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A member of the Finesse Dental team going through insurance and payment options with a patient at the front desk

Finesse Dental · Rancho Cucamonga

Financial Options

Insurance, CareCredit and staged treatment — sorted out before you are in the chair.

Cost is the single most common reason people put dental work off, so we would rather have that conversation up front than at the end. This page covers how insurance works at our office, what we accept, and what to do when a treatment plan is more than you can take on at once.

  • Preferred Provider (PPO) for many dental insurance companies
  • Children’s Medicaid accepted
  • Cash, checks, most major credit cards and CareCredit
Call (909) 852-6787Book an Appointment

Call with your plan name and member ID and we will tell you whether we are in network before you book anything.

Rancho Cucamonga, Alta Loma, Upland and Ontario · caring for RC since 2004

PPO providerFor many dental insurance companies
Children’s MedicaidAccepted at our Rancho Cucamonga office
CareCredit acceptedThird-party financing for larger treatment
No surprises on the billCosts are discussed before treatment starts

Let us do the checking

Bring us the plan and we will work out where you stand

Insurance language is confusing by design. Call our front desk with your plan name and member ID and we will find out whether we are in network, what your plan covers, and roughly what your share looks like — before you commit to a thing.

Book an AppointmentMeet Dr. Moqattash
Dr. Alexander Moqattash of Finesse Dental
Dr. Alexander MoqattashDDS · New York University College of Dentistry

Ways to pay

What we accept, and how each one works

Most patients end up using more than one of these. They are not alternatives so much as pieces that fit together.

Dental insuranceWe are a Preferred Provider (PPO) for many dental insurance companies. We work with your provider to get the best coverage available to you under your plan, and our staff submits the claims rather than leaving that to you.
Children’s MedicaidAccepted for children’s care at our office. Call us with the details before your child’s appointment and we will confirm what is covered so nothing comes as a surprise.
Cash, checks and credit cardsWe accept cash, checks and most major credit cards for your portion of treatment, whether or not a plan is paying part of it.
CareCreditA separate health care credit account you apply for directly with CareCredit and repay over time. The approval decision, your credit limit and your payment terms are set by CareCredit, not by our office. It is the usual route for treatment that is larger than one month’s budget.
A cost conversation firstWe discuss all cost and payment options with you before treatment starts, so you are comfortable with the plan and your questions are answered while you can still change your mind.
Treatment in stagesWhen a full plan is more than you can take on right now, we can prioritize what matters clinically and stagger the rest to fit your budget and your timing, rather than treating it as all or nothing.

Benefits differ from plan to plan and from year to year. Call us before you book and we will check yours rather than guessing.

How dental plans work

Understanding what your plan actually does

Dental insurance is not really insurance in the way health insurance is. It is a benefit with a ceiling: the plan pays a set share of certain treatments up to an annual maximum, and once you reach that maximum you pay the rest yourself until the plan year resets.

That is why timing can matter as much as price. If you have significant treatment ahead and you are already close to your annual maximum, splitting the work across two plan years can make a real difference to what leaves your pocket. When we see that, we say so.

Being in network matters too. As a PPO provider, our fees for covered treatment are set by agreement with the plan, which generally means a lower out-of-pocket cost for you than the same treatment with an out-of-network dentist.

What to expect at your first visit

Plan terms worth knowing

  • Annual maximum — the most your plan will pay in a plan year
  • Deductible — what you pay before the plan starts contributing
  • Coinsurance — the percentage split between you and the plan
  • Waiting period — a delay some plans apply before covering major treatment
  • Frequency limits — how often cleanings or X-rays are covered
  • Pre-authorization — the plan confirming coverage before treatment begins

Plan your care

Once you know what you are working with financially, these are the pages worth reading next.

