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Northland Dental

Financial Info

Everyone today is concerned about their budget and where their hard-earned dollars go. At Northland Dental, we understand and respect that everyone has a unique financial situation. We will do everything we can to make quality dentistry a reality for you, regardless of your budget.

We have a dedicated finance manager on our team whose role is to ensure that you receive all the benefits you're entitled to under your dental insurance plan. If you are uninsured, we are pleased to offer CareCredit financing that makes it possible for you to receive quality dentistry the same day you're approved, with no waiting period. 

If you have questions about your dental insurance or would like to apply for CareCredit, please call the office at (218) 236-7076, and she will be happy to assist you. 


At Northland Dental, we are in-network with Aetna, Cigna, Delta Dental, and United Concordia. If you are out-of-network, we will be happy to file your PPO insurance claim on your behalf. 

Many people are not aware that they can still receive benefits even if they are not in our network. Many patients at Northland Dental discover that, while out-of-pocket expenses may be higher, the high-quality dentistry they receive is worth the slight difference in cost.

If you have questions about dental insurance, please call our finance manager Brittany, who will be happy to answer your questions. 

Payment Options

At Northland Dental, we accept cash, personal checks, and credit cards including Visa, MasterCard, American Express, and Discover. 

CareCredit financing is another option for getting quality dental care when you need it and offers no-interest and low-interest promotional programs that allow you to pay off your balance over several months. 

Northland Dental Advantage Plan

Northland Dental Advantage plan is an in-house, fee-for-service plan designed to provide you with affordable quality dental care. Our plan offers:

  • NO deductibles
  • NO annual maximums
  • NO pre-authorizations
  • NO exclusions for pre-existing conditions
  • NO waiting periods
  • All health conditions accepted
  • Immediate eligibility
  • 15% discount on ALL general and cosmetic services

How Do I Enroll?

It's simple! Just follow these easy steps:

1. Call our office to request an application form, or download and complete the application at

2. Include credit card information for annual membership

3. Mail the application to us along with your payment, or drop it off at our office

Enroll today! Your membership will be activated within 24 business hours.


Frequently Asked Questions

At Northland Dental, we are in-network with Aetna, Cigna, Delta Dental, and United Concordia and are happy to file PPO insurance claims on your behalf, even if you’re out-of-network. Brittany is our finance manager, and her job is to make the entire insurance process easier for you.

If you are out of our network, you can still receive benefits when you see Dr. Atchison but without the in-network discounted rate. Patients at our Moorhead dental office discover that, while out-of-pocket expenses may be higher, the quality of the dentistry they receive more than makes up for the slight cost difference.

Dental Treatment Plans to Fit Your Budget

Of course, we understand that dental care is an investment, even with insurance. We are committed to helping you maintain excellent oral health regardless of whether or not you are insured. If you are on a tight budget, we will adapt your treatment to fit your needs by planning it in stages over a longer period of time.

CareCredit Financing for Dental Costs

If you are uninsured or want to finance your out-of-pocket costs, we also offer CareCredit. With CareCredit, you are covered as soon as you receive approval, which can take just a few minutes. You will be eligible for treatment that day, and you can pay off the balance over several months.

We also accept debit cards and major credit cards, including Visa, MasterCard, and Discover.

Call Us with Your Dental Insurance Questions

Our goal at Northland Dental is to make it as convenient as possible for you to receive quality dentistry, so don’t hesitate to call our Moorhead, MN dental office if you have insurance or financing questions.

If you have difficulty using our website, please email us or call us at (218) 236-7076
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