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(619) 283-2093

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At Toma & Petros DDS Inc., we make every effort to keep down the cost of your dental care. Below is a list of some of the major dental insurance plans honored by our practice. We participate with most major dental insurance programs; we accept all insurance as either full or partial payment toward treatment, as long as benefits are assignable.

Aetna PPO, Ameritas, BlueCross Of California, Cigna PPO, Delta Dental (DPO, PPO & Premier), Dentemax ,First Dental Heath, Humana Dental, Guardian PPO, MetLife PPO, Principal Financial Group, United Concordia, United Healthcare, and few more not listed here. With Insurances that we are not in network we will be listed as an "out of network" provider.

We will clearly list and explain all our fees before your treatment is to begin. Please remember services are subject to change; additional services may be required and patient fees may be subject to change at that time. Any additional treatment found to be required must be paid for as this treatment is carried out.

Our commitment is to provide you with the best possible care. Any time you have a question about your dental insurance, feel free to ask us. We recognize that dental insurance is becoming more complex and difficult to understand every day. We'll be happy to assist you in processing the claim, so that you will receive your optimal allowable benefits.

In order to achieve these goals, we need your assistance, and your understanding of our payment policy. We ask you to pay at each visit, unless other arrangements have been made prior to your appointment. When extensive dental care is necessary or when dental insurance is involved, financial arrangements can be made with our Office Manager Reyna and/or Financial Officer Kylie.

However, please keep in mind that:

1. Your insurance coverage is a contract between you, your employer, and the insurance company; we are not a third party to that contract.

2. Our fees are considered to fall within the acceptable range by most insurance companies. Nevertheless, some insurance companies choose to set up their arbitrary schedule of fees, which bears no relationship to current standards and cost of care in this area.

3. Not all services are covered benefits in all contracts. Some insurance companies arbitrarily select certain services they will "downgrade" or not cover. Almost all "Cosmetic Procedures"(front teeth porcelain veneers, teeth whitening, some tooth colored fillings and various gum shaping surgery) are not covered by insurance and full payment is required the day of treatment unless prior arrangements have been made.

4. Dental Implants are not normally covered by insurance, so we ask our patients to take care of the fee the day of treatment. We can bill dental insurance for the prosthetic portion (the crown) of the implant procedure, but payment in this area is not predictable. We are not able to process dental implant procedures under your medical insurance since we are a dental office.

We would like to emphasize that as a dental care provider, our relationship is with you, the patient, not your insurance company. While the filing of claims is a courtesy that we extend to our patients, all charges are your responsibility from the date the services are rendered.


The following table outlines the broad parameters of the major types of dental insurance.* Please do not hesitate to contact us if you have any questions.




Providers are indemnified or reimbursed for services.

Providers are paid on the basis of a discounted fee schedule.


The levels and coverage are defined by a contract.

Enrolled members receive services at a reduced cost when the services are delivered by a preferred provider.

Patient's freedom of choice

Patient chooses his or her own doctor; the most freedom of choice.

Patients are not locked into one dentist but pay more for care from a non-preferred provider.


May or may not be controlled by the carrier.

Less controlled than an HMO.

Cost to patient

Most expensive.

Less expensive than an indemnity plan.

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