Financing & insurance

The carriers we work with, and how coverage gets sorted.

Eight carriers in network, direct billing where the plan supports it, and a written estimate before any treatment starts. The details, plainly.

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In network

Eight carriers accepted.

If your plan is not on the list, call the front desk — we can usually still file an out-of-network claim on your behalf and tell you exactly what to expect.

  • Blue Shield of California logo

    Blue Shield of California

  • Delta Dental logo

    Delta Dental

  • Anthem Blue Cross logo

    Anthem Blue Cross

  • Premier Access logo

    Premier Access

  • MetLife logo

    MetLife

  • Guardian logo

    Guardian

  • Liberty Dental Plan logo

    Liberty Dental Plan

  • Medi-Cal & Covered California logo

    Medi-Cal & Covered California

Medi-Cal and Covered California are two programs handled under one intake at our front desk — both are accepted.

How coverage gets sorted

From your card to a written estimate.

Same flow whether you are coming in for orthodontic treatment, a cleaning, or a TMJ consultation.

  1. 1

    Verification before the visit

    When you book, the front desk takes your carrier and plan number. We run an eligibility check before the consultation so we know what is covered before you sit in the chair.

  2. 2

    A written estimate at the consultation

    After the clinical exam, you leave with a written estimate that shows the carrier portion, your portion, and what the visit-by-visit plan would look like.

  3. 3

    Decisions made at home

    There is no same-day pressure to commit. Most patients review the estimate at home, talk it through, and call back to schedule when they are ready.

  4. 4

    Direct billing where carriers support it

    For most of the carriers below, we bill the carrier directly and you pay only your portion. For plans we cannot bill directly, we provide claim-ready paperwork you submit yourself.

What plans typically cover

A rough guide by treatment type.

Specifics vary by carrier and plan. The pattern below holds for most patients, most of the time — and we always confirm your particular benefit before treatment.

Orthodontic treatment

Most carriers contribute a lifetime orthodontic benefit toward braces or Invisalign — typically a fixed dollar amount, not a percentage of treatment. We confirm your specific benefit before the consultation.

Preventative dental

Routine cleanings, exams, x-rays, and fluoride are usually covered at or near 100% under most carriers. Frequency limits vary by plan.

Cosmetic dentistry

Whitening, bonding, and most veneer work is considered cosmetic by carriers and typically is not covered. The written estimate states this clearly before any work begins.

TMJ and complex cases

Coverage varies widely by carrier and plan — some cover splint therapy, some do not. We confirm before any treatment starts.

Paying for the visit

No surprises at checkout.

We tell you the patient portion at the consultation, in writing, before anything is started.

  • Payment is due at the time of service for any patient portion not covered by insurance.
  • We accept all major credit cards, debit cards, HSA / FSA cards, cash, and check.
  • [FILL IN: confirm whether in-house payment plans are offered for orthodontic treatment, and on what terms. Current site mentions arrangements but does not state specifics.]
  • [FILL IN: confirm whether the practice partners with any third-party financing (CareCredit or similar). If not, this line is dropped.]

Coverage questions before booking?

The front desk can run an eligibility check by phone — you will know what your plan covers before you commit to the consultation.

661-323-5910

Talk it through

  • Since 1989
  • Private treatment rooms
  • TMJ & complex cases
  • Bilingual · English / Spanish
  • Multi-generational families
Dr. Guy Mendivil, founding orthodontist

Schedule a free consultation.

Bring your insurance card. We will walk through the bite, the timeline, and what is covered before any treatment starts.

Schedule a consultation