Financing & Insurance

Payment Options

Payment Options

Financial options that keep care within reach.

We believe that financial barriers should not stand in the way of receiving the dental care you need. At A+ Family Dentistry, we are here to help you work out a financial solution and answer any questions you may have.

Financing Offer

12 Months No Interest OAC

Available through CareCredit and LendingClub for qualifying patients.

Insurance Notice

Medi-Cal and Denti-Cal are not accepted.

A+ Family Dentistry is not a Medi-Cal provider and does not participate in the Medi-Cal dental program, also known as Denti-Cal. Please contact our office if you have questions about other insurance, financing, or cash-pay options.

Payment Options For All

Flexible ways to pay for dental care.

The A+ Family Dentistry team understands that dental care can be a significant expense, and we strive to make it as accessible and affordable as possible for all our patients. Whether you have dental insurance, need financing options, or prefer to pay out-of-pocket, our team will work with you to find a payment plan that meets your needs.

We believe that everyone deserves access to high-quality dental care, and we are committed to making that a reality for all our patients.

Insurance

We understand that navigating the complexities of insurance coverage can be overwhelming, which is why we are here to guide you through the process. Our experienced staff will work with your insurance provider to ensure that you receive the maximum coverage allowed under your plan.

A+ Family Dentistry welcomes a comprehensive range of insurance plans, ensuring that patients can receive exceptional dental care with the convenience and coverage they deserve.

Major insurance options include United Concordia, Guardian, Humana, GEHA, MetLife, Cigna, Anthem, and more. To learn more about the carriers we accept at our San Diego, Poway, and Sorrento Valley offices, contact our office today.

Dental Benefits Plan

If you do not have dental insurance, you can take advantage of our in-house dental benefits plan to help make your money go further and get you the care you need.

Preventive care support
Discounts on additional services
No deductibles
No annual maximum

Learn More About The Plan

Financing Plans

Low monthly payment options.

Financing options are available through CareCredit, LendingClub, and Sunbit. Whether you need to finance a major procedure or simply want to spread out the cost of your regular cleanings and checkups, we have options to fit your budget.

Through these financing partners, we offer flexible payment plans with low monthly payments, no upfront costs, and no annual fees.

CareCredit

CareCredit is the country's leading healthcare financing program. It offers financing ranging from $300 to $25,000 with low minimum monthly payments, including 0% interest financing for up to 12 months or low-interest financing from 24 to 60 months.

Pay no annual fees
Start treatment and care immediately, and pay over time
Pay for deductibles and treatment not covered by insurance
Pay for other medical expenses for you and your family without having to reapply

To fill out an online application, go to www.carecredit.com. You will receive a decision right away.

Apply Now

LendingClub

LendingClub Patient Solutions offers flexible payment plans.

No upfront payments
No prepayment penalty
Patient-friendly, no-interest plans with no retroactive interest
Plans with low fixed rates and low monthly payments that never change over the life of the loan

It's easy to calculate your projected monthly payments. Just complete a short application, which displays fixed rates and monthly payments for Extended Plans. This will not impact your credit score.

Apply Now

Citi Health Card

Sunbit offers treatment financing with manageable, flexible monthly payments.

85% of dental patients approved
No late fees or application fees for patients
Get paid right away with funds deposited to you promptly
No awkward conversations. No hassle at the time of payment. Just more great experiences for everyone

Visit this page for more information and to apply.

Apply Now

Ready For Care

Your Next Visit Starts Here

Simple steps before your appointment

After you explore your options, our team makes the next step feel clear. From forms and financing conversations to appointment timing, we'll help you understand what comes next before you arrive.

Request Appointment Patient Info

Patient Forms
Save time before your visit with simple new-patient paperwork and a team ready to help you prepare.
Flexible Options
Talk through insurance, membership plans, and financing choices before moving forward with care.
Clear Scheduling
Choose the office and appointment time that works best, then arrive knowing what to expect.

Reviews

From the patients who know us best.

We're proud of the relationships we build — here's what our San Diego, Sorrento Valley, and Poway patients are saying.

"A+ dentistry has been awesome! I hadn't been to the dentist in over a year, so they took a full scan of my mouth and explained in detail every step I should take to improve my hygiene and any procedures they recommended. They were transparent on each service and did not try to sell me anything."

— Jason

"10/10. The best dentist I've ever been to, and I've been to quite a few considering I move around a lot. Dr. Victor, Jahaida, and staff are very kind. They take pretty good care of you."

— Mailani F.

"I've been coming to A+ for years for cleanings, fillings, and Invisalign. Everyone has been amazing, from the dental hygienists to dental assistants, the doctors and the front desk staff."

— Taylor C.

"Was recommended by a friend and it was the best recommendation to date! Dr. Justine and assistants were all so kind. They spoke about costs upfront and earned my trust with their transparency."

— Marrisa

"I cannot recommend this place enough. Went here for a 2nd opinion. Their office was so nice, clean, and well equipped. The staff is amazing — they made me feel so comfortable."

— Michelle O.

"If you're looking for the best, you found it. I feel very lucky that my wife and I found this practice. They have an amazing staff and the latest and greatest technology."

— Bryan G.