Insurance & financing
Cost should never stand between you and your smile.
We maximize your insurance, explain every fee in writing, and offer flexible monthly plans for implants and cosmetic dentistry.
Insurance we work with
- In-network with Delta Dental PPO and Premier. Most PPO plans accepted out-of-network.
- We file claims for you and provide a written estimate before treatment.
- We help you use benefits before they reset each January.
Financing options
- CareCredit with promotional financing on qualifying treatment.
- Third-party implant financing from about $86/month with approved credit.
- Phased treatment plans that match your budget and timeline.
Payments accepted
- Cash, Visa, Mastercard, Discover, CareCredit, Third-party financing
- HSA and FSA cards for eligible care.
- Transparent written fees—no surprises.
FAQ
Insurance & financing FAQ
Don't see your question? Ask our AI Smile Guide or call our team—we're happy to help.
Does dental insurance cover implants?
Many PPO plans cover part of an implant crown, extraction or bone graft, up to your annual maximum. We verify your benefits before treatment and phase care across plan years when it saves you money.
Do you accept HMO dental plans?
We are a PPO and fee-for-service office. We do not currently accept DHMO plans, but our new patient special and financing make care affordable without them.
Can I use my HSA or FSA?
Yes. Most dental treatment, including implants, is an eligible expense for HSA and FSA accounts. Cosmetic-only procedures like whitening typically are not.
How do I apply for financing?
You can apply with CareCredit or our third-party partners at your consultation. Approval is typically instant and many plans include promotional no-interest periods.
Your new smile starts with one conversation.
Book a visit online, call our Lake Forest office, or ask the AI Smile Guide which treatment fits your goals.