Insurance and Payment

Pearl32 Dentistry and Wellness in Laguna Hills is in network with the dental plans listed on this page, current as of September 23, 2026. They include Delta Dental (PPO, Premier, Legion, DeltaCare HMO and Medicare Advantage), Aetna Extend PPO, Ameritas, Anthem Blue Cross, Blue Shield of California, Cigna DPPO, Guardian PPO and HMO, Humana, MetLife PPO and HMO, Principal, Sun Life, United Concordia and UnitedHealthcare. Call (949) 830-0074 with your plan name and member ID and we check your benefits before the visit, so your share is in writing before any treatment starts.

Which dental insurance plans does Pearl32 accept?

Pearl32 Dentistry and Wellness is in network with the PPO, HMO, Medicare Advantage and federal employee plans listed below, current as of September 23, 2026. In network means the practice has a contract with the plan and accepts its fee schedule. Your share is the copay or coinsurance your plan sets, after any deductible, up to your annual maximum. We bill the plan and you pay your share. Where a carrier runs more than one network, the network we are contracted with is named, because that is what decides how your claim is paid.

PPO plans

• Aetna PPO, Extend network. Aetna plans on other Aetna networks are out of network; we check which network your plan uses when you call.
• Ameritas PPO
• Anthem Blue Cross PPO, Anthem 300 network. Other Anthem PPO plans are usually processed in network at a different fee schedule; we confirm when you call.
• Blue Shield of California dental PPO, through the UnitedHealthcare Dental Benefit Providers network
• Blue Cross Blue Shield dental PPO, through the UnitedHealthcare Dental Benefit Providers network
• Cigna Dental PPO (DPPO)
• Delta Dental PPO and Delta Dental Premier
• Delta Dental PPO, Legion network
• Guardian PPO, DentalGuard Preferred and Select networks, including Liberty Dental and Premier Access plans
• Humana PPO and EPO
• MetLife PPO (PDP Plus)
• Principal PPO
• Sun Life PPO, including Assurant and Dental Health Alliance (DHA) plans
• United Concordia Elite Plus PPO
• UnitedHealthcare dental PPO (Dental Benefit Providers)

HMO plans

• DeltaCare USA, the Delta Dental HMO
• Guardian HMO
• MetLife HMO
• Delta Dental SCAN HMO, for SCAN Health Plan members

Medicare Advantage

• Delta Dental Medicare Advantage PPO
• SCAN Health Plan dental benefits, through the Delta Dental HMO network
• Humana Medicare Advantage dental plans
• Sun Life, Assurant and DHA Medicare plans, apart from SCAN

Federal employees and retirees

• Blue Shield Federal Employee Program (FEP) dental, through the UnitedHealthcare Dental Benefit Providers network. Some federal health plans include only a small preventive dental rider with a low annual maximum, so we check the dental benefit on your plan before the visit.
• MetLife Federal Dental (FEDVIP)
• GEHA: not in network.

Plan contracts change from time to time and this list is updated when they do. If your plan is not here, or you are not sure which product or network you have, call (949) 830-0074 and we confirm the current status while you are on the phone.

What your plan pays and what you pay

Most PPO plans cover preventive visits, meaning exams, cleanings and routine x-rays, at or near 100 percent. Fillings are usually covered at a middle rate. Crowns, root canals, extractions, dentures and implants are usually covered at a lower rate, and some plans exclude implants. Each plan has an annual maximum, and many have a deductible and a waiting period for major work.

We check those details for you before the visit. Call with your plan name, the member ID on your card, and the name and date of birth of the subscriber if the plan is in a family member’s name. Before any treatment beyond a routine visit, you receive a written, itemized estimate that shows the expected share for the plan and for you as separate lines.

For larger treatment plans, we send a pre-treatment estimate to your plan so its share is confirmed in writing before you decide. Where the clinical timing allows, treatment can be staged across two benefit years so two annual maximums apply instead of one. The dental financing page explains how that works.

Do you take HMO dental plans?

Yes. We are in network with DeltaCare USA (the Delta Dental HMO), Guardian HMO, MetLife HMO and the Delta Dental SCAN HMO. A dental HMO pays only when Pearl32 Dentistry and Wellness is listed as your assigned dental office. The assignment is made with your plan, not with us, and it often takes effect at the start of the following month.

Call the member services number on your card and ask to change your assigned dental office to Pearl32 Dentistry and Wellness at 24022 Calle De La Plata, Suite 450, Laguna Hills. If you would rather we walk you through it, call (949) 830-0074 and we do it with you on the line. Once the assignment shows on the roster the plan sends us, we book your first visit.

HMO plans work from a copay schedule rather than a percentage. Your copay for each procedure is fixed in the plan document, and we quote it in writing before treatment.

Do you take Medicare or Medicare Advantage dental plans?

We accept Medicare Advantage dental plans. Original Medicare, Parts A and B, does not cover routine dental care such as exams, cleanings, fillings, crowns or dentures, but many Medicare Advantage plans add a dental benefit, and those we take.

