Insurance & financing
Insurance and financing, explained plainly
We will work with you financially to make great dental health and a beautiful smile a reality. Here is exactly which plans we are in network with, how out-of-network plans work, and how CareCredit fits in.
In-network dental plans
These are the plans Regency Dental Group currently participates with. We confirm participation regularly, but plans do change; please call to verify before your visit.
- Delta Dental of California (Premier)
- Cigna PPO
- MetLife PPO
- Dental Benefit Providers
Not on the list?
Most PPO plans pay out-of-network benefits, and many patients find the difference small. We do not make blanket claims about "accepting all insurance" because it is not true of any dental office. Call us with your plan name and group number and we will tell you exactly how it works here.
Financing with CareCredit
CareCredit offers low minimum monthly payment plans for treatment not covered by insurance. All financial arrangements are pre-approved with our financial coordinators before treatment begins.
Apply online
CareCredit approval and terms are set by CareCredit. You can apply before your visit or from our office.
Promotional periods
Deferred-interest promotions may be available on qualifying purchases. Read the terms carefully; interest applies if the balance is not paid in full within the promotional period.
Pre-approval required
All financial arrangements are pre-approved with our financial coordinators before treatment begins.
How billing works here
- We verify first. Before your visit our front office confirms your eligibility, deductible, annual maximum and coverage percentages.
- You get a written estimate. For anything beyond preventive care, you see the estimated fee and your estimated share before we begin.
- We file the claim. We submit claims to your carrier on your behalf and follow up on them.
- You pay your estimated portion at the visit. If the carrier pays more or less than estimated, we reconcile the difference with you.
Insurance benefits are determined by your carrier and your specific plan. Estimates are made in good faith from the information the carrier provides and are not a guarantee of payment.
Insurance questions
Do you accept my insurance?
We are in network with Delta Dental of California (Premier), Cigna PPO, MetLife PPO, Dental Benefit Providers. Most other PPO plans can be used out of network, which often means a similar benefit with a slightly different reimbursement. Call (707) 453-1776 with your plan name and we will check.
Do you take Medi-Cal Dental (Denti-Cal)?
Please call our office to ask about current participation; plan participation can change and we would rather tell you directly than publish something out of date.
What does "in network" actually mean?
It means we have a contract with the carrier that sets our fees for covered services. Out of network, the carrier still pays a benefit in most PPO plans, but the fee schedule and your share may differ.
Will you tell me what I owe before treatment?
Yes. For anything beyond preventive care we provide a written estimate based on your verified benefits. Estimates are estimates; final benefits are determined by your carrier when the claim is processed.
What is CareCredit?
CareCredit is a healthcare credit card that offers promotional financing for treatment not covered by insurance. Approval and terms are set by CareCredit, not our office.
Do you offer payment plans?
All financial arrangements are pre-approved with our financial coordinators before treatment. CareCredit is our primary financing option; call us to discuss your situation.
Ready to book? We are accepting new patients.
Call (707) 453-1776 or request an appointment online. Our front office will verify your insurance and find a time that fits, Monday through Thursday.