Insurance & Payment Options in San Diego, CA
We believe quality dental care should be easy to access and easy to afford. At Smile Arc Dental Group in 4S Ranch, San Diego, we’re in network with many major PPO dental plans, our team handles the insurance paperwork for you, and we offer flexible financing for those without coverage. Here’s how we make payment simple.
Your Insurance Is Welcome Here
We’re in network with many major PPO dental plans, and our team handles the insurance legwork for you.
PPO plans we’re in network with:
Aetna PPO · Ameritas · Careington · Cigna PPO · Delta Dental PPO · Dentemax · GEHA · Guardian · Humana · Liberty Dental · Lincoln Financial · Lineco · MetLife · Mutual of Omaha · Premier Access · Principal · Southwest Services · Sun Life (formerly Assurant) · TDA PPO · UMR · United Concordia · United Healthcare PPO · UNUM
Because insurance participation can change, our accepted plans may be updated from time to time. Don’t see your plan? Call us at (858) 277-8084 - we’re happy to confirm your benefits and answer any questions.
How Your Insurance Works With Us
Before your visit, we’ll contact your insurance provider and do our best to give you an estimated out-of-pocket cost (estimates aren’t a guarantee of coverage, and the estimated portion is due at the time of the visit).
As a courtesy, our team submits all insurance claims on your behalf. Once your insurance processes the claim, any remaining balance is billed to you. Dental insurance helps reduce the cost of care, but the patient remains responsible for charges regardless of coverage.
No Insurance? Flexible Financing.
You don’t need dental insurance to get great care. We offer flexible financing options designed to make care more manageable for families - use financing on its own, or combine it with insurance to cover deductibles, co-pays, or treatment not fully covered.
Financing can be applied across a wide range of services, from exams and cleanings to fillings, crowns, and other recommended treatment. We also accept most major credit cards.
Understanding the Cost of Dental Care
We believe in transparency. Whenever you’re considering treatment, we’ll walk you through the recommended care, your estimated costs, and how insurance and financing apply - before anything begins. Our goal is simple: no surprises, and a plan that fits your family’s budget. Have a question about a specific treatment’s cost? Just ask.
Schedule Your Visit in San Diego
Quality care that’s easy to afford starts here. Call Smile Arc Dental Group at (858) 277-8084 or request an appointment online. Se habla español. Conveniently located in 4S Ranch, serving Rancho Bernardo, Rancho Peñasquitos, Poway, and North County San Diego.
Frequently Asked Questions
Do you take my dental insurance?
We’re in network with many major PPO plans (listed above) and work with many others. If you don’t see your plan, call us at (858) 277-8084 - we’ll gladly verify your benefits.
Do you offer payment plans if I don't have insurance?
Yes. We offer flexible financing options so you can spread out the cost of care, and we accept most major credit cards. We’ll help you find an approach that works for your budget.
Will you file my insurance claim for me?
Yes - as a courtesy, our team submits your insurance claims on your behalf, so you don’t have to deal with the paperwork.
How will I know what I owe before treatment?
We contact your insurer ahead of time and provide an estimate of your out-of-pocket cost. We review it with you before treatment so there are no surprises.
Where is your office located?
At 17085 Camino San Bernardo, Suite 200, San Diego, CA 92127 - in 4S Ranch, convenient to Rancho Bernardo, Rancho Peñasquitos, and Poway.
