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.
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How It Works
We Work With Your Insurance
We're glad you're considering Torrance Dental Spa for your dental care. Our team, led by Dr. Maral, 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.
Torrance Dental Spa 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
Torrance Dental Spa is proud to be in-network with many major PPO plans and most insurances. Here are some of the plans we work with.
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 (310) 316-6062 Or request an appointment online →We Accept Most Dental Insurance Plans
We take nearly every form 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 today for more information.
Out-of-Network Insurance Options
Not every patient's plan is in our network, and that is not a problem — your Torrance 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 & Our Membership Plan
CareCredit breaks treatment into manageable monthly payments, and our in-house Smile Care Membership Plan covers exams, X-rays and cleanings with 20% off all dental services.
We Handle the Paperwork
Our team submits your claims, verifies your benefits, and chases pre-authorisations on your behalf, so you can think about your treatment instead of the paperwork.
Our Partners
Our Financing Partners
We offer CareCredit for manageable monthly payments, plus an in-house membership plan for patients without dental insurance.
CareCredit
CareCredit is a healthcare credit card designed specifically for medical and dental expenses. It lets you break the cost of treatment into manageable monthly payments, so you can start care without waiting to save the full amount up front.
Apply NowSmile Care Membership Plan
Our in-house Kleer program is an excellent option for patients without dental insurance, or anyone looking for additional savings. It is designed to provide comprehensive dental care at an affordable price, so you keep your oral health on track all year round.
- ✓ Exams & X-rays: two dental exams with X-rays through the year
- ✓ Cleanings: two cleanings per year
- ✓ Discounts: 20% off all dental services
It's Easy
How to Apply & Get Started
Getting started with dental financing at Torrance Dental Spa 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.
Does Torrance Dental Spa handle insurance paperwork?
Yes. We work closely with your provider to make sure you maximize your benefits, and we handle the claim so you can focus on your treatment rather than the paperwork.
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 for manageable monthly payments, and an in-house Smile Care Membership Plan for patients without insurance — two exams with X-rays, two cleanings a year, and 20% off all dental services. 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.