Understanding Dental Insurance & Our In-House Discount Plan: Flexible Savings for Every Smile
Navigating dental insurance can feel overwhelming. Yearly maximums, deductibles, waiting periods, and confusing coverage rules often leave patients asking: “What’s actually covered?” At Harbor City Dental, we believe great care should be accessible—and easy to understand.
Whether you have traditional dental insurance or you’re uninsured and looking for affordable options, we’re here to help you get the care you need without the guesswork. From verifying your insurance benefits to offering a flexible in-house discount plan, we make it simple to protect your smile and your budget.
Have Dental Insurance? We’ll Help You Maximize It
Our front desk team works with dental insurance every day—and we’re happy to help you understand and use your benefits. We’ll:
Verify your coverage ahead of treatment
Help estimate your out-of-pocket costs
File claims on your behalf
Work with your insurance provider to avoid billing surprises
We accept a wide range of insurance plans, and we’re always available to discuss the details of your specific coverage. Just give us a call, and we’ll walk you through it.
No Insurance? Check Out Our In-House Discount Plan
If you’re uninsured—or tired of confusing insurance limitations—our in-house savings plan is a smart, stress-free alternative. Designed for individuals and families without dental insurance, our membership plan offers clear pricing, built-in savings, and zero red tape.
What’s Included in the Harbor City Dental Discount Plan?
With our unique discount plan, you’ll never have to worry about:
Annual maximums
Deductibles
Pre-authorizations
Claim forms
Waiting periods
Instead, you get:
Preventive care at no extra cost (cleanings, exams, x-rays)
Discounts on most other treatments, including fillings, crowns, extractions, and more
Three flexible membership tiers to fit your needs and budget
You can view plan details and enroll online here:
👉 View Our Savings Plan Tiers
Whether you just need basic maintenance or more extensive dental work, our discount plan makes it easier to plan and save—without sacrificing quality care.
Why Our Patients Love the Discount Plan:
No insurance headaches
Transparent pricing
Simple, straightforward enrollment
No surprise fees
Big savings on dental care year-round
It’s ideal for patients who are self-employed, retired, between jobs, or simply looking for a more affordable way to stay on top of their oral health.
Still Have Questions About Dental Insurance or Our Savings Plan?
We’re always happy to walk you through your options—whether you’re trying to make sense of a dental insurance policy, wondering if a procedure is covered, or looking for the best discount plan for your needs.
Get the Care You Deserve—with or Without Dental Insurance
No matter your situation, we’ll help you find a path to affordable, high-quality care. Our goal is simple: to make sure nothing stands between you and a healthy, confident smile.
Let’s talk through your dental insurance—or help you join our in-house savings plan and start saving right away.