Insurance and Financing at Center for Oral Health
At Center for Oral Health, we believe that high quality dental care should be accessible and affordable for every patient. We work with most major dental insurance plans, accept a wide range of payment methods, and offer flexible financing options so you can focus on your smile rather than the paperwork.
Dental Insurance We Accept
We accept and process most PPO dental insurance plans. Our front desk team will verify your benefits before your visit, file claims on your behalf, and explain your estimated out of pocket cost in clear language before any treatment begins.
Major insurance providers we work with include:
- Delta Dental
- Aetna
- Cigna
- MetLife
- United Healthcare
- Anthem Blue Cross Blue Shield
- Guardian
- Humana
- Principal
- Ameritas
Do not see your insurance listed? Please call our office at (858) 487-7766. We accept many additional plans on a non network basis and can often still maximize your benefits.
What If I Do Not Have Insurance
If you are uninsured, you are still very welcome at our practice. We offer transparent self pay pricing and several alternatives that can make care more affordable than you might expect. Please ask about our in house membership savings plan, which gives uninsured patients access to preventive care and discounted treatment for a flat annual fee.
Payment Methods
For your convenience, we accept the following forms of payment:
- Cash
- Personal check
- All major credit cards (Visa, MasterCard, American Express, Discover)
- Debit cards
- HSA and FSA cards (Health Savings and Flexible Spending Accounts)
- CareCredit and other approved financing
Flexible Financing Options
We understand that some treatment plans may require an investment beyond what insurance covers. To help, we partner with leading healthcare financing providers that offer low interest and no interest payment plans for qualified patients.
CareCredit
CareCredit is a healthcare credit card that lets you pay for dental treatment in monthly installments. Many patients qualify for promotional periods with no interest if paid in full within the promotional window. Application takes only a few minutes and can be done in our office or online before your visit at www.carecredit.com.
Sunbit
Sunbit is another option that allows you to split your dental care costs into monthly payments. Approval is fast, and applying does not affect your credit score.
In House Payment Arrangements
For larger treatment plans, please speak with our financial coordinator. We can often work with you to set up a personalized payment schedule that fits your budget.
Treatment Cost Estimates
Before any non emergency treatment begins, we provide a clear, itemized estimate that shows your projected insurance coverage, your estimated patient portion, and any payment options that may apply. We will not move forward with treatment until you understand the cost and have given your consent.
Frequently Asked Questions
How do I find out what my insurance covers?
Call our office at (858) 487-7766 with your insurance information ready. We will verify your benefits, explain your coverage, and let you know what to expect before your appointment.
What if my insurance does not cover the treatment I need?
If insurance covers only part of your recommended treatment or none of it, we will discuss alternative treatment paths, financing options, and our membership savings plan with you so that cost is never the only barrier to good oral health.
Do you offer discounts for paying upfront?
Yes. Patients who pay the full amount of larger treatment plans before treatment begins may qualify for a courtesy discount. Please ask our financial coordinator for details.
What if I need emergency dental care and cannot pay right away?
Please do not let cost stop you from getting urgent care. Call us immediately and we will help you find a way forward, whether through insurance, financing, or a deferred payment plan.
Ready to Get Started
Have questions about your insurance, financing, or estimated treatment cost? Our team is ready to help. Call us at (858) 487-7766, email sdoralhealth@gmail.com, or request an appointment online. We will take it from there.