825 S Waukegan Rd, Lake Forest, IL 60045

Payments and Insurance

Lake Forest, Lake Bluff, and Lincolnshire

At Lake Forest Smiles, our philosophy is that treatment cost should not prevent patients from receiving necessary dental care. However, according to polls conducted by the American Dental Association, adults often avoid the dentist due to financial constraints. Lake Forest Smiles does not want this to happen to you. Read more about our payment options and policies, including discounts and special financing.
payments and insurance

Our Payment Policy

Lake Forest Smiles accepts dental insurance and offers a variety of other payment options. We always discuss the treatment plan with you before beginning any procedures. This way, you have as much information as possible to make the best decision when considering both your budget and your oral health needs.

Lake Forest Smiles accepts the following forms of payment:

  • Cash
  • Personal checks
  • Debit cards
  • MasterCard
  • Visa
  • American Express
  • Discover
  • CareCredit
  • LendingClub
  • In-house financing

Dental Insurance

Lake Forest Smiles accepts dental insurance plans, even for out-of-network coverage. If you have dental insurance, check with your provider to verify your benefits. However, as a courtesy, we file claims on your behalf. Please remember that we work with you to maximize your dental insurance benefits. But patients are responsible for all charges incurred—including any balance that is not covered through your dental plan.

For new patients, please bring your insurance card and completed patient forms to your first visit. Our new patient forms are conveniently located online.


CareCredit and LendingClub are third-party financing companies that help patients pay for health and wellness expenses. They cover the entire cost of a procedure at the time of your treatment, and you then make monthly installments. This service allows patients to receive all the care they need at once and then spread out the cost by making small monthly payments. Contact Lake Forest Smiles to learn more about our special financing offers, or to see if you qualify.

Affordable Dentistry in Lake Forest

We understand that many people avoid dental care because of the cost. However, quality dental care is an investment in your long-term health. Managing any oral health problems helps maintain a higher level of overall wellness. Professional dental care also helps keep your teeth looking great. Even paying out of pocket for preventive care can be worth it over the long run, saving you money and helping you avoid potentially invasive procedures to correct problems.

At Lake Forest Smiles, we accommodate the unique financial needs of each patient. If you need to discuss payment arrangements or have questions about your account, please contact our office by calling (847) 234-4800. Drs. Campbell and Schmidt have been providing elite dental care to the communities of Lake Forest, Lake Bluff, and Lincolnshire for more than 30 years. We welcome you to our practice.

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