Financing & Payment Options

Getting the care you need shouldn’t hinge on the fine print

Book Gilroy
Book Morgan Hill

Gilroy: (408) 842-5037

Morgan Hill: (408) 778-7700

Paying for dental care, made simple

Cost questions shouldn’t stand between you and a healthy smile. At Lotus Dental Studio, we keep payment straightforward: clear estimates before treatment begins, help understanding your insurance, and offer options for spreading out the cost of larger treatment plans.

Our team handles the details at both our Gilroy and Morgan Hill offices, verifying your benefits before your visit, explaining what’s covered and what isn’t, and walking you through your choices before you commit to anything. No surprises on the way out.

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Patient smiling while dentist checks teeth at Lotus Dental Studio in Morgan Hill, CA

Ways to pay at Lotus Dental Studio

Dental Insurance

We work with your insurance to maximize your benefits. Our team verifies coverage before your appointment and files claims for you, so you know what to expect ahead of time.

Estimates Before Treatment

Every treatment plan comes with a clear cost breakdown before work begins. If you’re weighing options, we’ll explain the differences in both care and cost.

Payment Flexibility for Larger Treatment

For bigger treatment plans, ask our team about options for spreading out payments. We’ll help you find an arrangement that lets you move forward with care on a timeline that works.

Pay over time with cherry

Prefer another option? We also partner with Cherry to offer flexible payment plans, including 0% APR options with no hard credit checks.

Questions about cost? Just ask

Money conversations at the dentist can feel awkward. They shouldn’t. Our front desk team answers cost and coverage questions every day, and no question is too small, whether you’re comparing treatment options, checking a benefit, or planning care for the whole family across our two locations.

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Frequently asked questions about payment at Lotus Dental Studio

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Do you accept dental insurance?

Yes. We work with your dental insurance, verify your benefits before your visit, and file claims on your behalf. Call either office with your plan details, and we'll check your coverage.
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Will I know the cost before treatment starts?

Always. You'll receive a written estimate with your treatment plan before any work begins, including what your insurance is expected to cover.
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What if I don't have dental insurance?

You can still get care with us. Talk to our team about self-pay pricing and payment flexibility, we'll help you plan treatment in a way that fits your budget.
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Can I split the cost of a large treatment plan?

Ask our team about payment arrangements for larger treatment plans. We'll walk you through the options available so cost doesn't force you to delay needed care.
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Do both locations handle billing the same way?

Yes. Whether you visit us in Gilroy or Morgan Hill, the same payment options, insurance help, and transparent estimates apply.
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Who do I talk to about a billing question?

Call the office where you're treated and ask for the front desk team. They handle insurance, estimates, and billing questions daily and can usually resolve things in one call.

Real smiles,
real stories

☆☆☆☆☆

Review us on Google

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"Dr. Atraya and her team have taken excellent care of my teeth. They're professional and attentive, and the staff is knowledgeable and friendly. They explain everything clearly."

Dan D.

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"This is the best dental office I've ever visited. The staff is polite, professional, and caring. I'm finally getting my teeth fixed properly, and it makes a big difference."

Sonya M.

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"My daughter was scared during her first fillings, but the doctor and staff calmed her down with laughter and music. They even sang Taylor Swift songs with her! I'm so grateful for their extra attention."

Aracely C.

Find out if Invisalign First is right for your child

We'll evaluate your child's developing smile, explain what we see, and help you understand whether treatment makes sense now, later, or not at all.

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Insurance

Wondering if we accept your insurance?

Good news! We take ALL PPO insurance to ensure quality dental care is accessible to you and your family. Want to confirm your coverage? Find out in just a few clicks!

Delta Dental PPO  |  Delta Dental Premier  |  Delta Dental (Other)  |  United Healthcare  |  Humana  |  Nationwide  |  BlueCross BlueShield  |  Cigna  |  United Concordia  |  Aetna  |  Ameritas  |  Sun Life Financial  |  Assurant  |  Anthem  |  MetLife  |  Superior  |  Principal  |  Guardian

No insurance?
No problem!

Our Smile Savings Plan is designed to give uninsured patients access to high-quality care at an affordable price:

  • Biannual exams and cleanings
  • Necessary x-rays
  • 20% off most procedures
  • Once a year emergency visit
  • Free consultations
Explore Our Membership

Flexible Payment
Options

Your smile shouldn’t come with financial stress. We offer flexible payment plans to fit your needs:

Our Locations

Gilroy

(Formerly known as Gilroy Family Dental Center)

  • Monday: 7:30am to 7pm
    Tuesday: 9am to 5:30pm
    Wednesday: 9am to 5:30pm
    Thursday: CLOSED
    Friday: 7:30am to 5:30pm
    Saturday (3rd): 9am to 1pm

Morgan Hill

(Formerly known as Lotus Dental Spa)

  • 18181 Butterfield Blvd
    Suite 110
    Morgan Hill, CA 95037
    Get Directions
  • Monday: CLOSED
    Tuesday: 7:30am to 4pm
    Wednesday: CLOSED
    Thursday: 7:30am to 5:30pm
    Friday: CLOSED
    Saturday (1st): 9am to 1pm

Ready to feel confident about your smile again?

We're here to help. Experience compassionate care, transparent communication, and a smile you'll love. Book your visit now.

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