Dental Financing & Payment Plans in Silver Spring, MD

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Cash, Personal Check or Credit Card

Payment is expected at time of service. If you have insurance, you will be expected to make an estimated payment for that portion not covered by your insurance plan. For that portion of costs not covered by insurance, we offer these payment options:

  • We accept MasterCard, Visa, Discover and American Express.


Dental insurance is intended to cover some, but not all of the cost of your dental care. Most plans include coinsurance provisions, a deductible, and certain other expenses which must be paid by the patient at the time of services. Reimbursement amounts are not, and never have been, a guideline for quality care.

We can file some insurance claims for you. Please bring your insurance plan information with you on your first visit. We will work with you to ensure that you receive the maximum benefits to which you are entitled.

3rd Party Financing

Financing is also available to patients through Lending Club and Care Credit, please contact them directly for their lending terms and to apply. If you have any questions about your insurance plan or payment options, please call out staff at (301) 585-1515 or email us at






Flexible Spending Account

Your Flexible Spending Account (FSA) provides you with a way to use tax-free dollars to pay for dental expenses not covered by your insurance plan.  Under the IRS's Use or Lose provision, you must incur these expenses by December 31, 2016 or you *forfeit your balance.  You know the scenario, we get so busy and before we know it, it's the end of the year.  We forgot about our FSA, we never got to the dentist for that service or treatment we needed, our FSA remains unused and all that hard earned money goes to waste! Don't do that to yourself or your family. Make an appointment for dental care now and use up your FSA. 

Whats Covered?

You can use your FSA to pay for expenses not covered by your insurance plan, including co-pays, deductibles, prescriptions and other dental services and products. You can include expenses for the prevention and alleviation of dental disease. Preventive treatment includes the services of a dentist or a dental hygienist for procedures such as teeth cleaning, the application of sealants, and fluoride treatments.  Alleviation of dental disease includes services of a dentist for procedures such as X-rays, fillings, braces, extractions, dentures, and other dental ailments.  Whitening cannot be included.

Who else can use my FSA?

Apart from yourself, you can also include dental expenses for your spouse or your dependents.  For you to include such expenses the individual must have been your spouse or dependent at the time dental services were provided or at the time you paid for their expenses.

U$E IT or LO$E IT!

Avoid the year-end rush and use your FSA. Make an appointment to see Dr. Kingsley Achikeh, DDS,  Dr. Francoise Engel, DDS or Miriam Johnson, RDH now.  We really look forward to taking care of your teeth and putting a healthy and beautiful smile on your face.  Call the office on (301) 585 1515.

*Under a special rule, employers may, if they choose, offer employees more time through either the carryover option or the grace period option. Speak with your employer.

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