231 Main Street, Ben Lomond, CA 95005 | Phone: 831.336.2261



Insurances and Payments

We currently are offering the following payment options for treatment performed in our office:

PPO Dental Insurance Plans
Cash Patients- for those without insurance
Dental Insurance Discount Plans
Care Credit

Dental Insurance Plans

As a courtesy to our patients, we will take care of sending claims to your insurance company for you. We are contracted with the majority of PPO (Preferred Provider Organization) Insurance Plans. We are not contracted with Medicare, MediCal or any HMO plans. Listed below are some of the PPO plans we accept. This is not a complete list of all the PPO plans we are contracted with, so please call our office if your insurance changes or you have questions regarding coverage.

Anthem Blue Cross
Ameritas Life Insurance
Assurant Employee Benefits
Blue Shield
Delta Dental
Premier Access
Principle Life Insurance
United Concordia
United Healthcare

As a contracted provider, or PPO, with an insurance company we have agreed to charge fees based strictly on their fee schedule. Patient portions are based on percentage of insurance coverage, less an annual deductible (if applicable). Most insurance companies have individual plan limitations, frequency limitations and plan annual maximums. New plans may also have "waiting periods" for certain services. We are happy to call your insurance company and find out the specifics for your plan. It's also a good idea to read through your insurance packet to familiarize yourself with the limitations and benefits of your plan.

While we make every reasonable effort to give our patients accurate cost estimates before treatment, we remind you that insurance policies are agreements between patients and insurance companies (not doctors and insurance companies) and patients will always be responsible for dental fees should insurance benefits be less than anticipated.

Without Insurance

We have many patients who do not have dental insurance coverage. For these patients Dr. Creech offers a 10% discount.


We accept Care Credit, which is a credit card provided for health care services. Care Credit offers NO Interest plans, which can be spread over 6, 12, 18 or 24 months depending on the amount charged, with monthly payments as low as $25.00. Care Credit is accepted in many healthcare provider offices. It is easy to securely apply online and can even be done from your smartphone.

Dental Discount Plans

Dr. Creech is also contracted with several dental discount plans. As such, we are able to offer the same lower contracted fees to our patients as though they had insurance coverage. With these plans there is no insurance billing, and patients pay on the date of service as a cash patient. Aetna, First Dental Health, Cigna and CareingtonCare are all discount plans we accept.


Dr. Creech is proud to serve the needs of our Veterans. The Department of Veterans Affairs does not have the capacity to provide timely care for all of the Veterans who apply for dental care benefits. Dr. Creech has worked with the VA to supplement the needs of our Vets by offering excellent, professional dentistry and comprehensive treatment plans, which are pre-authorized by the VA. Contact the VA to see if you qualify for dental care through a private provider.

We currently accept:

Debit card with a Visa/ Mastercard logo
Check or Money Order
Health Savings Account payments

Cancellation/Missed Appointment Policy:

We value our patients’ time and have reserved time especially for you in our schedule. Should you need to change or cancel an appointment, we require 48-hour notice. This advance notice allows us the time needed to call other patients wanting to be seen and offer them your appointment slot.

Our late cancellation fee is $75 per hour scheduled.

Call Us @ 831.336.2261

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