Affordable Care for Every Smile in Santa Barbara
Dental Financing &
Payment Options
We believe everyone deserves access to quality dental care — whether it’s for preventive visits or life-changing cosmetic treatments. That’s why Dr. Hurtado’s office offers a variety of flexible payment and financing options designed to fit your budget.
We Accept:
- All major credit & debit cards
- Health Savings Accounts (HSA/FSA)
- Cash or check payments
- Most PPO dental insurance plans
Our team will gladly verify your insurance benefits and provide a detailed estimate of any out-of-pocket costs before treatment.
Financing Through CareCredit®
Need to split payments over time? We partner with CareCredit®, a trusted healthcare financing provider.
Benefits of CareCredit:
- 0% or low-interest plans available
- Instant approval decisions
- No annual fees or prepayment penalties
- Use for preventive, cosmetic, or restorative treatments
Special Offers
Occasionally, we offer new patient specials or limited-time cosmetic discounts. Call to ask about:
- Whitening promos
- Invisalign savings
- Seasonal smile makeover bundles
- Use for preventive, cosmetic, or restorative treatments
We’re happy to match the right plan to your goals and budget.
Common Questions
Is cosmetic dentistry covered by insurance?
Most cosmetic treatments like veneers or whitening are not covered, but financing is available for eligible procedures.
Can I use my HSA/FSA for dental work?
Yes! Most dental treatments — even some cosmetic ones — may qualify. Check with your plan provider.
How much will my treatment cost?
We’ll provide a written estimate after your consultation. No surprise fees, ever.
Let’s Talk Through Your Options
Don’t let cost prevent you from achieving a healthy, confident smile. We’re happy to discuss payment plans, insurance, and financing options with you.