Skip to main content
Logo featuring McElroy Smiles text

Dental Insurance and Financing in Encinitas

Dr. Tyler McElroy talking with a patient about PPO insurance and financing at McElroy Smiles in Encinitas.

Most major PPO plans, financing, and a membership for everyone else

McElroy Smiles in Encinitas works with most major PPO dental plans and files your claims for you, even when we are out of network. If you are paying out of pocket or have no insurance, we offer financing through CareCredit, Proceed, and Sunbit, and a simple yearly membership, so cost never stands in the way of care.

Do you take my insurance?

We are in-network with most major PPO dental plans, and we are glad to file claims on your behalf even if we are out of network, so you get the most from your benefits. The easiest way to confirm your specific plan is to call us at (760) 621-8700, and our team will check it for you.

How does dental insurance work?

Most plans cover preventive care like cleanings and checkups in full, basic restorative work such as fillings at a larger share, and major work like crowns and extractions at a smaller share. Benefits usually reset each calendar year and do not roll over, so using them before year end matters. We help you make the most of yours.

What if I do not have insurance?

You still have good options. We partner with CareCredit, Proceed, and Sunbit, which split treatment into manageable monthly payments, subject to approval. For routine care, the McElroy Smile Membership covers your cleanings and exams for a simple yearly fee, with no insurance required.

We are in-network with most major PPO dental plans, and we file claims for you even when we are out of network. Call us at (760) 621-8700 with your plan details and we will confirm your coverage.

We partner with CareCredit, Proceed, and Sunbit, which let you spread treatment into manageable monthly payments, subject to approval. Our team will help you find the option that fits your budget.

Yes. The McElroy Smile Membership is a simple yearly plan that covers your routine preventive care without insurance. Ask us about it, and we will explain what it includes.

Frequently Asked Questions

World-Class Dentistry, Where You are Known by Name

(C) 2026 Greg McElroy DDS Inc, doing business as McElroy Smiles. All rights reserved