Financial Policy

Thank you for selecting our office as your dental healthcare provider. We are committed to provide you with the most comprehensive state of the art dental care for a fair fee. We feel that an important aspect of your dental treatment is for you to understand our financial policies and your financial obligation. The following is our Financial Policy, which we require you to read and understand prior to any treatment.

Dental Insurance

Your dental insurance policy is a contract between the patient and the insurance company, we are not a party to the contract. Please be aware that insurance companies are in business to make a profit not necessarily to look out for your best interest. For the convenience of our patients we would be happy to submit the insurance for you, however, we do ask for your estimated portion of the payment at time of service. Please be aware that some of the services provided to you may not be covered by your specific insurance policy. You will still be responsible for any uncovered services provided. If your insurance company has not paid your account within 45 days, the balance is your responsibility.

Credit & Financing

At South Coast Dental Group, we also offer outside financing such as CareCredit. These programs allow our patients to pay in full for their dental services at time of service.  Please see below for more information regarding CareCredit and how to apply online. 

We also accept Cash, Check, MasterCard, Visa, Discover, American Express, and Debit Cards.

Minor Patients

The adult accompanying a minor and the parents (or guardians of the minor) are responsible for full payment at the time of service. For unaccompanied minors, non-emergency treatment will be denied unless charges have been preauthorized and payment at time of service has been pre-arranged.

Missed Appointments

Unless cancelled at least 48 hours in advance, our policy is to charge for missed appointments at the rate of a normal office visit. Please help us serve you better by keeping your appointments.

Pre-Pay Discount Policy

A 3% discount will apply on all cash and check payment on or before date of service for all treatment with and without insurance as long as patient portion is paid in full at time of service.


Senior Citizens age 65 and over, Active Military, Clergymen, and Sisters receive a 10% discount.


We reserve the right to charge interest in the amount of 12% annum as provided by state law.


As a service to our patients, we are pleased to offer the CareCreditcard, the nation’s leading patient payment program. With CareCredit you can finance 100% of your dental care and there are no upfront costs, no annual fees, and no pre-payment penalties. So, you can begin your treatment today and conveniently pay with low, monthly payments.

CareCredit offers a full range of payment plans so you can find one that works best for you. With the popular No Interest Payment Plans* there are no interest charges if you pay your balance in full within the specified time period. Monthly payments can be as low as 3% of your balance. For procedure fees from $1,500 to $25,000, CareCredit offers 24, 36, or 48 month plan options with low monthly payments available.

CareCredit - Apply NowCareCredit can be used by the whole family for ongoing treatment without having to reapply. And by using CareCredit for your dental care, you can save your other credit cards for household or unplanned expenses. It only takes a few minutes to apply for CareCredit and you’ll receive an online decision in seconds! Apply Now or see our staff for more details.

* terms and conditions

No Interest Payment Plans

  • 3, 6, & 12 month plan options [Click for Details]
  • 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 [Click for Details]
  • For procedure fees from $1,500 to over $25,000
  • 14.90% interest rate
  • Monthly payments as low as $41 for a $1,500 fee balance