Financial/Insurance

FinancialInsuranceHarbor Smiles Dental and Orthodontics strives to provide you with affordable, high-quality treatment that fits your budget! Your treatment plan will include a breakdown of all applicable fees, and we will inform you of all costs before treatment is administered.

We offer a variety of payment options to meet your needs. Our office accepts payments by cash, checks, and Visa and MasterCard credit cards.

We also extend discounts to patients with multiple family members undergoing treatment and patients who pay in full.

Affordable Financing Options

Don’t let finances stand in your way of achieving the beautiful, healthy smile you deserve! We are pleased to offer in-house financing options and third-party financing through CareCredit, with a $0 down payment and low monthly payments that will make your treatment more affordable. These flexible payment options allow you to pay for your treatment over a period of time so you can focus on what matters most – keeping your smile healthy!

Dental Insurance Policy

Our office is committed to helping you maximize your insurance benefits, and we are “in-network” for all major PPOs, HMOs, Healthy Smiles PPO and Denti-Cal insurance plans. Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts. Your estimated patient portion must be paid at the time of service.

As a service to our patients, we will bill insurance companies for services and allow them 45 days to render payment. After 60 days, you are responsible for the entire balance, paid-in-full.

Orthodontic Insurance Policy

If your insurance covers orthodontic treatment, you will receive the benefit of reduced personal costs. Many insurance policies have a lifetime orthodontic benefit that is distinct from regular dental insurance. Insurance policies vary, so we will review your insurance to determine the appropriate course of action.

Once treatment has started, we will file your claims. To help us with your insurance filing, please complete the insurance questions on our questionnaire.

Please remember that orthodontic insurance is a benefit for you or your child. If, during the course of treatment, your benefits change, the financially responsible party is accountable for all charges.

If you have any questions, our courteous staff is always available to answer them.