As dentists, we believe that we have a sacred duty to always provide treatment that we believe is consistent with your needs. We will never recommend a treatment that won’t adequately treat your oral health, just because it’s cheaper or because it’s what your insurance company may recommend. Instead, we want to make sure that every one of our patients leaves our office having received a level of dental care that we can be proud of.

Making Quality Dental Care Affordable

Although we will never deliver less than top quality care, we will also not overcharge for treatments. We work hard to control costs in order to ensure that our fees are reasonable for the quality of dental care we provide.

In addition, we offer many payment options that can make it easier for you to pay for your dental care.

Pre-Payment in Full

If you are able to make pre-payment in full with cash, check, or credit card, we offer a 5% Bookkeeping Courtesy discount.

Pre-Authorized Credit Card Agreement

We can also set up an easy monthly payment schedule. If you wish, you can authorize a certain amount to be charged to your MASTERCARD or VISA each month until the full balance is paid. This allows you to make monthly payments without having to apply for additional credit.

Three Payment Schedule

For fees over $1000.00, we can divide your fees into three payments. The first payment, for 50% of the total balance, is due your first treatment visit. The other 50% is divided evenly between two payments, due 30 and 60 days after your first treatment appointment.

Pay as You Go

We also allow you to pay for your obligation at each visit. Payment via cash, check, or credit card is accepted.

Gradual Treatment Plan

If you are on a limited budget, and it’s appropriate to the treatment you need, we can divide your treatment up over several months or even years, creating a pay-as-you-go plan that fits in your budget.


CareCredit is a medical financing company that offers payment plans that are interest free for up to 12 months. Payments are low. If you have good credit, we can often get approval by phone so you know right away that your treatment costs are covered.
CareCredit Irvine Dental Payment Options

Alphaeon Credit

Alphaeon Credit is a special credit card that you can use only for certain medical procedures, including dentistry. If you have dermatology, ophthalmology, and plastic surgery expenses, you can also put them on your Alphaeon Credit card to manage them all in one place. Alphaeon gives you three payment options:

  • No interest for 6 to 12 months (term depends on amount)
  • Equal Pay plan to pay within full over 24-60 months
  • Budget Pay plan that lets you pay from $99-$299 per month until the balance is paid

If you opt for Equal Pay or Budget Pay, the rate is low and remains low as long as you keep to the payment schedule. This is a great way to make major dental procedures more affordable.

LendingClub Patient Solutions

LendingClub helps patients get the care they need with affordable payment plans. They offer competitive rates with APRS as low as 4.99% with high approval rates. Each plan is transparent and has no hidden fees or gimmicks. Apply today to get started.

Dental Fee Plan

Dental Fee Plan is a dental financing company that offers fixed rate loans at 9.9% to 11.9% for periods of up to 60 months. We can get in touch with them for you and typically get approval over the phone.

Dental Insurance

Dental insurance plans vary greatly in what they cover, both in terms of which services they will pay for, and their compensation rates for those services. We will do our best to help you understand the terms of your insurance company, and maximize your benefits.

We can usually file claims electronically, and we will typically only ask you for payment of your estimated copayment obligation. Because insurance plans are complicated and may be subject to change, your actual obligation may be different from our initial estimate. In this situation, you will be responsible for the balance due, as financial obligations for your dental treatment are between the patient and our office, not with the insurance company.

If your insurance company is slow to make payment—more than 90 days—we ask that you pay the balance while we work to get compensation from your insurance company. A balance still outstanding 60 days after this initial 90 day filing period will be subject to an 18% APR.

If you have questions about our payment options or want to schedule your Irvine cosmetic dentistry consultation, please call (949) 551-5902 or email Rice Dentistry in Irvine.