Financial Policy

Dental treatment is an excellent investment in an individual’s, physical and psychological well being. Our office is committed to providing you with the best health care possible. In order to achieve this goal, we need your assistance and understanding of our financial policy.

As a health care provider, we must emphasize that our relationship is with you, not with your dental or medical insurance company. You are ultimately responsible for your account. If you have dental or medical insurance, we will do our best to help you receive your maximum allowable insurance benefits—but we have no control over those benefits.

Additionally, financial considerations should not be an obstacle to obtaining important health care treatment. We recognize that not all of our patients have health or dental insurance. We are sensitive to your varying needs and financial obligations.

In order to better serve you, we have prepared several payment options to provide you with the flexibility that you deserve:


Self Pay

You are responsible for your fees at the time of service. For your convenience, we accept cash, personal checks, American Express®, Discover®, Visa® and MasterCard®.


Dental Insurance


You and your insurance company share responsibility for your fees and your portion is due at the time of service. We will submit your claim and receive payment from your insurance company for services provided. Where applicable, we will submit your claim to your medical insurance first and your dental insurance second. We will contact your insurance carrier on your behalf so that we may provide you with an estimate of the portion of your fees due at the time of service. You must realize, however, that all charges are ultimately your responsibility. Most dental and medical insurance plans do not cover all services in full. We cannot be held responsible if in fact there is no insurance coverage for the procedure(s), or if your insurance company refuses payment at a later date. Furthermore, some portion or all of your benefits may be used for the plan year.

Our office is pleased to inform you that Laguna Surgical & Cosmetic Specialists now participates with most national and regional insurance plans. If you have any questions regarding our participation with a particular insurance plan please call our office at 949-347-9990. We look forward to serving you.


Care Credit & Lending Club


As a service to our patients, we are pleased to offer Care Credit, Citi and Chase credit cards, the nation’s leading patient payment programs. With CareCredit you can finance 100% of your surgery and there are no upfront costs, no annual fees, and no pre-payment penalties. So, you can schedule your procedure today and conveniently pay with low, monthly payments.

Apply online now with Care Credit & Lending Club Care Credit, Chase and Citi offer a full range of payment plan options including:

  • No Interest Payment Plans
  • 3, 6, 12 and 18 month plan options
  • No interest if the balance is paid within the specified time period
  • Low minimum monthly payments
  • Extended Payment Plans
  • 24, 36 & 48 month plan options
  • For treatment fees from $1,000 to over $25,000 – Interest rates as low as 11.90%
  • Monthly payments as low as $76 on a $3,000 procedure fee

With Care Credit & Lending Club, you pay no application fees, no annual fees, and no pre-payment penalties. Plus, Care Credit, Chase and Citi are revolving credit lines for repeat procedures without the need to re-apply. It only takes a few minutes to apply and you may receive an online decision in seconds! Apply now or see our staff for more details. Please note: In addition to all outstanding balances the patient acknowledges and agrees to pay all reasonable collection fees and legal fees.