Financial and Insurance


It is our mission to provide you with affordable, high quality treatment that fits your budget! Your treatment plan will include a breakdown of all applicable fee’s and we will inform you of all costs before treatment is administered. We offer a variety of payment options to meet your needs including Care Credit which offers patients 12 months of no interest. Ask front office for details.


Ugarte family dentistry accepts many dental insurance plans including all ppo plans. Below is a list of major dental insurance we accept. In addition to all PPO plans listed below, We also accept many other dental insurance plans as well as Medi-Cal.

Aetna, American Life General, Ameritas life insurance, Assurant employee benefits, Blue cross blue shield, Cigna, All Delta dentals such as Ca, Kentucky, Colorado, etc. Dental Benefit Providers, Dentical, Employees Choice, Health Net, Healthy Famalies, Humana dental, Guardian, Lincoln Financial Group, Metlife, Premier Access, Principal Life Insurance, Reliance Standard, Sun Life and Health Insurance, United Concordia, United Health Care.


If you do not see your insurance on this list it is best advised to call our office and they can verbally verify if your insurance is accepted as we try and update this list as much as possible.