We file your insurance
Our front-desk team submits your claims and documentation directly to your carrier — so you don't have to chase reimbursements.
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Insurance & Financing
Care that fits your budget
We accept most major dental insurance, file your claims for you, and offer flexible payment options — including CareCredit and Cherry — so the right treatment is also the realistic one.
Transparent estimates
Before any treatment starts, you'll get a written estimate that breaks down what insurance covers and what your share looks like. No surprise bills.
Flexible payment plans
From single visits to full smile makeovers, we'll work with you on a payment plan that fits — including third-party financing with monthly options.
Dental insurance
We accept most major plans
We work with most PPO dental plans and many HMO/DHMO networks. If your carrier isn't listed below, call us at (310) 412-8013 — we likely still accept it as an out-of-network provider and can verify benefits before your visit.
- Delta Dental
- Cigna
- Aetna
- MetLife
- Guardian
- United Healthcare
- Anthem Blue Cross
- Humana
- Principal
- Ameritas
- + many more — call to verify
In-network status varies by plan tier and procedure. We verify coverage before treatment and submit your claim on your behalf. Out-of-network benefits are honored by most PPO plans.
Financing partners
Pay over time, on terms that work
For treatment plans that go beyond what insurance covers, we partner with trusted patient-financing providers. Apply in minutes — most decisions are instant and won't impact your credit score to check.
Cherry
Instant pre-qualification
Cherry — buy now, pay monthly
Cherry offers flexible monthly payment plans from 3 to 60 months for dental care. Apply in seconds with no impact to your credit score, and find out instantly what you qualify for. 0% APR plans available for qualified applicants.
- No hard credit check to pre-qualify
- Same-day decisions
- Plans from $200 to $10,000+
CareCredit
Healthcare credit card
CareCredit — short-term & long-term plans
CareCredit is a healthcare credit card accepted at over 250,000 providers nationwide. Choose interest-free short-term plans (6, 12, 18, or 24 months) for qualifying purchases, or longer-term reduced-APR plans for larger treatment.
- Online application with instant decision
- Interest-free promotional periods available
- Use for the whole family, not just dental
In-Office Plan
Talk to Dr. Coh
Custom in-office payment plan
For long-term patients and ongoing care, we can split larger treatment plans into manageable installments paid directly to the office — no third-party application required. Speak with our financial coordinator about what's possible.
- No outside application needed
- Built around your treatment timeline
- Pair with insurance & financing for maximum flexibility
Cash · Check · Card
All major cards
Cash, check, or credit card
We accept all major credit cards (Visa, Mastercard, American Express, Discover), debit, HSA/FSA cards, personal checks, and cash. You can split a treatment fee across multiple payment methods if that helps you budget.
- HSA / FSA accepted
- Split between multiple methods welcome
- Receipts for tax-deductible care
How it works
Verify
Tell us your insurance carrier when you book. We verify your benefits before your visit so there are no surprises.
Estimate
After your exam, you'll get a written treatment plan with the insurance estimate and your portion clearly broken down.
Choose
Pick a payment method — insurance plus cash, CareCredit, Cherry, an in-office plan, or any combination. We make it work.
Treat
Treatment proceeds. We submit your claim on your behalf and apply payments at every visit.
Common questions
What if I don't have dental insurance?
That's common — and not a problem. We see uninsured patients every day. Between cash payment, CareCredit, Cherry, and our in-office payment plans, we'll build something that fits. Ask about our new-patient exam pricing.
Will applying for CareCredit or Cherry hurt my credit?
Cherry's pre-qualification is a soft credit check and doesn't impact your score. CareCredit also offers instant decisions on its application. If you decide to proceed and accept a plan, a hard inquiry may then be placed by the lender.
Can I split a payment between insurance, CareCredit, and a credit card?
Yes. You can mix and match. Many patients use insurance to cover the bulk, CareCredit for the remainder over 12 months, and a credit card for the small out-of-pocket portion.
Do you require payment up front?
For routine visits, we collect your estimated share at the time of service. For larger treatment plans (implants, full-mouth rehabilitation, orthodontics), we work out the payment timing with you in advance — never a surprise on the chair.
What if my insurance pays less than expected?
