Payment Options & Financing

What payment options do you accept?

You can pay by cash, check, Visa, MasterCard, Discover or American Express. We also accept CareCredit, a healthcare credit card.

We’re adding more. Dr. Neff’s letter to patients describes “more payment choices, with flexible financing options to help fit care into your budget.” As new options are added, our team can tell you what’s available.

Do dental offices offer financing?

Many do. Financing is sometimes offered to make paying for dental care more manageable, and it can involve a credit card, such as a healthcare credit card.

At our Murrieta office, CareCredit is accepted today, and more financing choices are being added. Ask our team what’s available when you plan your treatment.

How do “no interest” financing offers work?

A “no interest” offer usually means you pay no interest only if you pay off the full balance before the promotion ends. If you miss a payment or still owe money when it ends, interest can be added on the full original amount, not just what’s left.

Before you sign up, read the agreement so you know when interest starts, when it might change and when fees apply. Keep copies of anything you sign.

Figure out how much you can pay each month, and check whether that amount will clear the balance before the offer ends. The minimum payment may not be enough.

How can I budget for dental treatment?

Start with a clear plan. Ask for information about fees and payment options before treatment is scheduled, so you know what to expect.

If you need several treatments, ask your dentist which needs are most urgent and whether the rest can be done in steps. Spreading care out can make it easier to fit into your budget, and it may let you use benefits from more than one plan year.

Keep up with checkups too. Most adults and children should have a routine exam about every six months, and X-rays can reveal problems that aren’t visible during an exam, such as new cavities. Learn more about cleanings and exams.

Should I use my insurance before financing?

Yes. Ask what your insurance covers before you commit to any financing, so you only finance the part you owe.

We continue to accept the same insurance plans as before, including the UFCW member dental plan, and we work with most PPO plans. See dental insurance and UFCW member plans to learn how benefits work.

How do year-end dental benefits affect my budget?

Many dental benefits renew at the end of the year, and for most plans unused benefits don’t roll over. Many insurance companies have a December 31 deadline, though some plans run on a different schedule.

If you have a flexible spending account (FSA), that money generally must be used within the plan year or grace period. FSA money can pay deductibles, copayments and certain dental expenses.

As Dr. Neff’s letter says, “our team is happy to help you use yours before then.” Call (951) 677-1054 or book a visit.

Questions & answers

Common questions