Payment Options

Visa Mastercard Discover American Express cash checks and Care credit.  We offer an in house plan called Smile Club which offers patients with no insurance 15% our fees excluding implants.

Dental Insurance

Dental Insurance

As a service to our patients, our practice accepts most dental insurance programs, including non-managed care, indemnity (traditional) and PPO out-of-network. We are not part of any managed care network. Our accounting staff will prepare all the necessary forms for your dental benefits. However, we remind you that your specific policy is an agreement between you and your insurance company. Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.  

Financing Options

GreenSky Patient Solutions® Program

GreenSky Patient Solutions ® Program offers leading financial technology to Providers throughout the country to offer you fast, frictionless and attractive promotional financing options to our patients who qualify for financing provided by federally insured, federal and state chartered banks. 

The GreenSky Patient Solutions(r) Program makes it possible for you to receive the healthcare treatments and services you want with affordable monthly payments.

With the simple click of the mouse, our secure service gives you access to:

  • Easy application process
  • Pre-qualification without impacting your credit score
  • Most loan decisions in minutes
  • Multiple promotional financing options for qualified applicants
  • Online tools to manage your account

Get the treatment you need now at a price you can afford.

Apply Online         Learn More


CareCredit is here to help you pay for treatments and procedures your insurance does not cover. Dr. Lobato offers No Interest* financing or low minimum monthly payment options up to 18 months so you can get what you want, when you want it.

With three simple steps, including an instant approval process, it's easy to apply for Care Credit. After you're approved, you're free to use CareCredit to finance our services.

Now you don't have to worry about saving up for the procedures you want and need. With CareCredit, the decision's in your hands to get what you want, when you want it. For more information or to apply online, visit carecredit.com

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Contact Us

We encourage you to contact us with any questions or comments you may have. Please call our office or use the quick contact form below.