Insurance estimates are estimates — actual reimbursement can vary. If your insurance pays less than projected, we'll review the explanation of benefits with you and adjust your in-office plan accordingly. No collection-style surprises.
Do you charge for treatment consultations?
Initial implant and cosmetic consultations are complimentary. Standard exam and X-ray visits are billed to your insurance or paid out of pocket at our new-patient rate.
Don't let cost stand between you and your smile.
Call or book online. We'll verify your insurance and walk you through the options before your appointment.
How dental insurance coverage works and what patients should check before care
Understanding your dental insurance coverage before an appointment helps you anticipate costs and avoid surprises at checkout. Most plans follow a predictable structure, and a short review of your benefits ahead of time usually answers the questions patients ask most.
Dental plans typically sort procedures into categories. Preventive care, such as exams, routine cleanings, and many diagnostic images, is often covered at or near full benefit. Basic procedures, including fillings and simple extractions, tend to be covered at a partial rate. Major procedures, such as crowns, bridges, and dentures, are usually covered at a lower percentage, and the plan may apply a waiting period before those benefits begin.
Two numbers shape most of what you will pay. The first is the annual maximum, which is the total amount a plan will pay toward your care in a benefit year; once it is reached, remaining costs fall to you. The second is the deductible, a set amount you pay out of pocket before the plan begins to contribute. Coinsurance, the percentage split between you and the plan, then determines the balance on covered work.
Network status also matters. An in-network provider has agreed to contracted fees, which often lowers your share. Out-of-network care can still be covered, though your portion may be larger. It is reasonable to confirm network participation directly with both the office and your carrier, since directories are not always current.
Before care, patients should check a few specifics:
- Remaining annual maximum and how much of the deductible is already met
- Coverage percentages for the specific procedure category being discussed
- Any waiting periods, frequency limits, or missing-tooth clauses
- Whether a pre-treatment estimate is available for larger procedures
A pre-treatment estimate is one of the most useful tools available. For planned major work, the office can submit the proposed procedures to your carrier, which returns an estimate of what the plan expects to pay. This is not a promise of payment, but it narrows the range considerably and gives you a clearer figure to plan around.
If a procedure falls outside your benefits or exceeds your annual maximum, financing options and phased treatment plans can spread cost over time. Our team can walk through estimated balances and available arrangements so that the financial side is settled before treatment begins.
This page is informational and is not medical, dental, or financial advice. Coverage decisions should always be made in consultation with a qualified provider and your insurance carrier.
How patients can estimate out-of-pocket dental costs before scheduling care
Understanding your likely out-of-pocket dental costs before an appointment helps you plan with less uncertainty. A reliable cost estimate depends on a few inputs you can gather in advance, and our administrative team is glad to walk through each one with you.
Start with your dental benefit summary. Most plans group services into categories such as preventive, basic, and major, and each category is often reimbursed at a different percentage. Knowing your annual maximum, your deductible, and whether you have already met part of it gives you the framework for any cost estimate. If you are unsure where to find these figures, the toll-free number on your benefits card can confirm them in a few minutes.
Next, ask for an itemized treatment plan. Once a provider has examined you, the plan lists each proposed procedure by its billing code. With those codes in hand, your plan administrator can tell you the allowed amount for each service and how much falls to you. This step turns a vague worry about out-of-pocket dental costs into specific numbers you can review line by line.
Several factors can shift the final figure, and it helps to account for them early:
- Network status: in-network providers are reimbursed at contracted rates, which usually lowers your share compared with out-of-network care.
- Frequency limits: some services, such as cleanings or certain radiographs, are covered only a set number of times per year.
- Waiting periods: newer policies sometimes delay coverage for major procedures.
- Remaining annual maximum: treatment scheduled late in the plan year may draw on a maximum that is already partly used.
For patients without dental benefits, our team can prepare a straightforward self-pay estimate and review any in-house membership or financing options that may apply. Splitting a larger plan across phases is sometimes possible, and sequencing care across two benefit years can also reduce what you pay at any one time.
When you call to schedule, having your benefit summary and a list of your questions ready lets us give you the most accurate picture we can. Estimates remain projections until claims are processed, but a well-prepared estimate rarely holds surprises. We would rather you understand the numbers before care begins than after.
This page is informational and is not medical or financial advice. Treatment options and specifics should always be made in consultation with a qualified dental provider.