Dental Insurance & Affordable Financing
We know that dealing with insurance and financing can be challenging, so we're here to simplify it. Read on for the plans we accept, our out-of-network options, and the flexible financing that covers whatever your plan does not.
How It Works
We Work With Your Insurance
We're glad you're considering Dentist of Redlands for your dental care. Our team, led by Dr. Munguia, is committed to excellent dentistry — and to making the money side of it just as straightforward. Our team verifies your coverage before your visit, tells you plainly what your plan pays and what it does not, and submits the claim for you.
Dentist of Redlands is in-network with many major PPO plans and accepts most others. If we are out of network with yours, we will say so up front and show you what the visit will actually cost — no surprise balance afterwards.
Insurance Plans We Accept
Dentist of Redlands accepts most dental insurance plans, including PPO networks and union dental plans, and we see out-of-network patients too. Not sure about yours? Call (909) 335-3631 and we will check before your visit.
Out-of-Network & Uninsured
Don't See Your Plan Listed?
We'll Figure It Out Together.
Not being in-network doesn't mean you're out of options. We work with patients every day to find a path to affordable care — regardless of insurance status.
Call (909) 335-3631 Or request an appointment online →We Accept Most Dental Insurance Plans
We take most forms of dental insurance to help lower your out-of-pocket costs so you get the dental care you need every visit. Give us a call with your plan details and we will verify your benefits before your appointment.
Out-of-Network Insurance Options
Not every patient's plan is in our network, and that is not a problem — your Redlands dentist accepts out-of-network plans. A few things to know up front:
- We can see anyone out of network, as long as you know that going in.
- Fees are paid according to your out-of-network schedule.
- Those fees are payable in full at the time of treatment.
CareCredit, Sunbit & Cherry Financing
Three third-party financing options break treatment into manageable monthly payments, so a gap in your coverage never has to decide what care you get.
Pay Your Bill Online
Settle a balance from your phone or computer through our secure Balance Collect payment portal — no need to call or mail a check.
Pay your bill online →Our Partners
Our Financing Partners
We offer CareCredit, Sunbit and Cherry for manageable monthly payments, whether or not you have dental insurance.
CareCredit
A widely accepted healthcare credit card that offers a range of short- and long-term financing plans, including promotional no-interest periods for qualified applicants.
- ✓ 0% interest promotional periods
- ✓ Instant credit decisions
- ✓ No annual fee
Sunbit
Sunbit uses smart technology to approve more patients — even those with less-than-perfect credit — with fair, transparent terms.
- ✓ 85%+ approval rate
- ✓ Split into easy monthly payments
- ✓ No hidden fees or surprises
Cherry
Fast, flexible financing built for healthcare. Get approved in seconds with no hard credit pull required to apply.
- ✓ Soft credit check — no score impact
- ✓ Plans from 3 to 24 months
- ✓ 0% APR options available
It's Easy
How to Apply & Get Started
Getting started with dental financing at Dentist of Redlands is a simple, stress-free process.
- 1
Discuss Your Plan
During your consultation we review the recommended treatment and give you a clear, itemised cost breakdown — no surprises later.
- 2
Apply in Minutes
Apply on your phone or with our team in the office. Most applications return an instant decision.
- 3
Review Your Terms
We walk you through your monthly payment, term length, and any promotional interest period so you know exactly what you have agreed to.
- 4
Coordinate With Insurance
Our team applies your insurance benefits first, then finances the remaining balance, so you use every dollar of coverage available to you.
- 5
Begin Treatment
With financing in place, treatment can often begin the same day — including comprehensive work such as veneers, implants, or a full-mouth restoration.
Common Questions
Insurance & Financing FAQs
If you have questions about paying for your care, we’ve got answers.
How do I know if my insurance is accepted at Dentist of Redlands?
The best way to confirm your coverage is to call (909) 335-3631 with your insurance information ready. Our team will verify your benefits quickly and walk you through exactly what your plan covers before your appointment.
Will you bill my insurance directly?
Yes, we handle insurance billing on your behalf so you don't have to deal with the paperwork. We submit claims directly to your provider and follow up as needed to help ensure timely processing.
Do you accept out-of-network insurance?
Yes, we welcome patients with out-of-network plans. While your reimbursement rates may differ from an in-network provider, our team will still help you submit claims and get the most out of your available benefits.
Can I use insurance for cosmetic procedures?
Purely aesthetic treatments usually are not covered. But many treatments that improve how your smile looks also restore function — a crown, a veneer over a damaged tooth, orthodontics correcting a bite — and those often qualify for partial coverage. We will check your plan and tell you where you stand before you commit.
What if my insurance doesn’t cover everything?
We offer CareCredit, Sunbit and Cherry financing for manageable monthly payments, whether or not you have insurance. A gap in your coverage should not decide what care you get.
How quickly can I get approved for dental financing?
Most applications return an instant decision, so treatment can often begin as soon as you are approved. Our team can walk you through the application during your consultation.
Will financing affect my credit score?
Initial applications typically involve a soft credit inquiry, which does not affect your score; formal approval may require a standard credit check. Keeping up with the payments afterwards can help your credit profile rather than hurt it.
Can I finance cosmetic procedures like veneers?
Yes. Our financing covers both restorative and cosmetic treatment, from porcelain veneers to a full smile makeover, so you can spread the cost into monthly payments.