Flexible Options

Payment & Financing Options

We believe that cost should never prevent you from receiving the care your body deserves. Luma Biological Dentistry in Sarasota offers multiple payment methods and financing plans so you can focus on your health, not the price tag.

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  • Affordable Care, No Compromise

We work with leading financing providers to offer low monthly payments, interest-free promotional periods, and flexible terms for treatments of any size.

Affordable Care

Your Financing Options At Luma

Dentistry that considers the whole person, not just the tooth

Low Monthly Payments

Most financing applications take just a few minutes and provide an instant decision. Our team can help you apply in the office or you can get pre-approved online before your appointment through any of our partner platforms.

Apply in Minutes

Applying is quick and simple, with an instant decision in most cases. Our team is happy to help you apply in the office, or you can get pre-approved online before your visit.

Insurance & Payment

Insurance and Payment Methods

Your health shouldn’t have to wait. With flexible payment options and trusted financing partners, we make it easier to move forward with the care that’s right for you—on a schedule that fits your budget.

Your health comes first. We will work with you to find a payment solution that fits your budget and keeps your care on track.
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Your Monthly Payment
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0% Promo Financing

* No Interest if paid in full within 6, 12, 18, or 24 months. For 36/48/60 months, reduced APR applies. Interest rates are subject to change. Cost of implant procedures vary from $1,500 to $5,000, depending on tooth and procedure.

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Care for Your Whole Health

Book a visit with LUMA Biological Dentistry today.

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Helpful Answers

Frequently Asked Questions

Find answers to common questions about insurance, financing, and payment options at Luma Biological Dentistry.

Yes. We accept most major dental insurance plans and will submit claims on your behalf. Contact our office to verify your specific plan before your visit.

We partner with CareCredit, Cherry, LendingClub, Sunbit, Proceed Finance, and Alphaeon Credit to offer flexible monthly payment plans with terms from 6 to 60 months.

Yes. Most of our financing partners allow you to pre-qualify online with a soft credit check that does not affect your score. Links are available on this page.

Several of our financing partners offer promotional periods with zero interest when the balance is paid in full within 6, 12, 18, or 24 months. Terms vary by provider.

We welcome uninsured patients. We accept all major credit cards, cash, and checks, and our financing partners can help you break larger treatments into affordable monthly payments.

For certain procedures, a deposit may be required to reserve your appointment time. Our team will review any financial details with you in advance so there are no surprises.

Yes. Many patients use their insurance benefits to cover a portion of treatment and finance the remaining balance through one of our partner programs.

Our team can help you apply for financing during your visit, or you can apply online ahead of time through any of the partner links on this page. Approval typically takes just a few minutes.

Yes. Financing is available for all treatments including veneers, whitening, clear aligners, and smile makeovers. Cosmetic procedures often qualify for the same promotional terms as restorative care.

We accept cash, personal checks, Visa, Mastercard, American Express, Discover, and all major financing plans. HSA and FSA cards are also welcome.