CareCredit
Healthcare-specific credit line designed for medical and dental costs. Multiple payment plan options including 6, 12, 18, 24, and 60-month plans, with promotional 0% APR available on qualifying plans. Apply online in minutes.
01 — Insurance & Financing
Insurance and financing in Downey.
Most PPO plans accepted, plus flexible financing for patients without coverage. We verify benefits before every appointment.
02 — Insurance
Most major dental plans accepted.
We accept most PPO plans and are in-network with many of the largest carriers. Coverage varies significantly by plan, even within the same insurance company, so we verify your specific benefits before every appointment to give you a clear understanding of what is covered and what is not.
Most preventive care (cleanings, exams, X-rays) is covered at 100 percent by most plans, twice per year. Basic restorative care (fillings, simple extractions) is typically covered at 70-80 percent. Major restorative care (crowns, bridges, root canals) is typically covered at 50 percent. Coverage for specialty services, dentures, and cosmetic dentistry varies by plan.
If we are not in-network with your specific plan, we may still be able to file claims on your behalf as an out-of-network provider. Insurance benefits may be reduced for out-of-network care, but it is often less of a difference than patients expect. Ask us about your specific situation.
03 — Plans We Accept
Insurance plans we work with.
We accept most PPO plans. Here are the carriers we are most often in-network with, your specific coverage depends on your individual plan.
- Delta Dental
- MetLife
- Cigna
- Aetna
- Anthem
- Guardian
- United Healthcare
- Blue Cross Blue Shield
If your insurance plan is not listed above, contact us anyway. We work with many additional plans not shown here, and we can verify whether we accept your specific plan and what your benefits are.
04 — How Verification Works
We verify benefits before your visit.
We do the work of understanding your specific coverage so you do not have to. Here is the process:
Schedule your appointment.
Book your visit. Provide your insurance information when scheduling, name, plan, member ID.
We verify your benefits.
Before your visit, we contact your insurance carrier to confirm which procedures are covered, what your deductible is, what your annual maximum is, and what your specific coverage percentages look like.
You receive a clear estimate.
Before any treatment beyond a routine cleaning, you receive a detailed estimate showing exactly what insurance covers and what your out-of-pocket cost will be. No surprises after the fact.
We file claims for you.
After your visit, we file the insurance claim on your behalf. Most claims process within 2-4 weeks. We follow up if there are questions or denials and resolve issues with the insurance company so you do not have to.
If you have questions about your coverage at any point, our front desk team is happy to walk you through your specific plan in English or Spanish.
05 — Financing
Financing for treatment costs.
For patients without insurance or with significant out-of-pocket costs, we offer flexible financing options.
In-House Payment Plans
For some procedures, we can arrange flexible payment schedules directly with our practice. Discuss your specific situation with our front desk team to see if this is an option for your treatment.
Major Credit Cards
We accept all major credit cards including Visa, Mastercard, American Express, and Discover. Use your existing rewards card or balance transfer offer to spread treatment costs.
We do not require payment in full upfront for major procedures. Most patients pay a deposit at the start of treatment with the balance financed or paid over time. Talk to us about what works for your specific situation, we want treatment to be possible, not financially overwhelming.
06 — Common Questions
Questions about cost?
Cost is one of the most common reasons patients hesitate to schedule. Honest answers below.
Ask a QuestionWe verify your specific benefits before each visit, contacting your insurance carrier to confirm coverage percentages, deductibles, annual maximums, and specific procedure limitations. You receive a clear estimate before any treatment beyond a routine cleaning showing exactly what insurance covers and what your out-of-pocket cost will be.
No. For major procedures, most patients pay a deposit at the start of treatment with the balance paid over time, either through CareCredit financing, in-house payment plans, or other arrangements. We discuss payment options before any treatment begins so you have a plan that works for your budget.
Many of our patients are uninsured. We provide clear cost estimates before any treatment, accept multiple payment methods, and offer CareCredit financing to spread costs over time. For patients without insurance, the cost difference for routine care is typically less than expected, since insurance often only covers part of even covered procedures.
Yes. Initial consultations for cosmetic procedures, restorative cases like dental implants and All-on-4, orthodontics, and periodontal evaluations are free. The consultation includes evaluation, treatment planning discussion, and clear cost breakdown. There is no obligation to commit to treatment, you leave with a plan and time to consider.
CareCredit's promotional financing plans (6, 12, 18, or 24 months) charge 0% interest if paid in full within the promotional period. Standard plans (longer terms) carry a fixed APR. The right plan depends on your specific situation, our front desk team helps you choose.
Most dental insurance plans do not cover purely cosmetic procedures (whitening, veneers, cosmetic bonding) since they are classified as elective rather than medically necessary. However, some procedures with both functional and cosmetic benefits (crowns on damaged teeth, replacement of failing dental work) often have partial insurance coverage. We verify your specific benefits before treatment.
We follow up with the insurance company to resolve denials whenever possible, requesting reconsiderations, providing additional documentation, or filing appeals on your behalf. Most denials are resolved through this process. If a denial cannot be resolved, you would owe the portion that was not covered, but we do everything we can to ensure proper coverage first.
We do not advertise specific discounts but discuss financial considerations openly with every patient. If cost is a barrier to recommended treatment, talk to us, we can often work out arrangements that help. Treatment delayed because of cost often becomes more expensive later, so we want to find a way to make care possible now.
07 — Uninsured Patients
No insurance? You are not alone.
Roughly 25 percent of American adults do not have dental insurance. Many of our patients fall in this group, and they receive the same quality of care as insured patients. The cost difference for routine care is often less than expected, since insurance plans typically have annual maximums that limit total coverage anyway.
For patients without insurance, we focus on prevention (which is significantly less expensive than treatment), provide clear cost estimates upfront, and offer CareCredit financing to spread larger costs over time. Many uninsured patients find their total annual dental costs at our practice comparable to what they would pay in insurance premiums plus out-of-pocket costs at an in-network practice.
If you have been avoiding the dentist because you do not have insurance, do not let that stop you. Schedule a free consultation, we will give you a clear picture of your dental health and what care would cost, and you can make an informed decision.
Book Your Visit
Your next dental home is ready when you are.
New patients welcome. Same-week appointments available for most visits.