Insurance & Payments
Care without the financial guesswork.
Insurance, cash, membership, or financing - every patient deserves a clear, honest path to the dentist. Here's how we make it work.
Accepted PPO Carriers
- Delta Dental
- MetLife
- Cigna
- Guardian
- Aetna
Plus most other PPO plans. Not sure if your plan is accepted? (209) 369-3617 - we'll verify before your visit.
Every Path to Care
Four ways we make dentistry accessible.
Pick the option that fits your family. We make every one of them transparent.
Most major plans accepted.
We file claims for you and verify benefits before treatment so there are no surprises at checkout.
See accepted plansPay any way that works for you.
Cash, all major credit cards, debit, and HSA/FSA accepted. Courtesy discount for full upfront payment.
No insurance? $599/year covers it.
Two free cleanings, annual x-rays, and 15% off everything else. No deductibles, no waiting periods.
See plan detailsPay over time, with no surprises.
Low- and no-interest financing. Apply in seconds online or in office for an instant decision.
Explore financingTransparent Pricing
Know what you owe before treatment begins.
- Insurance benefits verified before your visit
- Every line item explained - no jargon
- A clear estimate before any procedure begins
- No surprise bills, ever
Financial Guidance
We're with you on the paperwork.
Our team has years of experience working with insurance providers and walking patients through their options. If a bill, benefit, or estimate ever feels confusing, bring it in - we will sort it out with you.
Common Questions
Insurance FAQs
Answers to the questions patients ask most about coverage, claims, and payment.
Does Stephen Cheung DDS accept my dental insurance?
Yes. Stephen Cheung DDS accepts most PPO dental insurance plans and helps you maximize your coverage. Call us at (209) 369-3617 and we will verify your benefits before your visit.
Will my insurance cover the full cost of treatment?
Most insurance plans cover preventive services like exams, cleanings, and X-rays in full, while restorative or cosmetic treatments may require a copay. We will walk you through what your plan covers before treatment begins.
What if I don't have dental insurance?
No problem! Dr. Stephen Cheung offers flexible payment plans, accepts CareCredit financing, and runs an in-house membership plan designed specifically for patients without insurance.
Can your office help me understand my benefits?
Absolutely. Our knowledgeable team will review your insurance plan, explain your coverage, and help you get the most value from your dental benefits every year.
Do you accept Delta Dental or MetLife?
Yes. The practice works with major insurance providers, including Delta Dental, MetLife, Cigna, Guardian, Aetna, and many others.
From the Journal
Make the most of your benefits
Dental Tips
Navigating Dental Insurance: A Patient's Guide to Maximizing Benefits
Dental insurance can be confusing with its deductibles, maximums, and coverage tiers. This guide helps you understand your plan and get the most from your benefits each year.
Dental Tips
Dental Benefits: Why Now is the Time to Act
Unused dental insurance benefits expire at the end of each year. Learn why scheduling treatment now helps you get the most from your plan and avoid losing valuable coverage.
Book Today
Verify your benefits in one call.
Tell us your insurance carrier and we'll confirm what's covered before you book - so the only thing you have to think about is your visit.