Financial Options

At Joiner and Zwart Dentistry, our goal is to provide the best possible dentistry while keeping it affordable. We keep our fees as low as possible to provide the level of service you expect and deserve. Even with competitive fees, we understand the need to provide several financial options available for our patients.


Our full financial policy can be viewed by clicking HERE

Below are our financial options available to make dentisty as affordable as possible.

Insurance Submission – As a courtesy to our patients, we process insurance claims and make every attempt to ensure you receive the full benefit available for the services you receive. In doing so, we only collect the estimated co-pay at the time of service and submit the claim for you.

  • Our patients have over 50 different insurance plans that we submit to. Even if we are not listed as a 'preferred provider' for your insurance company, we typically can still be your dentist and file claims on your behalf.  We are Delta Dental Preferred providers.


  • We accept Medicaid but due to governmental cuts over the years, reimbursement rates don’t cover the cost to run our business, therefore we limit the number of cases we are able to accept to children in the geographical area, patients with a connection to the practice and to those with special circumstances.  If you have any questions, please call and we will gladly discuss with you.


Cash Payment - With payment in full on the day of service, we offer a 5% cash courtesy using the following methods:

  • Cash

  • Check


Credit Cards - We accept MasterCard, Visa and Discover


Online Payments - Click HERE to create an account and pay online.





                                   USE CODE: JQ5ZZ9 to link to our office.


Third Party Financing - We do have a partnership with an outside financing company called Care Credit. We offer no interest payment plans (our office pays the interest for you) up to 12 months and low interest options up to 60 months. Please be aware that if payments are not made as scheduled, you will be charged interest as set forth in the application.










In-Office Savings Plan - For those who don’t have the option of credit cards or qualify for Care Credit, we do offer an “In Office Health Care Savings Plan”. We will take pre-payments for treatment needed. When the amount equals the treatment needed, we will schedule the appointment. This will protect your treatment plan from the rising costs of materials and inflation. With three consecutive monthly payments, we can be used as a credit reference.


Orthodontic Payment Options – We have several payment options for orthodontic treatment, each case is unique in complexity and time required, therefore exact details can only be discussed once a full diagnosis is completed.

We will gladly answer any questions you may have. We are here to serve you! (712) 737-3521


Please call if you have any questions. Click HERE to be taken to the application form. Be sure to read the details of the financing plan, pay on schedule, and ask any questions you may have.

Joiner and Zwart Dentistry
Days:                     Hours:
Monday                    7:30-
Tuesday                   7:30-5:00
Wednesday             7:30-5
Thursday                  7:30-5
Selected Fridays     8:00-1:00
708 Lincoln Ave SE
Orange City, IA 51041
(712) 737-3521
© 2018 Joiner and Zwart Dentistry