Does dental insurance cover dental implants?

Many PPO dental plans include partial implant coverage — typically a fixed dollar amount per implant (often $1,000–$1,500) if the plan includes implant benefits. Some older plans exclude implants entirely. The best way to know exactly what your plan covers is to bring your insurance card to your consultation — we verify your benefits and explain your coverage before any treatment begins.

Does insurance cover veneers?

Standard porcelain veneers are classified as cosmetic by most insurance plans and are not covered. However, if a veneer is the appropriate restorative treatment for a structurally compromised tooth (a cracked tooth, for example), partial coverage may apply under the restorative portion of your plan. We review this at your consultation.

What if I have no dental insurance?

No insurance is not a barrier to care. Many patients without insurance finance treatment through CareCredit or Proceed Finance, which offer low- or no-interest payment plans. We also offer flexible in-office payment arrangements. The complimentary consultation gives you a clear total cost estimate so you can plan before committing.

How does CareCredit work?

CareCredit is a healthcare credit card accepted at dental offices nationwide. Once approved, you can use it to pay for treatment and repay over time — often with 0% promotional interest periods of 6, 12, 18, or 24 months depending on the amount. Applying takes a few minutes online or in our office, and approval decisions are typically instant.

Can I split the cost of treatment across multiple appointments?

In many cases, yes — particularly for multi-phase treatments like dental implants, where the surgical and restorative phases are naturally separated. We discuss payment timing and options at your consultation so you know exactly when each payment is due and can plan accordingly.

Is the consultation really free?

Yes. The initial consultation for implant and cosmetic cases is complimentary — it includes a clinical examination, a review of your existing records or imaging, and an honest discussion of your options, timeline, and total cost. There is no charge and no obligation to proceed.

Financing & Insurance

Quality dental care should be
within reach.

We work with most major PPO dental insurance plans and offer flexible financing through CareCredit and Proceed Finance — so cost doesn't stand between you and the treatment you need.

Free Consultation (714) 846-1386

Insurance

We work with your insurance

We accept most major PPO dental insurance plans and will file claims on your behalf for out-of-network plans. Our team verifies your benefits before treatment begins — so you know exactly what's covered and what your out-of-pocket cost will be, with no surprises.

We do not accept HMO or Denti-Cal plans. If you're unsure whether your plan is accepted, call us and we'll check before you come in.

PPO Dental Insurance

Most PPO plans provide benefits for exams, X-rays, cleanings, fillings, extractions, crowns, and sometimes implants. We verify your specific coverage and apply your benefits to your treatment cost.

Out-of-Network PPO

If we're not in your plan's network, we can still file claims on your behalf. You may have higher out-of-pocket costs, but many patients find the specialist quality worth the difference.

HMO / Capitation Plans

HMO dental plans assign you to a network dentist and do not cover out-of-network care. We do not participate in HMO plans.

What's Typically Covered

Understanding your benefits

Dental insurance is designed primarily for preventive and basic restorative care. Major procedures like implants and cosmetic treatments have more limited coverage. Here's a general guide — your specific plan will differ.

Exams & X-rays

100%

Usually fully covered, 1–2x per year

Cleanings (prophylaxis)

100%

2x per year under most plans

Fillings

70–80%

After deductible

Crowns

50%

Up to annual maximum, after waiting period

Dental Implants

0–50%

Varies widely — some plans include $1,000–1,500/implant

Bone Grafting

0–50%

May be covered as surgical procedure

Porcelain Veneers

Usually $0

Classified cosmetic; exceptions for restorative cases

Dentures

50%

Up to annual maximum, after waiting period

Coverage percentages are general estimates. Your actual benefits depend on your specific plan. We verify your coverage before treatment begins.

Financing Options

Flexible payment plans available

We offer multiple financing options so you can start treatment now and pay over time — often with low or no interest.

CareCredit

Healthcare credit card with promotional 0% interest periods of 6–24 months. Apply online in minutes — approval decisions are typically instant.

0% interest promotions available
6, 12, 18, or 24-month terms
Instant online approval
Use for any treatment cost

Apply for CareCredit

Proceed Finance

Longer-term fixed-rate financing for larger treatment amounts. Ideal for All-on-4, full-mouth reconstruction, or cases where you want extended repayment terms.

Terms up to 60 months
Fixed monthly payments
Designed for larger cases
Simple application process

Learn About Proceed

Flexible Arrangements

For multi-phase treatments like dental implants, we discuss timing and payment arrangements at your consultation. Many treatments are naturally spread across several appointments.