119 East Main Street Gouverneur, New York 13642

Gouverneur, NY Dentist Payment & Dental Insurance

Dr. Nicholas Gardner offers personalized, comprehensive dental care in Gouverneur, NY and accepts a range of convenient payment options:

  • Cash, check and all major credit cards
  • Phased treatment plans
  • Health Savings Account of Flex Spending Account
  • Complimentary filing of dental insurance benefits

Dental Insurance

In order to provide you with the best dentistry, we will keep your interests in mind, not your dental insurance provider’s. We will however help you take advantage of your dental insurance benefits as an out of network provider.

Dr. Gardner accepts nearly all major dental insurance plans and will electronically submit treatment claims to your insurance company on your behalf. We will work with our patients to ensure they understand the cost of their treatment and what their dental benefits may cover. Your insurance company will send reimbursement directly to you. Most patients receive reimbursement within 3 weeks of their claim submission.

Financing Options

Many cosmetic dental treatments are not covered by insurance. If you are interested, please ask us about financing options. Dr. Gardner participates with Care Credit, one of the nation’s largest lenders for cosmetic dental procedures. Care Credit offers several options including no-interest and low-interest financing for up to 3 years for qualified patients. Click here to complete an online application today.


Offering an easier application process with no credit score impact on the initial application preview

 click here to apply


Nicholas F. Gardner, DDSGouverneur, NY Dentist119 East Main Street Gouverneur, New York 13642


New Patients (315) 203-1772

Current Patients (315) 287-7900


Monday: 7:00am - 3:00pm
Tuesday : 7:00am - 3:00pm
Wednesday: 7:00am - 3:00pm
Thursday: 7:00am - 3:00pm
Friday: 7:00am - 3:00pm

Schedule Appointment