Financial Options

We want to help you receive the dental care you deserve. We discuss all cost and payment options with you to make sure you are comfortable with your treatment plan and to answer any questions you have prior to the start treatment. You will never have surprises when it comes to your bill. 

Dental Insurance

We accept most insurance plans. We also accept payment from most PPO and indemnity plans. Please call our office at (858) 277-5737 and to ask any questions you may have.

Popular Payment Options

We accept all major credit cards, ATM cards, cash, personal checks and care credit. For our patients’ convenience, we have arranged a payment plan through a third party that helps our patients receive their treatment in a timely manner.


Dental Health Savings Program

The Dental Health Savings Program at Spectrum Dental is not dental insurance, and it cannot be used in conjunction with dental insurance, dental care financing, or any other discount offers.

Benefits of our Dental Health Savings Plan

  • No monthly premiums

  • No claim forms

  • No treatment denials

  • No pre-existing condition limitations

  • No decutibles

  • No waiting period

  • No pre-authorization requirements

  • No yearly maximum

Child Membership

From Age 1-13

$275 per year

2 Exams

1 Emergency Exam

2 Cleanings

2 Fluoride Treatments

2 Periodontal Screenings

1 Set of Bitewings

1 FMX or Pano (1 every 3 years)

20% Off Additional Treatments

Adult Membership

From Age 14 and Up (1+ Members)

$325 per year

2 Exams

1 Emergency Exam

2 Cleanings

2 Fluoride Treatments

2 Laser Infection Controls

2 Cancer Screenings

2 Periodontal Screenings

1 Set of Bitewings

1 FMX or Pano (1 every 3 years)

20% Off Additional Treatments

PerioClub Membership

From Age 1 and Up

$450 per year

2 Exams

1 Emergency Exam

2 Cleanings

2 Fluoride Treatments

2 Laser Infection Controls

2 Cancer Screenings

2 Periodontal Screenings

1 FMX or Pano (1 every 3 years)

Additional X-rays as Needed

20% Off Additional Treatments

Membership Details

  • The annual membership fee is based on the program level. Contact our office for details.

  • If the membership lapses after one year, there will be a $50 reinstatement fee after thirty days.

  • Refunds cannot be issued at any time if the member does not use the services included in the Dental Health Savings Program.

  • Membership is non-transferable.

  • For additional dental services, payment is due at the time of service, unless other arrangements are made.

Program Exclusions

The Dental Health Savings Program is only valid at Spectrum Dental. It cannot be used or transferred to any other dental office. The program does NOT include coverage for:

  • Services for injuries covered by Workers’ Compensation

  • Dental care costs that are covered under an automobile medical policy

  • Referrals to specialists

  • Hospitalization or charges of any kind at any other dental office.