Dental Insurance & Financing in Oxnard, CA

We believe outstanding dental care should be within reach for everyone. That's why we work with your insurance and offer flexible financing options, with monthly plans at rates as low as 0%, that make treatment affordable and stress-free.

Dr. Ntekim and a dental assistant at the Seren Advanced Dentistry Oxnard front desk

We Work with Your Insurance

Seren Advanced Dentistry Oxnard accepts most major dental insurance benefits to reduce your out-of-pocket costs and help you maintain a healthy smile for life. Our office works with a wide variety of providers, including Guardian, GEHA, Cigna, Delta Dental, and many others. Our experienced team is committed to maximizing your benefits and minimizing your expenses. If you don’t see your insurance listed, please contact us — we will verify your coverage and answer any questions to ensure quality dental care remains accessible to you.

Insurance Plans We Accept

Seren Advanced Dentistry Oxnard is proud to be in-network with many major PPO plans. Here are some of the plans we work with — and we welcome out-of-network benefits, too.

Delta Dental
Cigna
Guardian
GEHA
+ And many more

No Insurance? We Make It Easy

At Seren Advanced Dentistry Oxnard, we understand that dental care can be a significant investment. Many of our patients don't have dental insurance, or have a balance left after their benefits, and choose to spread the cost into affordable monthly payments. We've partnered with top financing providers so quality care stays accessible and stress-free.

Benefits of Dental Financing with Seren Advanced Dentistry Oxnard

  • Low interest rates

    Competitive, low-interest plans make it easier to manage your budget.

  • Affordable monthly payments

    Spread the cost of your dental care into manageable monthly payments.

  • No hard credit check

    Many options use only a soft credit check, so applying won't hurt your score.

  • Get the care you need

    Move forward with recommended treatment now and pay over time, without delay.

Our Dental Financing Partners

We offer monthly payment plans through trusted partners, many at 0% or very low interest, so you can schedule treatment right when you need it.

CareCredit

CareCredit provides a variety of payment options that can be used for managing the cost of numerous procedures, including healthcare costs that aren't related to dental services. Most of our patients use CareCredit to finance cosmetic care that is not covered by insurance or the portion of their restorative treatment left after insurance.

  • Low- or 0% interest plans available
  • Apply in our office or online — approval is usually immediate
  • Schedule treatment as early as the same day
Ask About CareCredit

LendingClub

Like CareCredit, LendingClub can be used to cover any dental service, whether it's medically necessary, restorative, or related to elective cosmetic treatments. LendingClub also offers low monthly payment options and little to no interest on their loans.

  • Covers any dental service
  • Low monthly payment options
  • A credit report may not even be necessary
Ask About LendingClub

Insurance & Financing FAQs

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What if I’m out of network?

Even if we are out-of-network with your insurance, we will work with your insurance to reduce care costs. Although many insurance plans may restrict in-network benefits to certain providers, you can normally use your plan at out-of-network dentist’s offices as long as you pay the difference in the coverage and treatment fee.

To help you better make decisions and understand your care, Seren Advanced Dentistry Oxnard will always print an itemized treatment plan that lists all fees and procedures included, along with your estimated insurance benefits and patient portion. That way, you know exactly what to expect prior to scheduling any treatment. Additionally, you can always choose to finance all or a portion of your procedure when necessary.

How much does my dental insurance cover?

Every patient at Seren Advanced Dentistry Oxnard will receive a detailed treatment care plan with an itemized insurance estimate included. That way, if you’re planning to get a filling, crown, implant, or other procedure, you can see what your insurance is expected to cover compared to the total treatment price. When possible, our Oxnard dentist will also offer alternative treatments worth considering so that you can compare them to one another and budget accordingly.

What about if I don’t have dental insurance?

Many of our patients do not have dental insurance and choose to finance their dental treatment. They are able to make affordable, low monthly payments instead of enrolling in a separate insurance plan. Talk with one of our team members today to find out if you need dental health insurance, other options available to finance all of your dental treatment if you don’t have insurance, and how affordable payment options work.

Can I use my dental insurance in conjunction with a financing plan?

Absolutely! We’ll work with your insurance to maximize your benefits, and any remaining balance can be financed with our in-house plans or through a third-party provider.

How can I apply dental financing?

Applying for financing with our partners is quick and easy. Here’s how you can get started:

  • Consultation: Schedule an appointment with our team to discuss your dental needs and treatment plan.
  • Estimate: We’ll provide a detailed cost estimate for your proposed treatment.
  • Application: Choose a financing option that suits you best and complete the application process online or in the office.
  • Approval: Once approved, you can begin your dental treatment right away with manageable monthly payments.
Why choose financing?

Financing your dental care offers several benefits:

  • Immediate Access to Care: Start your treatments without delay, addressing dental issues promptly.
  • Budget-Friendly Payments: Spread the cost of your dental procedures over time with affordable monthly payments.
  • Comprehensive Care: Get the full range of dental services you need, from preventive care to cosmetic and restorative treatments.

Quality Care That Fits Your Budget

We're in-network with many major PPO plans, file your claims for you, and offer flexible financing for any balance. Book your visit and we'll walk you through every option.

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