Dental Implant Financing & Insurance — Fair Oaks, CA
0% financing. Low monthly payments. Most patients qualify. Get the smile you want without paying for it all at once.
The Cost of Implants — Without the Sticker Shock
We hear it all the time: “I would love implants, but they are out of my budget.” Almost always, that turns out not to be true. With 0% financing through Allegro Credit or CareCredit, most patients can break the cost of restoring their smile into a manageable monthly payment — about the size of a car payment, only on something that lasts a lifetime.
Payments as low as $25/mo*
*Based on $579 first-implant special with 24-month 0% promotional financing through CareCredit. Subject to credit approval. Larger treatments have different monthly payments — your free consultation includes an exact written cost estimate.
Meet Your Implant-Trained Doctors
Implant dentistry isn’t a side service at Pebble Beach Dental — it’s a core specialty. Both of our doctors have advanced training and years of experience placing and restoring dental implants for patients across Fair Oaks and the surrounding area.
Dr. Michael Atherly
GENERAL & IMPLANT DENTIST
Fellow, International Congress of Oral Implantologists (ICOI)
Dr. Atherly holds Fellowship from the International Congress of Oral Implantologists — one of the highest credentials in implant dentistry. He completed his dental training at the University of Pittsburgh as a Dean’s List graduate and recipient of the Robert Zugsmith Memorial Scholarship for Meritorious Academic and Clinical Achievements. Before joining Pebble Beach Dental, he served in the US Military providing comprehensive dental care to Marines. He is a member of the Academy of General Dentistry and offers a full range of restorative options including dental implants, veneers, and Clear Correct.
Dr. Brandon Erickson
GENERAL & IMPLANT DENTIST
DDS, Virginia Commonwealth University • BS, Brigham Young University
Dr. Erickson brings extensive restorative and implant experience, sharpened by clinical practice in ten different countries. He received his BS from Brigham Young University and his DDS from Virginia Commonwealth University. As a former practice owner with experience in both general and pediatric dentistry, he brings a conservative, patient-first treatment philosophy to every implant case at Pebble Beach Dental in Fair Oaks.
Our Trusted Financing Partners
CareCredit
The most widely accepted healthcare credit card in the country. 6, 12, 18, and 24-month 0% promotional financing on qualifying treatment. Quick online application — most decisions in minutes.
Allegro Credit
Designed specifically for dental and healthcare. Longer-term financing options for higher-investment treatments like full-arch implants. Friendly to a wider range of credit profiles than typical credit cards.
Insurance Benefits — We Maximize Yours
We accept all PPO insurance plans and apply every dollar of your benefits to your implant treatment. Many plans cover a portion of implant treatment — sometimes more than patients expect. Bring your insurance card to your free consultation and we will handle the verification.
Delta Dental
Cigna
Aetna
Humana
Anthem Blue Cross
Working with an out-of-network PPO plan? We help you file claims to maximize your reimbursement.
CURRENT SPECIAL OFFERS
Current Implant Specials in Fair Oaks
$579*
Dental Implant Special
Get a single dental implant for just $579 — a fraction of the typical cost. Perfect for replacing a missing tooth.
*First implant only. Not valid with other offers or insurance.
$3,000*
Off All-On-4® Implants
Save $3,000 on a full-arch All-On-4® restoration. Permanent teeth, often in a single day.
*New patients only. Cannot be combined with other offers. Cannot be used with insurance.
How Implant Financing Works
1
Free Consultation
Get an exact written cost estimate based on your 3D CT scan and treatment plan.
2
Review Your Options
We walk through CareCredit, Allegro, and your insurance benefits. You see what every option looks like as a monthly payment.
3
Apply (Optional)
Apply for financing online — most decisions in minutes. No fees for applying.
4
Schedule Treatment
Once approved, we schedule your treatment. You make low monthly payments instead of paying upfront.
Financing & Insurance — Frequently Asked Questions
Do I have to commit to treatment to apply for financing?
No. You can apply with CareCredit or Allegro at any time — it does not obligate you to anything. Applying is free.
Will applying affect my credit score?
Most applications include a credit check. CareCredit and Allegro both offer pre-qualification tools that use a soft pull (no impact on your score) before any hard pull.
What is the catch on 0% financing?
There is not one — as long as you pay off the balance within the promotional period (typically 6-24 months depending on your plan). After that, standard interest applies to any remaining balance. We help you choose a plan structured around what you can comfortably pay each month.
What if I do not qualify for 0% financing?
Allegro offers longer-term options with low monthly payments that work for a wider range of credit profiles. Most patients have at least one option available.
Does insurance cover dental implants?
Many PPO plans cover a portion of implant treatment — sometimes the surgical placement, sometimes the crown, sometimes both. We verify your benefits at the consultation and apply every dollar your plan covers.
What forms of payment do you accept?
Cash, check, money orders, Visa, MasterCard, Discover, American Express. And of course CareCredit and Allegro Credit.
Can I combine insurance with financing?
Yes. We apply your insurance benefits first, then finance whatever portion remains. This is what most of our implant patients do.
The Real Cost? Probably Less Than You Think.
The only way to find out is a free consultation. You will leave with an exact, written cost estimate and a clear monthly payment number — including financing breakdown. No pressure. No commitment.