We are in network with the Delta Dental Medicare Advantage PPO, the SCAN Health Plan dental benefit on the Delta Dental HMO network, Humana Medicare Advantage dental plans, and the Sun Life, Assurant and DHA Medicare plans other than SCAN. Other Medicare Advantage plans may pay part of the fee out of network. Call with the plan name and we check.

If Original Medicare is your only coverage, the membership plan covers preventive visits for a set fee. Residents of Laguna Woods Village can read more on the Laguna Woods Village page, including how the Village bus reaches our plaza.

If your plan is not listed, or you have no dental insurance

If your plan is not on this page, call. We tell you up front whether we are in network and explain your options. Some PPO plans pay part of the fee at an office outside their network; the summary of benefits for your plan says whether yours does, and we can help you read it.

If you have no dental insurance, the practice offers a membership plan that covers cleanings, exams, fluoride and x-rays for a set monthly fee, with no deductible, no waiting period and no claim forms. It is a membership plan, not insurance. If you already have a PPO plan through work, the membership is usually not needed and we say so.

Third party financing is available through CareCredit, Cherry, Sunbit and Happen Bank (formerly LendingClub). The practice is not the creditor, and the written estimate shows the treatment fee and any financed amount separately. Details are on the dental financing page.

We accept Visa, Mastercard, American Express, Discover, cash and personal checks.

What to bring to a first visit

Bring your dental insurance card, or your Medicare Advantage card, and a photo ID. If the plan is in a family member’s name, bring the name and date of birth of the subscriber as well. If you have an HMO, make the office assignment first, as described above.

Bring your medication list too. What happens at a first visit, and how long it takes, is on the new patients page. Other questions are answered on the FAQ page.

Pearl32 Dentistry and Wellness is at 24022 Calle De La Plata, Suite 450, Laguna Hills, CA 92653, close to the I-5. Suite 450 is reached by elevator. Street parking and the spaces behind the building are free; the parking structure charges. Hours are Monday to Friday, 8 AM to 5 PM. Patients come from Laguna Hills, Laguna Woods, Mission Viejo, Lake Forest, Aliso Viejo, Laguna Niguel and the rest of south Orange County.

Questions people ask

Do you take Delta Dental?

Yes. Pearl32 Dentistry and Wellness is in network with Delta Dental PPO, Delta Dental Premier, the Delta Dental Legion PPO network, DeltaCare USA (the Delta Dental HMO), the Delta Dental Medicare Advantage PPO, and the Delta Dental SCAN HMO for SCAN Health Plan members. For the HMO products, Pearl32 must be listed as your assigned dental office before the visit. Call (949) 830-0074 with your member ID and we check which Delta Dental product you have.

Are you in network with Aetna, Cigna, MetLife and Guardian?

Yes, with one detail on Aetna. We are in network with Aetna PPO on the Aetna Extend network, and out of network on other Aetna networks, so we check which one your plan uses. We are in network with Cigna Dental PPO (DPPO), MetLife PPO (PDP Plus) and MetLife HMO, and Guardian PPO and HMO. We are also in network with Ameritas, Anthem Blue Cross, Blue Shield of California, Humana, Principal, Sun Life, United Concordia and UnitedHealthcare PPO plans. Call with your plan name and member ID and we confirm before you book.

Do you accept Medicare Advantage dental plans?

Yes. We are in network with the Delta Dental Medicare Advantage PPO, the SCAN Health Plan dental benefit on the Delta Dental HMO network, Humana Medicare Advantage dental plans, and the Sun Life, Assurant and DHA Medicare plans other than SCAN. Original Medicare on its own does not cover routine dental care. Benefits vary by plan, so call (949) 830-0074 with the plan name and we check what it covers before you come in.

I am a federal employee or retiree. Which dental plans do you take?

We are in network with the Blue Shield Federal Employee Program (FEP) dental benefit, which runs through the UnitedHealthcare Dental Benefit Providers network, and with MetLife Federal Dental (FEDVIP). We are not in network with GEHA. Some federal health plans include only a small preventive dental rider with a low annual maximum, so call (949) 830-0074 with your plan name and we check the dental benefit before your visit.

My plan is not on your list. Can I still be seen?

Yes. Call (949) 830-0074 and we tell you up front whether we are in network with your plan. Some PPO plans pay part of the fee at an office outside their network, and we help you read what your plan says. If you have no dental coverage, the membership plan covers preventive visits for a set monthly fee. Either way, you receive a written, itemized estimate before any treatment is scheduled.

What does in network mean for what I pay?

In network means the practice has a contract with your plan and accepts its fee schedule. Your share is the copay or coinsurance the plan sets, after any deductible, up to the annual maximum of the plan. Preventive visits are covered at or near 100 percent on most PPO plans; fillings and major work are covered at lower rates. We check your plan before the visit and put your expected share in writing.

How do I switch my HMO plan to your office?

Call the member services number on your card and ask to change your assigned dental office to Pearl32 Dentistry and Wellness, 24022 Calle De La Plata, Suite 450, Laguna Hills, CA 92653. The change often takes effect at the start of the next month. If you would rather we walk you through it, call (949) 830-0074 and we do it with you on the line, then book your first visit once the assignment shows on the roster the plan sends us.

This page is general information about coverage, not a quote. Your plan document governs what it pays, and your share is confirmed in writing after an examination.