Insurance & financing
One quote, with both insurances checked
Oral surgery can fall under dental insurance, medical insurance, or both. We check each plan before your surgery, put your share in one written quote, and offer ways to spread the cost.
In network
Dental plans we accept
We’re in network with these carriers at all 23 offices. Out of network? We’ll still file your claim and estimate your share in writing.
- Delta Dental of California
- Cigna
- Aetna
- MetLife
- Guardian
- United Concordia
- Ameritas
- Principal
- Humana
- Anthem Blue Cross
- Blue Shield of California
- GEHA
- UnitedHealthcare
- Sun Life
Don’t see your plan? Most PPO plans pay toward oral surgery out of network. Check your coverage.
Medical insurance
We bill medical plans for corrective jaw surgery, facial trauma, biopsies and pathology, and sleep apnea surgery.
Denti-Cal (Medi-Cal Dental)
Accepted at select offices for patients under 21. Call your office to confirm before booking.
HMO and DMO plans
We don’t contract with dental HMO or DMO plans. Some allow a specialist referral; we’re happy to check yours.
Dental or medical?
How oral surgery gets billed
Oral surgeons treat the mouth, jaws and face, so your care can fall under either kind of insurance. Here is how it usually works.
- 01
Dental insurance
Usually covers extractions, wisdom teeth, bone grafts and part of an implant, up to your plan’s annual maximum, often $1,000 to $2,000.
- 02
Medical insurance
Usually covers corrective jaw surgery, facial fractures, biopsies, pathology and sleep apnea surgery, subject to your deductible.
- 03
Sometimes both
Imaging, anesthesia, or a wisdom tooth with a cyst may be billed to medical first and dental second. We coordinate the claims.
- 04
Pre-authorization
For jaw surgery and larger implant cases, we request approval before scheduling. It typically takes two to six weeks.
- 05
Your written quote
Shows what each plan is expected to pay and your share. If an estimate changes after the insurer replies, we tell you before surgery.
Free benefits check
Check your coverage
Send us your plan details and we’ll reply within one business day with what your plans are likely to cover and what to expect to pay.
- Remaining annual maximum and deductible
- Coverage for extractions, grafts, implants and anesthesia
- Whether your procedure should go to medical insurance
- Waiting periods or pre-authorization needs
Financing
Pay over time, your way
Every option is in your written quote, so you can compare before you decide. HSA and FSA cards work for eligible surgery, anesthesia and imaging.
0% in-house plans
Spread treatment over up to 12 months at 0% interest, with a modest deposit. No credit check.
CareCredit
A healthcare credit card with 6–24 month promotional financing for qualified applicants.
Sunbit
A quick, soft-pull application with a decision in about 30 seconds. Monthly plans from 3 to 72 months.
Proceed Finance
Long-term financing designed for full-arch and larger implant treatment, with fixed monthly payments.
HSA & FSA
Health savings and flexible spending cards work for eligible surgery, anesthesia and imaging.
Example
A single implant with a 0% in-house plan
An implant, abutment and crown from $3,900. If your dental plan pays $1,500, you’d owe $2,400, or about $200 a month for 12 months, with no interest and no credit check.
Billing questions
Does dental or medical insurance pay for oral surgery?
It depends on the procedure. Wisdom teeth, extractions, implants and grafts are usually billed to dental insurance. Corrective jaw surgery, facial trauma, biopsies and sleep apnea surgery are usually billed to medical insurance. Some care, such as infected wisdom teeth or anesthesia, can involve both. We check your dental and medical plans before treatment and show the expected payments on one written estimate.
Will I know the full cost before surgery?
Yes. Before anything is scheduled, you receive one written estimate that includes imaging, anesthesia, the procedure itself and follow-up visits. We verify your dental and medical benefits first, so the estimate shows what your plans are expected to pay and what your share is likely to be. If anything changes during treatment, we explain it before going ahead.
Which insurance plans do you accept?
We are in network with most dental PPO plans, including Delta Dental of California, Cigna, Aetna, MetLife, Guardian, United Concordia, Ameritas, Principal, Humana, Anthem Blue Cross, Blue Shield of California and GEHA. We bill medical insurance for jaw surgery, trauma, pathology and sleep apnea surgery. If your plan isn't listed, call us and we'll check it for you.
Do you offer financing or payment plans?
Yes. We offer 0% in-house payment plans of up to 12 months, and we work with CareCredit and Sunbit. For full-arch implant treatment, Proceed Finance offers longer terms. HSA and FSA cards are accepted for most procedures. Our team can walk you through the options when you receive your quote.
Do you accept Denti-Cal (Medi-Cal Dental)?
Denti-Cal is accepted for patients under 21 at select Molly offices. Call your nearest office and we'll confirm whether it participates and which procedures are covered. Children with cleft-related needs may also qualify for California Children's Services (CCS).
A calm first step.
Book a consultation online in about a minute. You’ll meet your surgeon, see your scan, and leave with one written quote before anything is scheduled.