Payment for services rendered is expected at the time of service unless prior arrangements have been made in a written agreement with the office staff of Meadowlark Dental Care. Pre-payment for services is accepted and credit will be kept on your account until used, or a refund check is issued at your request. Payment options are as follows:

Dental Insurance

Coinsurance is due after payment is received from your insurance. While Meadowlark Dental Care is happy to help bill your dental insurance, Meadowlark Dental Care is not responsible for non-payment or partial payments from your insurance company. Meadowlark Dental Care cannot guarantee payment in any part by your insurance as the planned document available only to you, as the client, dictates benefits and payments from your insurance. The remaining balance after your insurance has paid in-full, in-part, or issued a non-payment is patient responsibility and will be expected after receipt of an explanation of benefits from your insurance company. If remaining balance cannot be paid in full after the explanation of benefits is received, your balance may be broken up into six monthly payments. Finance charges will accrue starting 60 days after your initial appointment and are based on 10% APR with a minimum charge of $1.00.

Cash or Check Payment

Meadowlark Dental Care accepts cash or check payments for the balance due of accounts receivable. For patients without dental insurance, if procedures are paid for in full at the time of service with cash or a check, a 5% discount will apply to the services rendered that day. Personal checks are accepted.

Credit or Debit Card Payment

Meadowlark Dental Care accepts Visa, MasterCard, and Discover credit or debit card payments for the balance due of accounts receivable. Please note that the 5% discount for payment in full is not given to card payments due to additional processing fees.


Dental expenses can be unexpected and we are happy to help those who have not planned for those additional costs to find appropriate financing. Currently, there are three options we recommend and accept for financing your dental work:

  1. Swift Note Financing: Missoula Federal Credit Union acts as a third-party lender to you, the patient. Submit your application online at Once the application is approved, funds are directly sent to our office. Payment arrangements are made between you, the borrower, and Missoula Federal Credit Union. For more information visit or call (800)254-1803. All loans are subject to approval. Borrowers must be eligible for Missoula Federal Credit Union membership.
  2. Care Credit: Care Credit is a healthcare credit card. If paid off within 6 months, no interest is charged to you as the consumer. APR may vary based on loan amount and term of the loan. To apply for Care Credit stop by our office to pick up a paper application or visit online. For additional questions or information call (866)893-7864 or go to
  3. In-House Financing: Meadowlark Dental Care is willing to work with those patients who have established credit in our office in setting up a six month payment plan for balances up to $1200.00. A Finance Charge will be assessed on balances left unpaid over 60 days from the date of service. Finance charges are based on an APR of 10%; the minimum finance charge on accounts older than 60 days is $1.00. Payment plans must be agreed upon before time of service between the patient and staff of Meadowlark Dental Care. Payment plan agreements will be documented in writing. Failure to adhere to the payment plan will result in a verbal warning, and in extreme cases accounts may be turned over to a collection agency.

Questions or concerns about your account or payment options should be directed to the office staff of Meadowlark Dental Care. You may call, write, or simply come in and discuss any and all matters with our receptionist. We are happy to serve you!

Call: (406)543-0300
Mail: Meadowlark Dental Care
628 South Avenue West
Missoula, MT 59801