Dental Financing & Insurance at Dr. Tex Mabalon Dentistry
Dental insurance was built to cover the bare minimum. Your teeth deserve more than the minimum. Here, your treatment plan is built around what is right for you and your goals — not around what a benefit plan is willing to approve.
Out-of-Network Explained
What “Out-of-Network” Means for You
Dental insurance does not work the way medical insurance does. Medical insurance exists to protect you from catastrophic costs. Dental insurance works more like a gift card — a fixed annual amount that covers the bare minimum and then stops.
We think patients deserve more than the bare minimum. Being out-of-network is not about fees. It is about staying free to recommend the care we actually believe in, rather than the care a plan happens to approve.
Your benefits still work here. We submit your claim, your insurer reimburses you, and your treatment gets built around your mouth instead of a coverage table.
Dr. Tex Mabalon Dentistry is an out-of-network dental practice in Sacramento, CA. We file your insurance claim directly and provide a superbill so you can receive reimbursement from your insurer — which means you get care that is right for you, not just what your plan approves.
Treatment Freedom
No insurance contract limits what we can recommend. Your care plan is built around you.
We Submit the Claims
We file your claim and provide your superbill. You do not navigate billing alone.
Direct Reimbursement
Your insurer reimburses you directly. Most PPO plans cover a meaningful portion of the fee.
Kois-Trained Precision
Dr. Tex’s training means your diagnosis is never shaped by what insurance will pay.
Insurance & Payment Options
Ways to Pay for Your Care
We aim to make personalized dental care accessible and stress-free, with flexible options for insurance, financing, and membership-based care.
Dental Benefit Plans
We accept all PPO plans on an out-of-network basis and file your claim for you. Your insurer reimburses you directly, usually within two to four weeks.
◆ We file the claim on your behalf
Cherry Financing
We have partnered with Cherry so you can split eligible treatment into manageable monthly payments. Checking your rate takes minutes and does not affect your credit score.
◆ No impact on your credit to apply
Lifetime Smiles Club
No insurance? No problem. Our in-house membership plan covers annual preventive care including exams, cleanings, and x-rays, plus a discount on additional treatment.
◆ No claim forms, no annual maximums
Cash or Personal Check
Paying by cash or personal check keeps processing costs down, and we pass that savings back to you as a discount on your treatment.
◆ Discount applied at time of service
Credit Card
We accept all major credit cards. For larger treatment plans, paying by card is an easy way to earn rewards or cash back on care you were going to invest in anyway.
◆ Earn points or cash back on treatment
HSA & FSA
We accept HSA and FSA cards. Using pre-tax dollars for dental treatment is one of the most efficient ways to pay, effectively reducing your out-of-pocket cost.
◆ Pay with pre-tax dollars
Not sure which option fits your situation? Our team will walk you through it.
Common Questions
Frequently Asked Questions
Still Have Questions About Your Coverage?
Call us before your appointment. We will check your out-of-network benefits for you.