Yes, you can use your PPO insurance here.

How it works with your PPO

1. Bring your insurance card to your visit — or send us a photo of it beforehand.
2. You pay for your visit at the time of treatment.
3. We submit the claim to your PPO for you, and your plan reimburses you according to your out-of-network benefits.

Why we're not in-network

Loul Dental Studio is a fee-for-service practice and is not contracted with any insurance network. That independence lets Dr. Loul choose materials and treatment on clinical merit — biocompatible, mercury-free, biomimetic — rather than on a carrier's fee schedule. Most PPO plans include out-of-network benefits, so many of our patients still use their insurance here. Before any larger treatment we give you a written estimate so there are no surprises.

Plans we commonly file with

We file claims with all PPO plans, including:

• Delta Dental PPO
• Cigna
• MetLife
• Aetna
• Anthem Blue Cross
• Blue Shield of California
• Guardian
• United Concordia
• Principal
• Humana
• Ameritas
• Sun Life

Don't see your plan? Call us — if it's a PPO, we can almost certainly file it.

HMO and DHMO plans

HMO and DHMO plans generally do not include out-of-network benefits, so they cannot be used at our office. We're happy to talk through self-pay and financing options instead.

Ways to pay

• Visa, Mastercard, American Express, Discover
• HSA and FSA cards
• CareCredit financing (ask our team about applying)