Care You Need

Cost is the #1 reason patients put off dental work — sometimes for years. At A to Z Magic Dental, we've made sure that doesn't happen. Dr. Zhang discusses all costs at your free consultation before any work begins, and we offer 7 different ways to make your treatment affordable.

Cherry Financing CareCredit Proceed Finance Sunbit HSA / FSA In-House Plans Major Cards

📋 Book Free ConsultationCosts discussed before any work begins

📞 Richton Park708-481-2288 📞 Flossmoor708-957-2030

Insurance Quick Check

PPO plans accepted. Delta Dental & MetLife in-network.

HMO/DMO, Medicaid, and Medicare not accepted.

Not sure? We verify your coverage before any treatment.

No insurance? 7 financing options available.

🤝 You'll never be asked to commit to treatment before you know exactly what it costs.

7

Ways to Pay

$0

Consultation Cost

$0

Surprise Bills

100%

Costs Explained Upfront

●Cherry Financing

●CareCredit

●Proceed Finance

●Sunbit

●HSA / FSA

●In-House Plans

●Major Cards

Financing & Payment

Cost Shouldn't Be the Reason You Put It Off

We hear it constantly — patients who've been living with dental pain, a missing tooth, or a smile they're embarrassed of. Not because they don't want treatment, but because they assumed they couldn't afford it. They never even asked.

At A to Z Magic Dental, that conversation happens first. Dr. Zhang goes over all costs at your free consultation — before any work begins, before you commit to anything. No pressure. Just an honest plan you can look at and decide if it works for you.

And if the number feels out of reach, that's where the 7 payment options come in. Monthly financing with instant approval. In-house payment plans. Insurance. HSA/FSA. There's almost always a way to make it work — but only if you walk through the door.

Dr. Zhang with a patient at A to Z Magic Dental

"I was always hiding my smile because I was ashamed. I finally had the confidence to smile at the world."

— Casandra S., Richton Park patient

Payment Options

4 Financing Plans — At Least One Will Work for You

Every patient's situation is different. These are the financing options available at A to Z Magic Dental.

Cherry Financing

Buy Now · Pay Monthly

No Hard Credit Check

Apply quickly with no hard credit check. Instant decision, multiple plan lengths. Designed specifically for healthcare patients.

✓Soft credit check — won't affect your score

✓Quick application, instant decision

✓Plans from 3 to 24 months

✓0% APR options available for qualified patients

Apply below ↓

CareCredit

Healthcare Credit Card

Reusable Credit Line

A dedicated healthcare credit card accepted nationwide. Apply online or in-office. One card you keep using for future visits without reapplying.

✓Revolving credit line — reuse without reapplying

✓Promotional 0% interest periods available

✓Apply online or in our office

✓Accepted at 285,000+ healthcare locations

Apply at carecredit.com →

Proceed Finance

Large Case Financing

Up to 96 Months

Built for bigger treatment plans — implants, full mouth reconstruction, extensive care. Longer terms and higher limits than most options.

✓Loan terms up to 96 months (8 years)

✓No collateral required

✓Check your rate without affecting your credit

✓Ideal for high-value treatment plans

Check your rate at proceedfinance.com →

Sunbit

High-Approval Financing

Applied In-Office

Known for approving patients other lenders decline. Quick application, no hard credit check, no hidden fees. Applied during your visit.

✓High approval rate — even with limited credit

✓No hard credit check

✓Plans from 6 to 72 months

✓No hidden fees or penalties

Applied in-office — ask our team

Cherry Financing — Apply Now

See Your Payment Options in Minutes

Apply directly below to check what you qualify for at A to Z Magic Dental. No obligation — checking your options won't affect your credit score.

Also Accepted

Additional Ways to Pay

🏥

In-House Payment Plans

Custom payment arrangements built around your specific treatment plan. No third-party lender, no application — just a plan worked out directly with our team.

💰

HSA / FSA Accepted

Use your Health Savings Account or Flexible Spending Account to pay with pre-tax dollars. Works for most procedures including implants, crowns, and extractions.

💳

Major Credit & Debit Cards

Visa, Mastercard, Discover, and American Express all accepted. No application, no approval process — straightforward payment at checkout.

No Surprises

How Costs Work at A to Z

You'll always know the number before you commit to anything.

01

Free Consultation

Dr. Zhang reviews your situation and builds a treatment plan — at no charge. This is where the conversation about cost starts, not ends.

02

Costs & Insurance Reviewed

We verify your insurance and present the full treatment cost — including your out-of-pocket after coverage. You see the real number before agreeing to anything.

03

You Choose How to Pay

We walk through the financing options that fit your situation. You pick the plan that works for your budget. Then — and only then — treatment begins.

Common Questions

Financing FAQ

Do I need insurance to get treatment at A to Z? +

No. We see patients with and without insurance. If you don't have coverage, Cherry, CareCredit, Proceed Finance, Sunbit, and our in-house payment plans are all options to make treatment affordable.

Is Cherry or CareCredit better for me? +

It depends on your situation. Cherry is healthcare-specific with flexible terms and no hard credit check. CareCredit is a revolving credit line you can reuse for future visits without reapplying. Our team can help you decide which makes more sense for your treatment plan.

Will applying for financing hurt my credit score? +

Checking your options with Cherry and Sunbit uses a soft credit check — no impact to your score. CareCredit's application does use a hard inquiry. Ask our team for details specific to your situation.

Can I use my HSA or FSA for dental work? +

Yes — HSA and FSA funds can be used for most dental procedures including exams, cleanings, fillings, crowns, and implants. Purely cosmetic procedures like whitening typically aren't eligible. Check with your plan for specifics.

What if my insurance doesn't cover the full amount? +

Very common — insurance rarely covers 100%. We calculate your out-of-pocket amount at your consultation, and then you can use any of our financing options to cover the remaining balance. Many patients combine insurance with Cherry or CareCredit.

Can I split payments across multiple methods? +

Yes. For example, many patients use insurance for whatever it covers, then put the remaining balance on Cherry or CareCredit. We're used to helping patients combine options creatively to make treatment work.

Let's make it work

The First Step Is a Free Conversation
About What It Actually Costs

No commitment. No pressure. Just an honest look at your treatment plan, the real number, and the options to make it affordable.

📋 Book Free Consultation 📞 Richton Park 708-481-2288 📞 Flossmoor 708-957-2030

Open Mon–Sat, 9am–5pm · Costs always discussed before treatment begins