Your First VisitWhat happens at a new patient appointment, what to bring, and how the plan gets built. Cleanings & CheckupsPreventive care — usually the treatment plans cover at the highest rate. Dental EmergenciesWhen something breaks or swells and waiting for a plan year is not an option. General DentistryFillings, crowns, root canals and the everyday work that keeps teeth. Cosmetic DentistryElective treatment plans rarely cover, and how patients usually budget for it. Family DentistryAdults and children in one practice, on one schedule and often one plan.

Step by step

How we handle the money side

  1. You call us with your plan details

    Your plan name and member ID is enough to get started. It takes a few minutes and it costs nothing.

  2. We check your coverage

    Whether we are in network, what your plan covers, and what is left of your annual maximum for this plan year.

  3. You come in for an exam

    We cannot quote treatment we have not looked at. The exam is what turns a guess into a real number.

  4. We go through the plan and the cost

    What is urgent, what can wait, what your plan is likely to pay toward each item, and what your share would be.

  5. You choose how to pay

    Plan benefit, card, CareCredit, treatment staged over time, or some combination — whichever makes it workable.

  6. We submit the claims

    Our staff handles the paperwork with your provider and is available if a claim needs questioning or chasing.

Book an Appointment

Common questions

Insurance and payment questions

Do you take my dental insurance?

We are a Preferred Provider (PPO) for many dental insurance companies. Because plans vary so much, the only reliable answer is a direct check — call (909) 852-6787 with your plan name and member ID and we will confirm before you book.

Do you accept Medicaid?

We accept children’s Medicaid. Call us with the details and we will confirm what is covered for your child ahead of the appointment.

What if I do not have dental insurance at all?

Plenty of our patients do not. You will get a clear cost for treatment before it is scheduled, and you can pay by card, apply for CareCredit, or stage the work over time.

What exactly is CareCredit?

A health care credit account you apply for directly with CareCredit and use to pay for treatment, then repay over time. CareCredit sets the approval decision, the credit limit and the payment terms — our office does not. Ask us if you would like to consider it.

Will I know what it costs before treatment starts?

Yes. We discuss cost and payment options with you before your treatment plan begins. We would rather answer every question up front than have you find out on the bill.

Can I split treatment across two plan years to use two annual maximums?

Often, when it is clinically safe to wait. We will tell you which parts can be staged and which ones should not be delayed, and you make the call.

Does dental insurance cover cosmetic treatment?

Usually not. Dental plans generally cover treatment needed for health reasons, and elective cosmetic work — whitening, veneers, cosmetic bonding — is typically excluded. Some treatment sits in both camps, such as a crown that restores a damaged tooth and also improves how it looks, so it is worth asking.

My plan says a treatment is covered. Does that mean it is free?

Rarely. "Covered" usually means the plan pays a percentage of it after your deductible, up to your annual maximum, with the balance left to you. We will show you that split before you commit.

Who deals with the insurance claim — me or you?

We do. Our staff submits claims to your provider, and if you have questions about your policy or a claim that has not been paid, they can help you with it.

Can you tell me what a crown or a root canal will cost over the phone?

Not accurately, and an inaccurate number is worse than none. Two people with the same symptom often need very different treatment. What we can do over the phone is check your insurance, so the only unknown left when you arrive is the clinical side.

Before you book

Getting a number you can actually rely on

We do not quote figures over the phone for treatment we have not examined. It sounds unhelpful, but a number given blind is almost always wrong, and finding that out halfway through treatment is the worst possible moment.

What we can do before you come in is check your insurance. Call with your plan name and member ID and we will tell you whether we are in network and how your benefits look. Then the exam fills in the clinical half, and you get a cost you can plan around.

What to expect at your first visit

What a cost conversation covers

  • What treatment is recommended, and why
  • What is urgent and what can safely wait
  • What your plan is likely to pay toward it
  • What your share would be
  • Which payment routes are open to you
  • What happens clinically if you decide to wait
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Questions about cost? Talk to our Rancho Cucamonga team

Finesse Dental · 8906 San Bernardino Rd, Suite 130
Rancho Cucamonga, CA 91730
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