Insurance & Payment Options

Nobody should skip dental care because the insurance side feels confusing. Our front desk handles plan questions all day, every day, bring us your card and we'll tell you plainly what's covered.

Insurance plans we accept

We accept Delta Dental, MetLife, United Concordia, Aetna, Humana, Guardian, CCPOA, and Cigna: and we welcome all PPO plans. If you don't see your plan listed, call us at (559) 686-4940 and Nenita will check your coverage before your visit, so you know where you stand ahead of time.

How your dental benefits usually work

Most PPO dental plans follow a "100-80-50" pattern: preventive care (cleanings, exams, x-rays) is typically covered at or near 100%, basic procedures (fillings, extractions) around 80%, and major work (crowns, bridges, dentures, root canals) around 50%, after your deductible and up to an annual maximum.

Two things most patients don't realize:

• Unused benefits expire. Most plans reset on January 1, if you haven't used your cleanings or have remaining annual maximum in the fall, that's free money for your health being left on the table.
• Prevention is the best deal in dentistry. A covered cleaning today routinely prevents a 50%-covered crown next year.

We'll always give you a clear estimate of your out-of-pocket cost before treatment begins.

Payment options and financing

We make paying simple and flexible:

• CareCredit financing. We accept CareCredit, the healthcare credit card that lets you split treatment costs into manageable monthly payments, often with promotional interest-free periods for qualifying purchases. Apply at carecredit.com or ask our front desk for help.
• All payment methods accepted. Cash, check, debit, and all major credit cards. Please note that a 3% processing fee applies to credit card payments; cash, check, and debit avoid the fee.
• Clear estimates first. You'll always know your cost before treatment begins.

No insurance? You're welcome here

Cash patients are always welcome, and dentistry without insurance is more affordable than most people fear, especially when problems are caught early. Ask about our new-patient special for uninsured patients: an exam, digital x-rays, professional cleaning, and a personalized treatment plan at one flat price.

Our promise on the money side

Clear estimates before treatment. Help maximizing your benefits. Honest advice about what's urgent and what can wait. And never a treatment recommendation driven by anything other than what's right for your mouth.