Payment Options

Many patients worry about paying for dental care, but fortunately at Heartland Family Dental Care, we offer a variety of payment options. Our mission is to make you feel comfortable throughout your visit and this goal includes paying for our dentist's services. Review the different payment methods we accept at our Effingham, Illinois dental office and don't hesitate to ask us questions about any of these options.

Cash and Personal Checks

Since cash payments can be faster and more convenient, many of our patients opt for this method.

We also accept personal checks at our dental office. Our staff is happy to provide you with any information you may need to complete the check accurately.

Credit Cards

Credit cards are another common method of payment at our office. We accept various types of credit cards, such as Visa and Mastercard. For a complete list of accepted types or to verify your card, contact our team directly.

Determining Which Option is Right for You

With the number of payment options available at our dental office, you can choose the one that is most convenient for you. We want to make sure you always have a great experience when you visit, so if you need assistance choosing the payment method, our team is ready to help. Our staff at Heartland Family Dental Care in Effingham, Illinois is here to answer all of your questions.


Our office accepts CareCredit, a healthcare credit card that is used to pay for out-of-pocket expenses not covered by dental insurance. CareCredit is subject to credit approval, but once you are accepted, you can use it again and again. CareCredit is a great option if you're on a budget, in that you can pay for your dental expenses in installments. Ask us about CareCredit today! Applying is easy, and we are here to answer any questions.

Apply for CareCredit


There are various dental insurance plans today and many of the plans fully or partially cover basic dental work, including teeth cleanings, fillings, check-ups and more. It's important, however, to verify that we are an accepted provider to use through your dental insurance. Since dental plans can vary in terms of services covered and accepted providers, we recommend calling your insurance company in advance to find out which dentists and procedures are covered. Keep in mind that if your dental insurance only covers part of your services, you will have a balance due, which can be paid through a variety of other methods. If you are paying for dental services through your insurance, please bring your insurance card and a form of ID the day of your visit.

At , we offer diverse payment options that fit most budgets. For more information, contact us at 217-540-5000. We'll be happy to assist you.