Payment Options

Dr. Kavanagh is dedicated to providing you with the highest quality dental care that is convenient, easy and affordable. We do this by discussing your treatment fees and each of your available options. We accept Visa, Mastercard, Discover and American Express. Our finance specialist will assist you in filing your insurance paperwork. In addition, we also offer easy, affordable financing.

Come in to make an appointment today

Insurance help is available

Our friendly and efficient staff will assist you with your insurance information and help you maximize your benefits. We accept payment from all insurance companies. We are currently contracted with:

  • Delta / WDS
  • Regence


We provide you with convenient financing options to get you the treatment you need.



CareCredit covers your deductibles, co-payments and any fees that are not listed under your current insurance plan. You can have the convenience of 0% interest on financing for up to 12 months or low interest financing from 24 to 60 months!

The Lending Club Patient Solutions

Lending Club

Our practice is pleased to present flexible payment plans through Lending Club Patient Solutions.

Lending Club Patient Solutions offers:

  • Plans with low fixed rates & low monthly payments that never change over the life of the loan
  • Patient-friendly, True No-Interest Plans with no retroactive interest
  • No upfront payments
  • No prepayment penalty
  • It’s easy to calculate your potential monthly payments. Simply complete a short application which displays fixed rates and monthly
  • Payments available for Extended Plans, all without impacting your credit score

Membership Program

Wish that you had dental Insurance? Or are you waiting until you get dental insurance? Wish no more, Bellingham Smiles Dentistry is now offering an alternative to Dental Insurance!

Bellingham Smiles “Dental Health Care Club” is for you and your whole family! It is our own private in-office membership for our New and Existing patients.

How does the membership work?

For a flat annual fee members will receive:

  • Two Dental Cleanings
  • Oral Cancer Screening
  • Intra-oral Camera Exam
  • Oral Exam
  • Digital X-Rays
  • Emergency Exams & X-Rays
  • 15% off of all Dental Work
  • $50.00 towards any Dental Treatment
  • No Yearly Maximum
  • No Pre-Existing Exclusions