Financial Information

Our Dental Philosophy: Personalized, Preventive, and Transparent Care

At Ocean Breeze Dental, we take a modern, patient-focused approach to dentistry. Our goal is to deliver high-quality care tailored to your unique dental health needs—without unnecessary procedures, sales pressure, or insurance-driven treatment plans.

From routine cleanings to advanced restorative work, we’re committed to helping you maintain healthy teeth for life through prevention, education, and honest recommendations.

Why Fee-for-Service Dentistry Works for You

Unlike insurance-based dental practices, we operate on a fee-for-service model. This means our clinical decisions are based solely on what’s best for your oral health—not what your insurance will approve.

Here’s what that means in practice:

• Customized treatment plans tailored to your individual needs
• X-rays taken only when clinically necessary
• Emphasis on preventive care to avoid complex treatments later
• Evidence-based recommendations, never driven by insurance quotas
• Transparent pricing and clear explanations of all costs

Before beginning any treatment, you’ll receive a detailed care plan. Our team will walk you through the costs, payment options, and answer any questions so you feel fully informed and confident.

We accept cash, checks, and all major credit cards.

Flexible Financing Options

We believe financial considerations should never be a barrier to getting the dental care you need. That’s why Ocean Breeze Dental offers several trusted financing solutions to help make treatment affordable and stress-free:

• CareCredit – A widely accepted healthcare credit card that lets you split treatment costs into monthly payments. 
• Cherry – A flexible “buy now, pay later” option with quick approval and no hard credit checks. Payment options through Cherry Technologies, Inc. are issued by the following lending partners: https://withcherry.com/lending-partners 
• Alphaeon Credit – Designed specifically for healthcare expenses, Alphaeon offers special financing for qualified patients seeking elective or comprehensive treatment. 

Whether you’re planning for a single procedure or a full smile transformation, our team will help you explore the best option for your budget and needs. Ask our front desk team for assistance or visit each provider’s website to learn more and apply.

Insurance Support Without Compromise

While we are not in-network with insurance companies, we’ll still help you get the most out of your plan. We’ll file claims on your behalf and assist you in securing any reimbursement your PPO plan allows.

It’s important to understand how dental insurance works:

• Most plans offer limited annual benefits ($1,000–$2,000)
• They often cover only a portion of treatment costs
• Waiting periods, exclusions, and limitations are common
• Coverage typically emphasizes basic preventive care

Because of these restrictions, we do not let insurance policies dictate your care. If, for example, a crown costs $1,500 and your insurance covers $800, we’ll help you claim that amount—without compromising on quality or treatment decisions.

The Value of Preventive Dentistry

Quality dental care is an investment in your long-term health. By identifying and treating issues early, we help you avoid more extensive and costly procedures down the road. Preventive care today can save you thousands in future dental work. Our patients appreciate that our recommendations are always in their best interest—not influenced by financial incentives or insurance limitations.

Get Started with Ocean Breeze

At Ocean Breeze Dental, we combine advanced technology, evidence-based practices, and a clear commitment to patient care. We deliver a straightforward, respectful dental experience—with no unnecessary treatments, no hidden fees, and no surprises.

Call us or fill out our contact form to schedule your appointment today.