Care That Fits Your Budget
We accept most PPO plans, offer transparent pricing, and partner with CareCredit and Cherry so you can spread payments across months.
Quality oral surgery, made affordable
We believe cost should never stand between you and the care you need. That is why every patient leaves our consultation with a written estimate and a clear path forward that fits their budget. Below is exactly how we work with insurance, third-party financing, and patients paying directly.
Insurance Carriers
Plans We Work With
We are in-network with most major PPO carriers. We also accept most out-of-network PPO plans and handle the paperwork for you.
- Delta Dental (PPO)
- Cigna PPO
- Aetna
- MetLife
- Guardian
- United Concordia
- Anthem Blue Cross PPO
- Blue Shield of California
- Principal
- Ameritas
- Humana
- Most other PPO plans
Don’t see your plan? Call (916) 783-2110 — most PPO plans allow out-of-network benefits, and we handle all the paperwork for you.
Financing
Flexible Payment Options
Spread your treatment cost across months with trusted healthcare lenders — many offer 0% promotional APR.
CareCredit
Healthcare credit card
- 0% promotional APR on qualifying purchases
- 6, 12, 18, or 24-month payment plans
- Decision in minutes — apply online or in-office
Cherry
Buy-now-pay-later financing
- Up to $10,000 with no hard credit check for pre-approval
- 3, 6, 12, 18, and 24-month plans
- Soft credit check — will not affect your credit score
HSA / FSA
Tax-advantaged savings accounts
- Most surgical procedures are HSA / FSA eligible
- Pay with pre-tax dollars
- We provide detailed receipts for reimbursement
In-office payment
Pay directly at our office
- All major credit cards accepted
- Cash, checks, and electronic transfers
- Discounts for prepayment on select procedures
Our Promises
How We Make It Easy
Four commitments you can count on from your very first call.
Free consultations
Your first visit — including a 3D CBCT scan when clinically indicated and a full treatment plan — is on us. You leave with a written estimate BEFORE making any decisions.
Pre-treatment estimates
Before any work begins, we file a pre-authorization with your insurer and give you a clear, line-by-line estimate of your out-of-pocket costs.
We file your insurance claims
We submit all the paperwork to your PPO carrier on your behalf. You only pay your portion on the day of the procedure.
Transparent, honest pricing
No surprises. Every charge is explained in plain language before treatment starts, and we will walk through alternatives together if a procedure is outside your budget.
Frequently Asked Questions
Insurance & Payment FAQ
Answers to the questions we hear most about cost, coverage, and financing.
Do you accept my insurance?
We are in-network with most major PPO plans — Delta Dental, Cigna, Aetna, MetLife, Guardian, Anthem Blue Cross, Blue Shield of California, and many others. We also accept most out-of-network PPO plans and file the claims on your behalf. Call us at (916) 783-2110 with your insurance information, and we will verify your coverage within one business day.
I don’t have dental insurance. What are my options?
Many of our patients pay out-of-pocket, and we have a clear path for them. Transparent pricing, free consultations, and partnerships with CareCredit and Cherry for flexible monthly plans (some at 0% promotional APR). HSA and FSA accounts are also accepted for most procedures.
How much will my treatment cost?
It depends on the procedure, your anatomy, and your insurance coverage. After your free consultation, you receive an itemized written estimate — including the expected insurance benefit and your out-of-pocket portion. No surprise bills, ever.
Does insurance cover full-arch (All-on-4) implants?
Most PPO plans cover part of the surgical components (implants, extractions, bone grafting), but rarely the full final prosthesis. Typical coverage ranges from $1,500 to $4,000 per arch depending on the plan. We verify your specific benefits and walk you through financing options to bridge the gap.
Is orthognathic (jaw) surgery covered by insurance?
Yes — when the surgery is performed for functional reasons such as severe malocclusion, sleep apnea, TMJ dysfunction, or difficulty chewing, orthognathic surgery is typically covered under medical insurance (not dental). We obtain pre-authorization before any surgical planning so you know your coverage up front.
I live in another state. How does insurance work for me?
We routinely treat patients who travel to Roseville from across the country for All-on-4, zygomatic implants, and complex reconstruction. If you have a PPO plan, it works nationwide (unlike HMO plans). We verify your coverage before you arrive so you know the final cost and can plan your trip with confidence. We can also help find a hotel near the office.
Can I spread payments across multiple visits?
Absolutely. For multi-phase treatments (such as All-on-4 spanning several months), payments are typically split by phase — surgical placement, healing period, final prosthesis. Both CareCredit and Cherry offer plans that match your treatment timeline.
Are there discounts for cash payments or prepayment?
Yes — select procedures offer a discount when paid in full at the start of treatment. Ask about current offers during your consultation.
Ready to talk about your insurance?
Call or message us — we will verify your coverage within one business day. Free consultations available.
Free 3D CT Scan · No Obligation · Flexible Financing · Roseville, CA