Billing, Insurance & Financing

Pay Your Bill or Navigate Payment Options

We are committed to helping you navigate your benefits and find flexible payment solutions for your surgical care.

Pay Your Bill

Apply with Cherry

Apply with Care Credit

Insurance Participation

We accept most major insurance plans. Because every plan is unique, we recommend calling our office at 605-331-5059 to verify your specific coverage.

In-Network Providers:

    Dental:

    Delta Dental, MetLife, Aetna, Cigna PPO, Ameritas Plus, and ADDP through United Concordia.

    Medical:

    Sanford Health Plans, Health Partners, Blue Cross Blue Shield, and Avera Health Plans.

    Important Coverage Notes: Please note that we are currently opted-out of Medicare, Medicare Supplements, and Tricare Medical. We only accept South Dakota Medicaid following program approval.

    Financial Policy

    Your insurance plan is a contract between you, your employer, and the provider. While we assist with benefit coordination, ultimate financial responsibility rests with the patient.

    • Down Payments: Any down payment made is an estimate only. You are responsible for all fees regardless of insurance coverage.
    • Payment Methods: We accept cash, checks, credit/debit cards, and Health Savings (HSA) cards.
    • Payment Timing: For patients without dental insurance, payment is required in full on the day of service.
      Outstanding Balances: Unpaid balances after the first billing cycle are subject to a 1.5% monthly interest charge.

    Patient Financing Options

    To ensure high-quality surgical care is accessible, we partner with reputable third-party lenders to offer flexible monthly payment plans.


    Cherry Payment Plans Get the treatment you need now and pay over time. Cherry is a patient-focused financing tool that allows you to break your balance into manageable monthly payments.

    • Fast Approval: Quick application with no hard credit check.
    • Flexible Limits: Qualify for up to $10,000 (subject to approval).
    • 0% Options: Ask about our available 0% APR financing options for qualifying patients.
    • Requirements: Must be 18+ with a valid bank-issued debit card.
    CareCredit® We also accept CareCredit, a leading healthcare credit card. Depending on your balance, you may qualify for interest-free financing over 6, 12, or 18 months. This allows you to pay for your procedure in a way that fits your monthly budget.

    Discuss Your Payment Options with Our Team

    Navigating the costs of surgical care can be overwhelming, but you don’t have to do it alone. At River Ridge Oral & Maxillofacial Surgical Center, our dedicated business office is available to answer your questions, verify your insurance benefits, and walk you through our flexible financing options with Cherry and CareCredit.