Insurance and Financing

Dental Insurance and Financing Options

Our goal is to provide you with exceptional dental care and we are happy to discuss all professional fees and financing available to our patients.  We are committed to provide you with a pleasant patient experience and want to ensure you understand our payment, insurance and finance policies.

For all appointments, payment is due in full on the day of service. Our fees are based on the quality of the materials we use and our experience in performing your treatments. To facilitate our goals, we have outlined our payment, insurance and financing information for you.

We accept payment in the form of cash, local checks (with a bank guarantee card), Visa, MasterCard, Discover and American Express.


At Sedation and implant Dentistry Irvine we are pleased to be an in-network provider for several insurance companies. Our office team will work with you and your insurance provider to help you receive the maximum allowable benefits.

Co-payments are due the day of your visit. We will remain in constant contact with your insurance company to determine your benefit reimbursement and any remaining balance is the patient’s responsibility.

In Irvine, we accept most PPO dental insurance and we are constantly adding new companies. We have compiled a list of insurance providers we accept (subject to change without notice). If your insurance provider is not listed below, give us a call. We welcome the opportunity to work with new companies and we will give your insurance a call. We are happy to explore all insurance options available to meet the needs of our patients.

We Accept the Following Insurance

  • Access Dental
  • Aetna
  • Ameritas
  • Anthem Blue Cross
  • Assurant
  • Blue Shield P
  • Careington
  • Cigna
  • Connection
  • Delta
  • Dentemax
  • Guardian
  • Healthnet
  • Humana
  • MetLife
  • Laborers
  • Liberty
  • Pacific Union
  • Pacificare
  • Premier Access
  • Principal Financial
  • SunLife Financial
  • United Concordia
  • United Healthcare

Patient Financing

We realize some insurance benefits can be limited and may not cover all dental procedures. For your convenience, we offer convenient and flexible financing through our credit partner. You can apply online, ahead of your scheduled appointment and get pre-approved within minutes.

CareCredit Health and Wellness Credit Card      CareCredit Logo copy

Think of CareCredit as your own health and wellness credit card.  Whether it’s oral surgery, getting a crown or a general check up, you shouldn’t have to worry about how to get the procedures you want. That’s why we’re pleased to accept the CareCredit health and wellness credit card.  CareCredit lets you say “Yes” to recommended surgical and non-surgical dental procedures, and pay for them in convenient monthly payments that fit your financial situation.

CareCredit is a healthcare credit card that helps you pay for treatments and procedures for you or your family that may not be covered by insurance. With special financing options* You can use your CareCredit card again and again for your dental needs, as well as at 195,000 other healthcare providers.

It’s free and easy to apply and you’ll receive a decision immediately.  If you’re approved, you can schedule your procedures even before you receive your card.  With more than 21 million accounts opened since CareCredit began nearly 30 years ago, they are the trusted source for healthcare credit cards.

CareCredit provides a credit card for health care costs with interest free payment plans up to 18 months. For your convenience you can apply online prior to your appointment. Applications are also available in our office.


Wells Fargo Health Advantage           Wells Fargo 300 x 102

Wells Fargo Health Advantage credit card provides budget flexibility for healthcare expenses. They offer special terms promotions and a competitive interest rates.

Benefits include:

    • Special financing plans allowing you to pay over time
    • Easy-to-understand monthly statements
    • Online account management and payment options
    • Revolving line of credit that you can use over and over again
    • Competitive Annual Percentage Rate (APR)
Lending Club 

Lending Club has cut the cost and complexities of traditional bank loans and pass the savings on to borrowers.


  • Easy online application
  • Low fixed rates
  • Fixed monthly payments
  • Flexible terms
  • No prepayment penalties
  • No hidden fees
  • Friendly service
How it works:
  1. Check your rate – it’s fast and free
  2. Choose your offer, if given
  3. Fast funding directly to your bank account
  4. Convenient, automated fixed monthly payments
  5. Prepay anytime with no fees


For more information about your financial options, please contact our office at (949) 727-0777. Our knowledgeable office staff is prepared to answer any questions you may have regarding financing.

Discover why so many people come see Dr. Gonzales to get their Dental Implants in Irvine



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