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Insurance, Payments & Financing

Dental Insurance - Payment Methods - Financing - James E. Cherry, DMD 


As a service to our patients, our practice accepts most dental insurance programs. Our staff will prepare all the necessary forms for your dental benefits. However, we remind you that your specific policy is an agreement between you and your insurance company. Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. Our staff will gladly submit a pre-treatment estimate to your insurance company so that you will know what your benefits will be.

The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.

Dr. James Cherry participates with the following dental PPO plans:

  • Aetna (Assurant)
  • Ameritas
  • Assurant
  • BCBS – Florida Combined Life/Choice Plus
  • Cigna
  • Connnection/GEHA
  • Coventry
  • Delta Dental
  • Dentegra
  • Dentemax
  • Guardian
  • Humana
  • Lincoln
  • Metlife
  • MMSI
  • Premier Dental
  • Principal
  • United Dental (UHC)
  • United Concordia

We will be happy to assist you in filing to non-participating insurance plans for reimbursement directly to you; however you will be required to pay the full balance at the time of service.


Payment Methods and Financing

We accept the following forms of payment:

Cash, Check, Visa, MasterCard, Discover, Amex, and CareCredit

Treatment plans greater than $2500.00 may require a 50% deposit prior to scheduling a surgery date.  This deposit will be required two weeks prior to the procedure to allow sufficient time for supplies to be ordered and received.

Care Credit

We’re pleased to offer our patients CareCredit, North America’s leader in patient payment plans.  CareCredit lets you begin your treatment immediately – then pay for it over time with low monthly payments that fit easily into your monthly budget. 

Like a credit card, but better

CareCredit works like a credit card, but is exclusive for healthcare services.  With no up-front costs, no pre-payment penalties, and no annual fees, CareCredit lets you pay over time and frees up cash and credit cards for the other things you want or need.  CareCredit offers low monthly payment plans for healthcare procedures not commonly covered by insurance, including dental treatment.  Plus, you can use your card again and again to pay for additional treatment for yourself or family members in any CareCredit practice.

  • Low minimum monthly payments
  • No-interest financing if paid within 6 months (Additional plans may be available)
  • No up-front costs, pre-payment penalties or annual fees

Learn more by visiting CareCredit.com or contacting our office. It only takes a few minutes to apply for CareCredit and you may receive an online decision in seconds! For more information or to apply now, just click on the link below. 

4100 Southpoint Dr E    |   Suite 5   |   Jacksonville, FL 32216   |   Phone: (904) 281-2225