Insurance & Payments

Insurance & Payment Options

We believe cost should never be a barrier to a healthy smile. Our team works with most major PPO plans and offers flexible payment options to make dental care accessible for every family.

Discussing dental care at HB Dentist
Personal care. Right here in Huntington Beach.
Accepted Plans

Insurance Providers We Accept

We proudly accept most PPO dental insurance plans. If you don't see your provider listed, give us a call — we may still be able to work with your plan.

Aetna PPO
Ameritas
Anthem Blue Cross
Cigna PPO
Delta Dental PPO
DenteMax
Guardian Dental
MetLife PPO
United Concordia
United Healthcare PPO

Don't see your insurance provider? We work with many additional plans. Call (714) 536-2571 and our team will verify your benefits.

Simple Process

How Insurance Works at Our Office

We make it easy to use your dental benefits. Our team handles the details so you can focus on your smile.

01

Verify Your Coverage

Share your insurance details when you schedule your appointment. Our team will contact your provider and verify your benefits before you even walk in the door.

02

We Handle the Paperwork

We file all insurance claims directly on your behalf and communicate with your provider to ensure you receive the maximum benefits available under your plan.

03

You Save Money

By maximizing your insurance benefits and providing transparent cost estimates upfront, you'll know exactly what to expect with no surprise bills after your visit.

No Insurance? No Problem

Affordable Dental Care for Everyone

If you're looking for an affordable dentist in Huntington Beach, our office offers competitive cash-pay rates that make routine and restorative dental treatments affordable. For tooth replacement, our team can also walk you through denture costs & financing before treatment begins.

  • Transparent pricing with no hidden fees
  • Affordable cash-pay rates for all services
  • CareCredit promotional financing for qualified applicants
  • Out-of-network benefits may still provide coverage

Affordable Care

Competitive cash-pay rates designed to keep dental care within reach for every family in Huntington Beach.

Upfront Estimates

We provide detailed cost estimates before any treatment begins so there are never any financial surprises.

Payment Methods

Convenient Ways to Pay

We offer a variety of payment options so you can choose what works best for your budget.

Credit Cards

Visa, Mastercard, Discover, and American Express accepted

ATM / Debit Cards

Use your debit card with PIN or signature for easy payments

Cash

Cash payments are always welcome at our office

HSA / FSA

Health Savings and Flexible Spending Accounts accepted

CareCredit

Promotional financing for qualified applicants; terms vary

Flexible Financing

CareCredit Monthly Payment Plans

CareCredit may let qualified applicants pay for treatment over time. Ask which promotions the office currently offers, then review the card agreement before applying.

Promotional Financing

Available offers and eligibility vary; review the complete terms before applying

Easy Monthly Payments

Break treatment costs into manageable monthly installments

Quick Application

Apply in minutes at our office or online before your appointment

Use for Any Treatment

CareCredit covers everything from cleanings to cosmetic procedures

Pay over time

CareCredit Financing

Some qualifying purchases may be eligible for deferred-interest or reduced-APR promotions. Deferred interest is charged from the purchase date if the promotional balance is not paid in full by the deadline. Minimum monthly payments are required.

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Common Questions

Frequently Asked Questions

Find answers to common questions about insurance, billing, and payment at our practice.

What dental insurance plans do you accept?

We accept most PPO dental insurance plans including Aetna PPO, Ameritas, Anthem Blue Cross, Cigna PPO, Delta Dental PPO, DenteMax, Guardian Dental, MetLife PPO, United Concordia, and United Healthcare PPO. If your provider is not listed, please call our office at (714) 536-2571 to verify your specific plan — we may still be able to work with your insurance.

Do you accept patients without dental insurance?

Yes. Ask our team for a written cash-pay estimate and the financing options currently available. CareCredit promotions are subject to credit approval and their full card terms.

What is CareCredit and how does it work?

CareCredit is a healthcare credit card that may let qualified applicants pay for dental treatment over time. Some offers use deferred interest, which is charged from the purchase date unless the promotional balance is paid in full by the deadline. Ask which options this office currently offers and review the full agreement before applying.

Can I use my HSA or FSA for dental treatments?

Yes, we accept Health Savings Account (HSA) and Flexible Spending Account (FSA) payments. These pre-tax benefit accounts can be used to cover dental treatments including exams, cleanings, fillings, crowns, orthodontics, and more — helping you save money on your care.

Will you help me understand my insurance benefits?

Yes! Our team will verify your insurance benefits before your appointment and help you understand your coverage, co-pays, and out-of-pocket costs. We handle the insurance paperwork so you can focus on your dental health. Even if we are out-of-network with your plan, you may still receive out-of-network benefits that provide partial coverage.

Questions About Your Coverage?

Our friendly team is here to help you navigate your insurance benefits and find the most affordable path to the dental care you deserve. You can verify your coverage online or call us today.

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HB Dentist · Huntington Beach

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