Treatment Options and Fair Pricing

When you have health concerns, functional needs, or cosmetic goals, our team will talk to you about different options for addressing them. We will help you understand the benefits and drawbacks of each option. For example, some options can save you money in the short-term, but might not give long-lasting results.

The only limitation we have when it comes to treatment options is that we will never offer an option that we feel is more harmful than helpful. It might be because it offers poor-quality aesthetics, low functionality, or doesn’t last. Other times, we might not offer options because we believe that they are harmful to your oral and overall health. If you are considering an option that we don’t offer, ask us. We’ll explain why we don’t offer that option.

When it comes to pricing our services, we work hard to offer a competitive price. This factors in both the cost of the quality materials we use and the singular expertise of our dentists and staff. These contribute to the outstanding results we deliver. Even if we might not be the cheapest Houston dental office, we believe our services offer the best value in the area.

It’s always smart to get a second opinion when considering a significant medical procedure, but it’s also important to make sure that you’re doing an accurate comparison between procedures, rather than simply looking at the bottom line. If you get a quote on your procedure that’s significantly different from ours, we encourage you to show it to us. We’ll help you understand the difference so you can make a more informed decision.

Dental Insurance

At Stephens & Gatewood Dentistry, we know that many people in the Houston area, rely on dental insurance to help pay for their care. We accept plans from more than a dozen popular insurance companies.

We also know that it can sometimes be hard to understand the terms of your dental insurance. We are happy to help you interpret your dental insurance policy to get a good idea of what might or might not be covered. Just bring it in, and we’ll look at it together. We can help you file your claim to try to maximize your coverage.

However, with insurance it’s important to understand that the profits of insurers depend on denying and minimizing claims. The terms of your insurance might also change with little or no notice. Although we will help you file an insurance claim, you will be responsible for the cost of your care, even if insurance coverage is less than you expected.

Payment Options and Financing

We accept most major credit cards for payment. In addition, we can help you secure independent financing to help you fit the dental care you need or want into your budget.

We work with CareCredit, Wells Fargo, and Sunbit to help you get good terms when financing your dental procedure.


Carecredit is like an additional line of credit (a credit card) specifically for medical procedures, including dental procedures and veterinary procedures. However, as they’re quick to point out, it is different from a regular credit card.

With CareCredit, you can choose between no-interest financing for up to 24 months, or a 60-month payment plan with low monthly payments and a low interest rate.

Wells Fargo

Wells Fargo has two different financing options for your dental procedures. The company offers a Health Advantage credit card, which offers similar benefits to CareCredit. Another option is to apply for a personal loan, which may offer even more attractive interest rates and payment options.


Sunbit is a financing option that is designed specifically for dental work. They offer customized payment plans that help you fit your dental work into your budget. You can apply at our office, and the process takes just 10 minutes. Sunbit advertises a 99% approval rate. It offers payment plans as low as $40 per month and payment terms as long as 60 months (72 months for more than $15,000).

Get the Dental Care You Need in Houston, TX

We believe that budget should never keep you from achieving the healthy, beautiful, functional smile you desire. At Stephens & Gatewood, we work hard to make dental care affordable.

To learn how we can help you fit dental care into your budget, please call (281) 320-2000 or use our online form to request an appointment at either of our offices serving the Houston area from Spring, TX.