Payment & Financing

Accessible Dental Care. Transparent Payment Options.

At Luna Dental, we believe dental care should be clear, straightforward, and accessible. Our team is committed to helping you understand your options so you can make confident decisions about your treatment and your budget. From flexible payment methods to insurance support, we aim to make every step as simple and stress-free as possible.

We Accept the Following Forms of Payment

We accept all forms of payment, with the exception of American Express at this time. If you have any questions about payment options, our team is happy to assist you.

Direct Billing to Insurance

To make your visit more convenient, we offer direct billing to most insurance providers. Our team will submit your claim electronically, so you only need to pay the portion not covered by your plan at the time of your appointment.

Patients also have the option to pay in full and be reimbursed directly by their insurance provider, which typically occurs within 24 – 48 hours.

For those using direct billing, a credit card must be securely kept on file. This allows us to process any remaining balance efficiently and helps avoid delays.

All information is stored securely in accordance with privacy and security standards.

Understanding Your Insurance Coverage

We’re happy to help you understand your insurance benefits and provide estimates before treatment whenever possible.

It’s important to note that dental insurance is a contract between you and your provider. Coverage levels, percentages, and limitations vary depending on your plan. While we assist with submitting claims, patients are responsible for any balance not covered by their insurance.

For patients using CDCP plans, any remaining balance not covered will also be the patient’s responsibility.

Your treatment recommendations are always based on your oral health needs, not insurance limitations. If you have questions, we encourage you to speak with our team before your appointment.

Our Commitment to Transparency

Before beginning any treatment, we will:

Our goal is to ensure you feel comfortable, informed, and confident in your care every step of the way.

Payment & Financing FAQs

We understand that questions around payment and insurance are common. Our team is here to guide you through your options, explain your benefits, and help you plan for your care with clarity and confidence.

How does direct billing to insurance work?

We offer direct billing to most insurance providers for your convenience. You can also choose to pay in full and be reimbursed, often within 24 – 48 hours. If you use direct billing, a credit card must be securely kept on file to process any remaining balance. While we help submit claims and provide estimates, your insurance is a contract between you and your provider, and you are responsible for understanding your coverage. Treatment is always based on your oral health needs, not insurance limitations.

Can I choose to pay first and be reimbursed by my insurance?

Absolutely. You are welcome to pay in full at your appointment and submit the claim yourself. Most insurance providers process reimbursements within 24 – 48 hours, depending on your plan.

Will you tell me what my insurance covers?

We’re happy to provide estimates and help you understand your benefits as much as possible. However, insurance coverage can vary, and details such as percentages, limits, and exclusions are determined by your provider.

What happens if my insurance doesn’t cover the full amount?

Any portion not covered by your insurance, including co-payments, deductibles, or plan limitations, is the patient’s responsibility. Our team will always aim to communicate costs clearly before treatment begins.