Steven St. Germain, DDS
Creating Healthy & Beautiful
Merrimac Smiles!

Insurance & Finance Options

Dental Insurance is intended to cover some, but not all of the cost of your Dental care. Most plans include co-payment, and a deductible which must be paid by the patient at the time of service. Insurance coverage is not, and never has been a guideline for quality care.

We do expect your co-payment in full at the time of service, and will be happy to file your insurance claims for you. Please bring your insurance card with you on your first visit. It is also important to contact your Employers Benefit Coordinator to familiarize yourself with your allowed plan benefits. We will work with you to ensure that you receive the maximum benefits to which you are entitled.


Your patient portion can be paid by any of these payment methods:


·        Cash or Personal Check

·        Credit Card- We accept MasterCard, Visa, American Express and Discover card

·        CareCredit Medical and Dental Card 



Financial Policy.pdf 



CareCredit for your Dental Procedures


We're pleased to offer our patients the CareCredit® card, North America's leading patient payment program. CareCredit lets you begin your treatment immediately — then pay for it over time with low monthly payments that fit easily into your monthly budget. Now you don't have to save up for years to finally get the smile you've always wanted.

Your healthcare credit card

CareCredit is the credit card exclusively for healthcare services. CareCredit offers low monthly payment plans for healthcare procedures not commonly covered by insurance, including dental treatments. Plus, you can use your CareCredit card over and over for follow-up appointments.

Learn more by visiting or contacting our office. Ready to apply?
Apply Online for your CareCredit card today.












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