Select Page Menu

Financial Options

Smile Now, Pay Later

Some people think that beautiful, long-term dentistry is only for the well-to-do people of the world. The truth is, most of Dr. Yolanda Cruz patients are just like you. They work for a living or are retired, they have a monthly budget to meet, and they want the best for themselves when it comes to dental healthcare. Dr. Yolanda Cruz and our team have made a commitment to make dentistry affordable for all of our patients. We proudly offer low interest financing to allow our patients to comfortably fit their investment into their monthly budgets while still receiving proper and timely care! It’s easier and more affordable than you think!

If you would like to schedule a FREE consultation, please call us today at 416-595-5490 (Downtown Toronto Location) or fill out our quick contact form and one of our experienced team members will contact you shortly!

Dr. Yolanda Cruz Financial Guidelines

Thank you for choosing Dr. Yolanda Cruz for your dental needs. We understand that everyone’s financial situation is different. For this reason, we have worked hard to provide you with a variety of payment options to help you receive the dental care you need and deserve, with respect to your budget. We are always available to address any questions or concerns you may have. Please choose one of the following offers:

  1. Pay As You Go
    Our “Pay as you go” option allows you to be in control of your insurance benefits, by paying fully at each appointment for treatment and by being reimbursed directly by your insurance company. This will enable you to keep personal records of all insurance reimbursements, all dental transactions, to track maximum allowable benefits and be more aware of what your plan covers and what it does not cover. You will never have to worry about having outstanding account balances with us. We will make sure your insurance claims will still be filed, and that payment will go directly to you.When insurance companies reimburse patients, payment usually takes about one to two weeks to be received, especially if the patient’s plan accepts electronic dental claims. If required, at each appointment we will send electronic claims for you.
  2. Assignment of Benefits
    Our “Assignment of Benefits” option offers you the convenience of using your dental benefits as a form of direct payment by assigning payment from your dental insurance company directly to us. Please be reminded that your dental insurance is an agreement between your insurance company and you. This means you are responsible for any service fees or balances that may not be covered by your dental benefits plan. Choosing Dr. Yolanda Cruz to submit electronic claims on your behalf requires you to leave a valid credit card number on file (Visa or Mastercard) as a precondition. Balances not covered by your dental insurance will be charged directly to your credit card on the day of the treatment, or by the day the cheque is posted to your account. If you decline leaving your credit card on file, you miss the courtesy of Dr. Yolanda Cruz accepting direct payments from your insurance company on your behalf and you will be responsible for the payment in full at the end of each appointment. Please fill out and complete the credit card authorization form below. It will be kept strictly confidential and will be used only under the agreed terms.
  3. Low Interest Financing
    Our “Low Interest Financing” option offers you an arrangement with our financial partner (Credit Medical Corporation). Upon approval, you can receive a low-interest term loan (from 6 months to 4 years) with low monthly payments, a fixed interest rate, and no down payment or collateral. Please inform us if you require an application.
  4. Quick Check-Out
    Or “Express Checkout” option allows you the convenience of coming in for treatment without having to check out after the completion of your appointment. We will still submit claims to your insurance company and your insurance company will directly reimburse you.All there is to do is fill out our credit card authorization form below. It will be kept confidential and used strictly under the agreed terms. We will bill your credit card after each appointment and a receipt of this transaction will be mailed to you.
  5. 5% Reduction for Prepayment in Full 
    In order to fit expenses into their monthly budgets, some patients prefer to have their treatment completed in “phases,” or stages. By “phasing” their treatments, patients will not need to make compromises with regard to the quality of the care they receive. Planning and treatments will work according to your schedule – when you can pay and according to your budget.BROKEN APPOINTMENTS: A specific frame of time is reserved especially for you and we strongly encourage patients to keep their appointments. If you have to change your appointment, we require at least 48 hours notice to avoid charging you with the $100.00/hour cancellation fee.


Click Here To Print Financial Guidelines
Dr. Yolanda Cruz Financial Guidelines