Dr. Barbara Young

Financial Options
Payment Methods Accepted
We want every phase of your appointment to be rewarding.  We’ll make

paying for your dental care as easy as possible. Our office accepts cash,

checks, and most major credit cards. If you're interested in setting up a

payment plan, we'll be happy to explain your options. CareCredit, a trusted,

third-party financing company, offers a variety of dental payment plans,

often with low or no interest for qualified applicants. Please see their

website (www.carecredit.com/apply) to learn how dental payment plans

can make achieving your dream smile easier than ever.

Insurance Information
We accept all indemnity insurance plans (plans that allow you to go to any dental office of your choice). We are a PPO provider with several dental insurances. Please call our office to confirm our participation. It is customary for our office to research benefits before your first visit. Our efficient front-office staff will accept your co-pay or deductible and then electronically file your claim and work with your insurance company to maximize benefits.

Why live a lifetime without a beautiful smile? Review the information on this website and give us a call. We will be happy to personalize your dental goals to achieve a healthy, beautiful smile.


Payment Options
Dr. Barbara Young and her staff are proud to be part of a team whose primary mission is to deliver the finest and most comprehensive dental services available.  In order to assist you with the investment in your dental health, we have outlined our payment policy below.

You are expected to pay for your office visits at the time of service.  We gladly accept cash, check, credit or debit cards.  We also work with most major dental insurances, and offer third party financing options.  We do offer a courtesy adjustment for cash or check payments and for prepayment of treatment.

Third party financing give our patients the opportunity to take control of their dental needs and treatment before more extensive treatment is needed.  We work with Care Credit financing company which offers 6 month interest free plans.

Dental insurance can be confusing....PPO, DHMO, HMO, indemnity?  Dr. Young and her Staff work with most major dental insurance companies.  We file your dental claims as a courtesy to our patients.  You will always be presented with a detailed treatment plan before any and all dental procedures are scheduled or completed. 

Commonly asked dental insurance questions...

  • Your dental insurance is based upon a contract made between your employer and an insurance company. Should questions arise regarding your dental insurance benefits, it is best for you to contact your employer or insurance company directly.
  • Dental insurance benefits differ greatly from general health insurance benefits. In 1971, your dental insurance benefits were approximately $1000 per year. Some 35 years later, you will note that your benefits are still $1000 per year. Figuring a 6% rate of inflation per year, you should be receiving over $5000 per year in dental benefits. Your premiums have increased, but your benefits have not. Therefore, dental insurance is never a pay-all; it is only an aid.
  • You may receive notification from your insurance company stating that dental fees are “higher than usual and customary”. An insurance company surveys a geographic area, calculates an average fee, takes 80% of that fee and considers it customary. Included in this survey are discount dental clinics and managed care facilities which bring down the average. Any doctor in a high quality private practice will have fees that insurance companies define as higher than “usual and customary”.
  • Many plans tell their participants that they will be covered “up to 80% or up to 100%” but do not clearly specify plan schedule allowance, annual maximum or limitations. It is more realistic to expect dental insurance to cover 35% to 65% of major services. Remember, the amount a plan pays is determined by how much the employer paid for the plan. You get back only what your employer put in, less the profits of the insurance company.
  • Some dental services are NOT covered by insurance companies.

Our expert team members are always willing to assist you with any questions regarding your
particular insurance company or benefits.


3764 Clairemont Drive, San Diego, CA 92117

​​(858) 273-7777