Affordable Dental Care in Rancho Bernardo: Insurance & Payment Plans
At Plaza Dentistry, our husband-and-wife team of dentists has served the Rancho Bernardo community with compassionate, high-quality care for generations. Our practice accepts most major PPO plans and offers 0% financing to help you move forward with the services you need.
From preventive checkups to cosmetic and restorative treatments, we make it easy to keep your smile healthy and confident.
How We Make Dentistry Affordable in Rancho Bernardo
We believe cost should never keep you from getting the care you need. Plaza Dentistry offers flexible options for patients with or without insurance, making it easier to fit treatment into your budget.
Insurance Options
Plaza Dentistry accepts most major PPO dental insurance plans, making it easier for patients looking for insurance in Rancho Bernardo to apply their benefits toward the care they need. Our team will check your coverage, explain exactly what’s covered, and let you know your estimated out-of-pocket costs before treatment begins. We also handle the claims process from start to finish, so you can focus on your smile instead of the paperwork.
Flexible Payment Plans
You don’t have to pay for everything up front. We offer $0 down and 0% interest financing, along with in-house payment plans tailored to fit your budget. Our goal is to make treatment as accessible as possible by spreading costs into manageable payments. Call us to explore your options, and we’ll help you choose the plan that works best for your needs.
For more details about insurance, pricing, or our in-house plan, contact us today so our team can walk you through your options and help you choose the best one.
Why Choose Affordable Dental Care at Plaza Dentistry?
Patients trust Plaza Dentistry for more than just our wide range of dental services. They appreciate our dedication to comfort, quality, and personalized care. As a family-owned practice with over 45 years of combined dental experience, we understand the importance of building relationships, tailoring every visit to your needs, and providing Rancho Bernardo family dentist payment options that make care easier to access.
Here’s why patients choose us:
- Family-owned and operated by a husband-and-wife dental team
- Accepts most major PPO insurance plans for easy claims
- Flexible payment options to fit your budget
- 0% dental financing in Rancho Bernardo is available through CareCredit
- Gentle, compassionate care for patients of all ages
- Welcoming environment for those with dental anxiety
Treatment Process & What to Expect
At Plaza Dentistry, we believe the path to a healthy smile should be simple, transparent, and comfortable, both for your oral health and your budget. As a dentist who accepts PPO Rancho Bernardo patients, we want you to feel informed and confident every step of the way, knowing exactly what to expect before any treatment begins.
Here’s how our process works:
- Schedule your visit – Call our office or book online to reserve your appointment at a time that’s convenient for you.
- Share your details – Provide your insurance information or let us know if you’d like to explore payment plan options.
- Benefit verification – Our team confirms your coverage and provides a clear estimate of any out-of-pocket costs.
- Create your treatment plan – After your exam, we walk you through our recommendations, treatment timeline, and associated costs.
- Choose your payment option – Use your PPO benefits, set up an in-house payment plan, or apply for 0% financing through CareCredit.
- Enjoy stress-free care – With the financial details handled, you can focus entirely on your treatment and your smile.
By keeping the process clear and straightforward, we make it easier for you to move forward with the care you need without hesitation.
Our Dental Services
General Dentistry
We provide exams, cleanings, fillings, and crowns to maintain and restore your oral health. Our gentle approach helps prevent problems and keeps your smile strong.
Family Dentistry
Our team cares for patients of all ages, making us a convenient choice for your entire family. We tailor each visit to ensure a positive dental experience for everyone.
Cosmetic Dentistry
Enhance your smile with treatments like teeth whitening, veneers, and smile makeovers. We create personalized plans to match your goals and budget.
Invisalign® Clear Aligners
Straighten your teeth discreetly with Invisalign’s clear, removable aligners. We’ll review your insurance and payment options to make treatment affordable.
Dental Implants
Replace missing teeth with permanent, natural-looking dental implants. They restore your smile’s appearance and function for lasting results.
Emergency Dentistry
We provide prompt care for urgent dental needs, including toothaches and injuries. Our office offers same-day appointments whenever possible.
Meet Our Dentists
Dr. Michael Payor, DMD
Originally from Orlando, Florida, Dr. Michael Payor earned his Bachelor’s degree from the University of Georgia before graduating from Midwestern University College of Dental Medicine in Glendale, Arizona. Now a proud member of the San Diego Healthy Smiles family, he focuses on clear communication and understanding each patient’s goals.
Dr. Payor stays current with the latest advancements in cosmetic, restorative, and preventive dentistry through continuing education. Outside the office, he enjoys playing the piano, biking, cooking, and exploring music.
Dr. Diana Cluff-Payor, DMD
Known to patients as “Dr. D,” Dr. Diana Cluff-Payor is a third-generation dentist from East County San Diego. After earning her biology degree from San Diego State University and gaining hands-on experience as a dental assistant, she completed her dental degree at Midwestern University in Glendale, Arizona.
Dr. D is passionate about helping patients, especially those with dental anxiety, feel comfortable and confident about their care. She has participated in outreach programs serving hospice patients, children, and underserved communities. In her free time, she enjoys cooking, road trips, and watching MMA.
Frequently Asked Questions
Do you treat children as well as adults?
Yes. Plaza Dentistry provides care for patients of all ages, from children’s checkups to advanced treatments for adults and seniors.
Can I start treatment before my insurance is approved?
In most cases, yes. We can begin treatment while your insurance claim is being processed and arrange payment options for your portion.
What if I need emergency dental care but can’t pay in full?
We can set up a flexible payment plan or 0% financing so you can get urgent treatment right away without delaying care.
Do you offer same-day appointments?
We do our best to see patients quickly, especially for emergencies or urgent concerns. Call us to check availability.
Will my payment plan cover all types of dental treatments?
Yes. Our payment plans can be applied to most services, including preventive, cosmetic, and restorative treatments.
Ready to Get Started?
Take the next step toward a healthier, more confident smile with care that fits your budget. At Plaza Dentistry, your budget-friendly dentist in Rancho Bernardo, we’re here to help you make the most of your dental insurance or find a flexible payment option that works for you. Our team will guide you through your coverage, explain financing choices, and create a plan that makes quality dentistry easy to access.
16769 Bernardo Center Dr #17, San Diego, CA 92128
Call us at 858‑485‑8380 – or Schedule Your Visit Today