We file your insurance
Our front-desk team submits your claims and documentation directly to your carrier — so you don't have to chase reimbursements.
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Insurance & Financing
Care that fits your budget
We accept most major dental insurance, file your claims for you, and offer flexible payment options — including CareCredit and Cherry — so the right treatment is also the realistic one.
Transparent estimates
Before any treatment starts, you'll get a written estimate that breaks down what insurance covers and what your share looks like. No surprise bills.
Flexible payment plans
From single visits to full smile makeovers, we'll work with you on a payment plan that fits — including third-party financing with monthly options.
Dental insurance
We accept most major plans
We work with most PPO dental plans and many HMO/DHMO networks. If your carrier isn't listed below, call us at (310) 830-3452 — we likely still accept it as an out-of-network provider and can verify benefits before your visit.
- Delta Dental
- Cigna
- Aetna
- MetLife
- Guardian
- United Healthcare
- Anthem Blue Cross
- Humana
- Principal
- Ameritas
- + many more — call to verify
In-network status varies by plan tier and procedure. We verify coverage before treatment and submit your claim on your behalf. Out-of-network benefits are honored by most PPO plans.
Financing partners
Pay over time, on terms that work
For treatment plans that go beyond what insurance covers, we partner with trusted patient-financing providers. Apply in minutes — most decisions are instant and won't impact your credit score to check.
Cherry
Instant pre-qualification
Cherry — buy now, pay monthly
Cherry offers flexible monthly payment plans from 3 to 60 months for dental care. Apply in seconds with no impact to your credit score, and find out instantly what you qualify for. 0% APR plans available for qualified applicants.
- No hard credit check to pre-qualify
- Same-day decisions
- Plans from $200 to $10,000+
CareCredit
Healthcare credit card
CareCredit — short-term & long-term plans
CareCredit is a healthcare credit card accepted at over 250,000 providers nationwide. Choose interest-free short-term plans (6, 12, 18, or 24 months) for qualifying purchases, or longer-term reduced-APR plans for larger treatment.
- Online application with instant decision
- Interest-free promotional periods available
- Use for the whole family, not just dental
In-Office Plan
Talk to our team
Custom in-office payment plan
For long-term patients and ongoing care, we can split larger treatment plans into manageable installments paid directly to the office — no third-party application required. Speak with our financial coordinator about what's possible.
- No outside application needed
- Built around your treatment timeline
- Pair with insurance & financing for maximum flexibility
Cash · Check · Card
All major cards
Cash, check, or credit card
We accept all major credit cards (Visa, Mastercard, American Express, Discover), debit, HSA/FSA cards, personal checks, and cash. You can split a treatment fee across multiple payment methods if that helps you budget.
- HSA / FSA accepted
- Split between multiple methods welcome
- Receipts for tax-deductible care
How it works
1
Verify
Tell us your insurance carrier when you book. We verify your benefits before your visit so there are no surprises.
2
Estimate
After your exam, you'll get a written treatment plan with the insurance estimate and your portion clearly broken down.
3
Choose
Pick a payment method — insurance plus cash, CareCredit, Cherry, an in-office plan, or any combination. We make it work.
4
Treat
Treatment proceeds. We submit your claim on your behalf and apply payments at every visit.
Common questions
What if I don't have dental insurance?
That's common — and not a problem. We see uninsured patients every day. Between cash payment, CareCredit, Cherry, and our in-office payment plans, we'll build something that fits. Ask about our new-patient exam pricing.
Will applying for CareCredit or Cherry hurt my credit?
Cherry's pre-qualification is a soft credit check and doesn't impact your score. CareCredit also offers instant decisions on its application. If you decide to proceed and accept a plan, a hard inquiry may then be placed by the lender.
Can I split a payment between insurance, CareCredit, and a credit card?
Yes. You can mix and match. Many patients use insurance to cover the bulk, CareCredit for the remainder over 12 months, and a credit card for the small out-of-pocket portion.
Do you require payment up front?
For routine visits, we collect your estimated share at the time of service. For larger treatment plans (implants, full-mouth rehabilitation, orthodontics), we work out the payment timing with you in advance — never a surprise on the chair.
What if my insurance pays less than expected?
Insurance estimates are estimates — actual reimbursement can vary. If your insurance pays less than projected, we'll review the explanation of benefits with you and adjust your in-office plan accordingly. No collection-style surprises.
Do you charge for treatment consultations?
Initial implant and cosmetic consultations are complimentary. Standard exam and X-ray visits are billed to your insurance or paid out of pocket at our new-patient rate.
Don't let cost stand between you and your smile.
Call or book online. We'll verify your insurance and walk you through the options before your appointment.
How dental insurance and flexible financing work together to keep care affordable
Understanding your dental insurance and financing options ahead of an appointment removes a lot of the uncertainty that patients feel when a treatment plan is presented. The two systems are designed to cover different parts of the same goal: keeping recommended care within reach without forcing difficult trade-offs.
Most dental plans are structured around annual maximums, deductibles, and tiered coverage percentages. Preventive visits such as cleanings, exams, and routine radiographs are frequently covered at or near full value, while restorative work is reimbursed at a lower percentage once the deductible is met. Because coverage resets on a plan year, patients sometimes benefit from sequencing longer treatment plans across two benefit periods. The administrative team can review your specific policy and provide a written estimate before any work begins, so there are no surprises at checkout.
Financing fills the gap that insurance leaves behind. When a treatment plan exceeds the annual maximum, or when a procedure falls into a category the plan reimburses modestly, third-party payment plans let patients spread the out-of-pocket balance over fixed monthly installments. Many of these plans offer deferred-interest windows for those who qualify, and the practice can walk you through the terms so you can compare the total cost of each path.
What to bring and review before your financial consultation
A short preparation step makes the conversation far more useful. Patients who arrive with their insurance card, a rough sense of any benefits already used this year, and a list of questions typically leave the consultation with a clear plan. It also helps to ask three things directly: what the plan is expected to cover, what the estimated patient responsibility will be, and whether the balance can be financed.
- Coordination of benefits: if you carry two policies, the order in which they pay affects your final cost.
- Pre-authorization: some restorative procedures are reviewed by the insurer in advance, which the office can submit on your behalf.
- In-house membership plans: patients without insurance sometimes find a flat-fee membership more predictable than per-visit pricing.
The point of combining these tools is not to push toward the most expensive option; it is to make the recommended plan of care financially manageable on a schedule that fits your budget. Patients who plan ahead tend to complete recommended treatment more consistently, which supports better long-term oral health outcomes.
This page is informational and is not medical or financial advice. Decisions about your treatment options and payment plans should always be made in consultation with a qualified dental provider and, where relevant, a financial advisor.