Insurance and Payment Policies

At Alta Dental Group, we believe everyone deserves access to exceptional dental care. As a family-owned practice, we understand the importance of making quality dental treatment affordable and accessible. We’ve designed our insurance and payment policies to be transparent, flexible, and patient-friendly.

Insurance We Accept

We’re proud to be in-network with most major PPO dental insurance providers, making it easier for you to receive the care you need while maximizing your insurance benefits.

PPO Insurance Partners

United Concordia
Aetna
Ameritas
Anthem BlueCross 300
Assurant/DHA (SunLife)
Cigna
Connection/GEHA
Delta Dental
Guardian
Humana
MetLife
Principal
United Healthcare

Don’t see your insurance listed? Please contact our office at 949-561-1449 as we regularly update our network participation and may still be able to work with your provider.

Understanding Your Benefits

Our experienced team will help you navigate your dental insurance benefits to ensure you get the most from your coverage. We’ll:

Verify your insurance eligibility before your appointment
Provide detailed treatment estimates showing your expected out-of-pocket costs
Submit all claims directly to your insurance company
Help you understand your annual maximums, deductibles, and coverage percentages
Coordinate benefits if you have multiple insurance plans

Payment Options

We offer several convenient payment methods to accommodate your needs:

Accepted Payment Methods

Cash
Personal checks
All major credit cards (Visa, MasterCard, American Express, Discover)
Debit cards
Health Savings Accounts (HSA)
Flexible Spending Accounts (FSA)

Financing Options

We understand that some dental treatments represent a significant investment in your health. To make care more accessible, we offer:

CareCredit® – Interest-free financing options for qualified patients
In-house payment plans – Customized payment arrangements for extensive treatment
Senior and military discounts – Special pricing for those who have served our community

Our Financial Policy

Payment Expectations

Routine visits: Co-payments and deductibles are due at the time of service
Major treatment: We require a deposit before beginning extensive procedures, with the balance due upon completion
Emergency appointments: We’ll work with you to ensure you receive immediate care, with flexible payment arrangements available

Insurance Claims

We submit all insurance claims as a courtesy to our patients
You are responsible for any portion not covered by insurance
If your insurance hasn’t paid within 60 days, the balance becomes your responsibility
We’ll work with you to appeal any denied claims

No Insurance? No Problem!

We believe everyone deserves quality dental care, regardless of insurance status. Ask about our:

Alta Dental Membership Plan – Affordable in-house savings program
Cash payment discounts – Special rates for patients paying at time of service
Flexible payment arrangements – We’ll work with you to create a manageable payment plan

Financial Consultations

Before beginning any major treatment, we provide:

Comprehensive treatment plans with clear pricing
Insurance benefit breakdowns
Multiple treatment options to fit your budget
No-pressure consultations to discuss your financial options

Questions About Insurance or Payments?

Our knowledgeable team is here to help you understand your coverage and payment options. We’ll take the time to explain everything clearly and help you make informed decisions about your dental care.

Contact our Financial Coordinator

Sunday: Closed
Monday: 12:00 PM – 6:00 PM
Tuesday: 8:30 AM – 5:00 PM
Wednesday: Closed
Thursday: 8:30 AM – 5:00 PM
Friday: 8:00 AM – 3:00 PM
Saturday: 8:00 AM – 3:00 PM

Important Reminders

We believe everyone deserves quality dental care, regardless of insurance status. Ask about our:

Annual Benefits: Most dental insurance plans operate on a calendar year. Don’t let your benefits expire unused!
Pre-authorization: We’ll obtain pre-authorization for major treatments to avoid surprises
Flexible Spending: Use your FSA/HSA funds before they expire
Updates: Please inform us of any changes to your insurance coverage