Payment Options

Quality Care,
Made Accessible

We believe financial concerns should never stand between you and exceptional dental care. Our team handles the complexity so you don't have to.

Our Approach

Care First. Paperwork Second.

At Ortega Cottage Dentistry, we work directly with your insurance provider and walk you through every financial step. Whether you're using your benefits or exploring financing, our team makes the process clear, transparent, and stress free, before treatment ever begins.

PPO Insurance Accepted

We accept most major PPO dental plans and verify your benefits before your visit.

Flexible Financing Available

CareCredit financing with monthly payment plans designed around your budget.

Complimentary Benefits Check

Not sure what your plan covers? Call us and we'll verify your benefits at no charge.

INsurance

We Work With Your Insurance

We're in-network with most major PPO dental plans and file claims on your behalf. Before your first appointment, our team verifies your benefits so you know exactly what to expect, with no surprises at checkout.

Not sure if we're in-network? Call us at (949) 749-2868 for a complimentary benefits check. We'll confirm your coverage and answer any questions before you come in.

Delta Dental

Aetna

MetLife

Cigna

United Healthcare

Anthem Blue Cross

Guardian

Most PPO Plans

Don't see your plan? Contact our team, if you have PPO coverage, there's a good chance we can work with it.

Flexible Financing

No Insurance? No Problem.

Through CareCredit, we offer convenient monthly payment plans that make it possible to move forward with the care you need, whether that's a routine cleaning or a full smile transformation.

CareCredit Healthcare Financing

CareCredit is a healthcare credit card accepted at thousands of providers. We use it to offer flexible monthly payment plans with no interest promotional options for qualifying applicants. Approval decisions are typically returned within minutes.

Cash, Check & Major Credit Cards

We accept all major credit cards, cash, and personal checks for any treatment. For larger treatment plans, we're happy to discuss how to sequence care around your budget.

HSA & FSA Accounts

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are accepted for most dental treatments. Using pre tax dollars through these accounts is one of the most effective ways to reduce your out of pocket costs.

Treatment Cost Estimate

Before any treatment begins, we provide a clear written estimate of costs, including what your insurance covers. We believe in full transparency so you can make confident, informed decisions about your care.

Book Now

Subject to credit approval. Minimum monthly payments required. Visit carecredit.com for full details. Collection of patient information by CareCredit is governed by CareCredit privacy practices.

Patient Reviews

Trusted by Patients Across San Juan Capistrano

“Dr. Kim and his staff were great. They made me feel comfortable and were very attentive. Also the office and equipment were brand new and very clean.I would recommend this Doctor to anyone.”

Joe E.

“I was very pleased with my experience. Dr. Kim and his assistant were very friendly and attentive throughout my exam and cleaning. I will definitely return. The office is new and sparkling clean too.”

Gary E.

“Dr. Kim is very knowledgable, uses state of the art equipment, and is meticulous in his work. The staff is very friendly and efficient. We are new to the area and very satisfied we found a good dentist.”

David F.

“Beautiful space, amazing staff! I had a great experience visiting Dr. Kim for treatment. I’m typically very anxious visiting dentists, but I was put at ease the moment I stepped foot inside his offices. Dr. Kim and his staff were very kind, thorough, attentive. I’m very impressed with the service I received. Will definitely be going back!”

Brandon Y.

“This office is super nice. Staff is great. Dr. MICHAEL KIM is an amazing dentist. He did a great job numbing me for my fillings. I was very anxious to go to the dental office until i had Dr. Kim do some restorative work on me. I’d recommend this office to anyone that wants a caring and kind dentist.”

Taka F.

Frequently Asked Questions

Get answers to commonly asked questions.

Book an Appointment

Request an Appointment

Please contact us to request a future appointment with Dr. Michael Kim at Ortega Cottage Dentistry in San Juan Capistrano. Thank you!

Advanced, conservative dental care in San Juan Capistrano, guided by Kois-trained precision and genuine warmth.

27382 Calle Arroyo, San Juan Capistrano, CA, 92675

(949) 749-2868

Languages Spoken:

English and Spanish

Quality Care, Made Accessible