Understanding your coverage should be the easy part.
Making Sense of Your Dental Insurance in Santa Clara
Navigating dental insurance can feel overwhelming, and many patients put off care because they are unsure what their plan covers or how out-of-network benefits work. At Dr. Jayne Dentistry, our team is here to help you understand your coverage before your appointment so there are no surprises. Whether you carry a PPO plan, prefer to pay directly, or are looking for a flexible financing solution, we work to make high-quality dental care accessible to patients throughout Santa Clara and the surrounding Silicon Valley communities.
Insurance Information
Dental Insurance Plans We Work With
Dr. Jayne Dentistry is proud to be in-network with Delta Dental PPO, one of the most widely used dental insurance networks in California. For patients who carry a different PPO plan, we are happy to work with you as an out-of-network provider. Many PPO plans include out-of-network benefits, which means you may still receive meaningful coverage for your treatment even if we are not a contracted provider with your specific carrier.
Being an out-of-network provider for many plans gives us the flexibility to spend more time with each patient and focus on the care that is right for you, rather than the care that is dictated by insurance limitations. Prior to your appointment, our team will review your benefits and provide a clear breakdown of what your plan is likely to cover so you can make informed decisions about your treatment.
We currently work with patients who carry the following plans:
- Delta Dental PPO (in-network)
- Aetna Dental (out-of-network)
- Ameritas Dental (out-of-network)
- Blue Cross Blue Shield (out-of-network)
- Cigna Dental (out-of-network)
- Guardian (out-of-network)
- Humana Dental (out-of-network)
- MetLife (out-of-network)
- Principal Dental (out-of-network)
- Principal Financial Group (out-of-network)
- United Concordia (out-of-network)
- United Healthcare Dental (out-of-network)
Please note that we do not currently accept Medicaid, Medicare Advantage, TRICARE, or Veterans Affairs (VA) plans.
Payment and Financing Options
Flexible Options for Every Budget
We believe financial considerations should never stand between you and the dental care you need. For patients without dental insurance, or for treatments that fall outside of what your plan covers, Dr. Jayne Dentistry offers a range of payment and financing options to help make your care more manageable.
We accept HSA and FSA funds, which many patients find to be a convenient way to use pre-tax dollars toward dental treatment. For larger procedures such as cosmetic work, Invisalign, or implant restorations, we also offer financing through CareCredit and Cherry, two of the most widely used healthcare financing platforms. Both allow patients to spread the cost of treatment over time, making high-value dental care more accessible without requiring full payment upfront.
For patients looking for an ongoing solution that does not rely on traditional insurance, we are also in the process of introducing an in-house membership and discount plan. This plan is designed to provide patients with a straightforward, affordable alternative to dental insurance for routine and preventive care. Our team will have full details available soon, and we encourage you to ask about it when you contact the office.
Payment and Financing Options
Flexible Options for Every Budget
We believe financial considerations should never stand between you and the dental care you need. For patients without dental insurance, or for treatments that fall outside of what your plan covers, Dr. Jayne Dentistry offers a range of payment and financing options to help make your care more manageable.
We accept HSA and FSA funds, which many patients find to be a convenient way to use pre-tax dollars toward dental treatment. For larger procedures such as cosmetic work, Invisalign, or implant restorations, we also offer financing through CareCredit and Cherry, two of the most widely used healthcare financing platforms. Both allow patients to spread the cost of treatment over time, making high-value dental care more accessible without requiring full payment upfront.
For patients looking for an ongoing solution that does not rely on traditional insurance, we are also in the process of introducing an in-house membership and discount plan. This plan is designed to provide patients with a straightforward, affordable alternative to dental insurance for routine and preventive care. Our team will have full details available soon, and we encourage you to ask about it when you contact the office.
Frequently Asked Questions
Patients often have questions about how financing works and which option is right for their situation. Below are answers to a few of the most common questions we hear at Dr. Jayne Dentistry.
What does it mean that you are out-of-network with my PPO plan?
Being out-of-network simply means that Dr. Jayne Dentistry does not have a contracted fee schedule with your specific insurance carrier. However, most PPO plans still provide out-of-network benefits, which means your insurance may reimburse a portion of your treatment costs. Our team will verify your benefits ahead of time and walk you through what your plan covers so you know what to expect before any treatment begins.
Do you help patients understand their insurance benefits before treatment?
Yes. Before your appointment, we will review your coverage and provide a detailed breakdown of your estimated costs and what your insurance is likely to cover. Our goal is to make sure you have a clear picture of your financial responsibility before any work is done. We want every patient to feel confident and informed, not caught off guard.
What if I do not have dental insurance?
Patients without insurance have several options at Dr. Jayne Dentistry. We accept CareCredit, Cherry, HSA and FSA funds, and all major credit cards, as well as cash and checks. We are also developing an in-house membership plan that will offer an affordable alternative for patients who prefer not to carry traditional dental insurance. Please reach out to our Santa Clara office to learn more about what option may work best for your situation.