Financing Options

We accept a number of different payment methods as well as offer flexible payment plans.

Payment Options

For your convenience, we accept cash, personal checks, and major credit cards. Payment is expected at the time services are performed. When more extensive dental care is necessary, financial arrangements can be made with our office.


As a service to our patients, our practice accepts most dental insurance programs, including non-managed care, indemnity (traditional) and PPO out-of-network. Our accounting staff will prepare all the necessary forms for your dental benefits. However, your specific policy is an agreement between you and your insurance company. 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.

Insurance Companies We Work With

insurance companies

Smile Savers Discount Plan

Three Rivers Family Dentistry offers an affordable, in-house plan so our patients may obtain quality dental care at an affordable price! The program is good for 365 days from date of purchase and includes these amazing services within that one year period:

  • Two (2) routine cleanings
  • Two (2) exams by Dr. Connolly
  • One (1) set of diagnostic x-rays
  • One (1) panoramic x-ray (provided at three (3) year intervals)
  • One (1) emergency exam
  • Oral cancer screening
  • 25% on all other services we offer including restorative and cosmetic treatments.

By selecting this plan, you will enjoy:

  • Immediate Benefits
  • No Deductible
  • No Annual Maximum
  • No Insurance Forms
  • No Exclusive for Pre-existing Conditions
  • No Age Limit

The once per year fee to join is $349 for ages 13 & up or $249 for ages 12 & under. The total cost for all services included is typically more than $600 per year. You may use your HSA/FSA account to pay for the plan and other services. Patients enjoy immediate benefits, no deductible, no annual maximum, no insurance forms, no exclusions for pre-existing conditions, and no age limits when they select this plan. Give us a call to find out more!

**The Smile Savers Plan is not dental insurance and cannot be combined with any other dental insurance plans. If a patient begins coverage under a traditional dental insurance plan, he or she is no longer eligible to participate and is not eligible for a refund of annual fees. This plan is only valid at Three Rivers Family Dentistry and may not be combined with other discounts. Services referred to a specialist (i.e. endodontics, oral surgeon, etc.) cannot be paid for with this plan and excludes services that cannot be performed because of the patient’s physical or mental health. The paid plan fee is non-refundable and non-transferable. Benefits must be completed during the year of enrollment, cannot be carried over and renewal fee is subject to change. Exclusions apply.

Please click the link below if you would like to apply for a 12 month, no interest payment plan. Please read their specific rules and details for more information.

Call us to see if your insurance provider is accepted by our practice, and to learn about your specific plan and benefits.
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. Please note, we are not in network with any TennCare dental plan.