Financing and Insurance

Know the cost before you agree to it

We verify your benefits before the visit and put the estimate in writing before anything is scheduled. Nothing starts before you understand what it costs.

Check My Coverage Payment Plans
Delta Dental — In Network
19 Further Plans Accepted Out of Network
See the List →
How It Works

Four steps, no surprises

The same process whether you are insured, out of network, or paying for treatment yourself.

01
We verify
Give us your plan details when you book and the front desk checks your benefits before you arrive.
02
You see the plan
Imaging, findings and options explained in plain language, with your own images on the screen.
03
A written estimate
What insurance is expected to cover, what is left, and what each stage costs. In writing, before treatment.
04
You choose how to pay
In full, or spread over time through one of six financing partners. Applications take a few minutes.
Payment Plans

Six ways to spread the cost

Apply from home or at the front desk. Approval is usually immediate, and terms come from the lender rather than from us.
Designed to approve a wide range of credit profiles, decided at the front desk in about a minute.
Apply →
Healthcare credit card with promotional interest-free periods on qualifying balances.
Apply →
Monthly payment plans with a soft credit check that does not affect your score to qualify.
Apply →
Extended-term loans suited to larger treatment plans and full-mouth work.
Apply →
Longer terms and higher limits for implants, reconstruction and staged treatment.
Apply →
Credit line aimed at elective and cosmetic treatment, with promotional financing options.
Apply →
Financing is provided by third parties. Rates, terms and approval are set by the lender, not by Smile LA. Ask the front desk which option suits your treatment plan.
What the Estimate Covers

The conversation about money happens before the treatment, not after

Most anxiety about dental work is really anxiety about the bill. So the plan you leave with is itemized: every procedure, what it does, what it costs, and what your plan is expected to pay toward it. If a case can be staged over months rather than done at once, we will tell you that too.

01
Itemized, not a single number
Each procedure priced separately, so you can see what is essential and what is elective.
02
Your estimated share, calculated
Based on the benefits we verified with your carrier, including deductible and annual maximum.
03
Sequence and timing
Which work is urgent, which can wait, and how a plan can be spread across benefit years.
04
The monthly figure, if you want one
We will run the same plan through the financing options so you can compare the payment, not just the total.
Book a Consultation Ask a Question
Insurance

Plans we accept

We are in network with Delta Dental and accept nineteen further plans out of network. Call and we will check yours before you book.

In Network

Delta Dental

In-network benefits apply, so your out-of-pocket share is usually lower and the claim is filed directly.
Check My Plan →
Also Accepted
Aetna
Aetna Dental Access
MetLife
Cigna
UnitedHealthcare
United Concordia
Blue Cross Blue Shield
Guardian Life
Humana
Ameritas
Principal Financial Group
Sun Life Financial
GEHA
Careington
Connection Dental
Dental Health Alliance
Zelis
MCNA Dental
CHIP
Plan names change and coverage varies by employer. This list is a guide, not a guarantee of benefits — call the office and we will verify your specific plan.
No Insurance

Uninsured patients get the same clarity

You get the same written estimate, the same financing options and the same plan. Ask about the cost of a first visit before you book — we will tell you over the phone.

01
Costs quoted before treatment, not after
02
Treatment staged over time where that helps
03
All six financing partners available
Ask About Costs First Visit
Next Step

Find out what your plan covers

One call to the front desk is usually enough to know where you stand before you book.

01 / Verify Benefits

(213) 635-3100

Call the Office →
02 / Book Online

Request a time

Book Appointment →
03 / Common Questions

Costs and coverage

Read the FAQs →