Financing Options & Dental Insurance

financing options

We welcome a variety of payment options including cash, check, MasterCard, Visa, American Express and Discover.

We believe that financial considerations should not be an obstacle in obtaining proper dental and oral health care. To assist our patients with their financial needs, our office offers a variety of payment options including Wells Fargo Health Advantage credit card and CareCredit®.  Our team will be happy to review these choices with you when you are scheduling your recommended treatment plan.

The Wells Fargo Health Advantage credit card

You can enjoy budget flexibility for healthcare expenses by using the Wells Fargo Health Advantage credit card* at our office and others that accept the card. The combination of special terms promotions and a competitive rate of 12.99% makes this card an attractive alternative to other potentially higher-cost financing options.

Feel free to ask us what financing promotions may be available to you. These promotions may allow you to spread the cost of your treatment over time. And remember, because the Wells Fargo Health Advantage credit card is a revolving line of credit, you can use it over and over again as you need it at dental, veterinary, vision, or audiology offices that accept the card.

Benefits include:

  • Special financing plans allowing you to pay over time
  • Easy-to-understand monthly statements
  • Online account management and payment options
  • Revolving line of credit that you can use over and over again
  • Competitive Annual Percentage Rate (APR)

  For budget-friendly healthcare financing options, use the Wells Fargo Health Advantage credit card*.


We are also pleased to offer CareCredit, the nation’s leading patient payment program. CareCredit offers special financing and low monthly payment options, no up-front costs, and no-prepayment penalties. For fees from $300 to $25,000, upon request and approval, CareCredit offers a comprehensive range of plans with low minimum monthly payments that fit comfortably into every budget.

With CareCredit, you can:

  • Start treatment and care immediately and pay over time
  • Pay for other medical expenses for you and your family without having to reapply
  • Pay for deductibles and treatment not covered by insurance
  • Have no annual fees

To apply, go to You will receive a decision immediately. We can assist you in applying for these programs. For more information, please contact our office at (763) 552-1616.

Dental Insurance

For patients with dental insurance, we are glad to be able to help you to maximize your policy benefits. We’d be happy to estimate your coverage prior to your appointment. Please call (763) 552-1616 with any questions.

Our practice accepts a variety of insurance plans including most Delta Dental plans. We encourage our patients to be knowledgeable regarding their plans and to know and understand their individual dental insurance coverage and patient responsibility. We are proud of our team’s ability to assist patients with questions and issues concerning their individual dental insurance plans.

Dental insurance is a contract between your employer and the insurance company. The benefits you receive depend on the policy your employer has negotiated and are not necessarily based on assuring that you achieve a high quality result. We realize this can be confusing and complex. Our insurance coordinator is available to review your policy and provide a complimentary benefit analysis, as well as assist you in filing claims to help you to maximize the reimbursement to which you are entitled. We will process all insurance company forms. The amount of compensation you receive will be dependent upon your coverage plan and specifics.

Cosmetic procedures are generally not covered by most dental insurance policies; however, partial benefits may be available if teeth are broken or have previous dental fillings, bonding or crowns. If you have questions about insurance, please call your insurance company directly for information regarding your individual plan.

No Insurance? No Problem

Ask about Melissa Hutchens DDS’s exclusive in-office dental savings program. Now you have access to savings on personalized, yet affordable dental care without the hassles of traditional insurance. 

No Insurance? No Problem provides: 

  • 2 Exams and cleanings
  • Fluoride when recommended
  • All necessary X-ray's
  • 10% savings on dental treatment, restorative, cosmetic care and whitening
  • Additional savings for seniors and cash paying patients.  

The package is good for 1-year from date of purchase.  Renewals and additional family members receive additional savings. 

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Melissa Hutchens DDS


8:00 am-4:30 pm


8:00 am-4:30 pm


8:00 am-4:30 pm


8:00 am-4:30 pm


8:00 am-4:30 pm