Dental Insurance & Payment Options at Lu Dental Care

At Lu Dental Care, we believe great dental care should be accessible, transparent, and respectful of your time. We work with a wide range of insurance plans and payment options, and we’re always happy to help you understand how your coverage fits into your care.

Because insurance plans reimburse differently and have varying administrative requirements, appointment availability and scheduling priority may vary by plan type. Below is a clear overview of what we accept and how scheduling typically works.

Insurance Plans We Accept

PPO Dental Insurance (Highest Scheduling Priority)

We accept most major PPO dental insurance plans, including:

Cigna, Delta Dental, MetLife, Aetna, Guardian, UnitedHealthcare (UHC), GEHA, Mutual of Omaha, Lincoln, Principal, United Concordia, and similar PPO plans.

What this means for patients:

  • Excellent reimbursement levels
  • Fast, streamlined scheduling
  • Priority access to prime appointment times
  • Routine and emergency visits accepted

These plans allow us to provide care efficiently while maintaining the level of quality and time our patients expect.


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Medicare Advantage Dental Plans

We accept select Medicare Advantage plans with dental benefits, including:

Anthem, Humana, SCAN, Clever Care, and Blue Cross Blue Shield Medicare Advantage plans.

What this means for patients:

  • Excellent coverage for many procedures
  • Prime-time appointments available
  • Insurance verification required before scheduling
  • Appointments confirmed once benefits are verified

Because Medicare Advantage plans have additional administrative requirements, we may need up to 48 hours to confirm coverage before finalizing your appointment.

Cash Pay & No Insurance Patients

Patients without dental insurance are always welcome.

What this means for patients:

  • Transparent, upfront pricing
  • Priority scheduling availability
  • No insurance delays or restrictions
  • Simple, straightforward care

For example, many patients begin with a $199 new patient exam and X-rays, with treatment options clearly explained before proceeding.

Medi-Cal Dental (Denti-Cal / PHP Plans)

We accept select Medi-Cal managed dental plans, including:

Liberty Dental, DentaQuest, Health Net, and CDN (when assigned to Lu Dental Care).

What this means for patients:

  • Coverage accepted when assigned to our office
  • Appointments scheduled during off-peak hours
  • Limited availability due to reimbursement structure

To ensure quality care for all patients, Medi-Cal appointments are typically scheduled before 9:00 a.m. or after 3:00 p.m.

Why Scheduling Priority Varies

Dental insurance plans differ significantly in:

  • Reimbursement levels
  • Administrative complexity
  • Time required per appointment

Our scheduling approach helps us:

  • Maintain high-quality, unrushed care
  • Support emergency availability
  • Sustain long-term access for all patient types

This system allows us to continue serving a diverse patient community while preserving clinical excellence.

Not Sure Which Plan You Have?

Our team is happy to help verify your insurance and explain your options.

Call us at 626-509-6945

We’ll walk you through coverage, scheduling, and next steps—clearly and respectfully.