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Reflections Dental Spa
Family & Cosmetic Dentistry

Financial Info

We know that financial concerns are a priority for everyone. You deserve the highest quality dental care, and you shouldn't have to compromise because of budgetary concerns. 

At Reflections Dental Spa, your concerns are important to us. Our team will discuss your options and work with you to ensure that you are able to get the care you need, when you need it. If you are considering dental treatment but have questions about finances, please don't hesitate to call our office at (925) 830-9800.



We know that when it comes to dental insurance, you probably feel like you have more questions than answers.

You aren't alone!

Understanding the ins and outs of insurance can be overwhelming, but we are here to help. We are in-network with most PPO plans and will bill your insurance for your convenience. 

At the current time, we are in-network with most PPO plans. However, this list is updated frequently, so if you don't see your plan here, please call our office for assistance.

American General
Anthem Blue Cross
Bay Area Delivery Drivers
Blue Cross/Blue Shield
Delta Dental
First Dental Health
Lincoln National Life
MetLife - Tricare
Mutual of Omaha
National Elevator Health Plan
Premera Blue Cross
Premier Access
United Concordia
United Health Care


CareCredit interest-free financing works like a credit card for your healthcare needs. This plan offers interest-free financing and manageable monthly payments. Simply pay your balance within the agreed time period, and you won't be charged any interest!

If you would like more information about CareCredit, please let our receptionist know and she will help you with the easy application process

Other Forms of Payment

At Reflections Dental Spa, we are happy to accept cash, personal checks, MasterCard, Visa, and Discover.

Frequently Asked Questions

You have a right to be an active participant in making decisions about your dental treatment. We work with complete honesty and integrity and won’t ever push or oversell a treatment. We’ll answer your questions and make recommendations, but it is ultimately up to you as to whether or not you choose to receive a certain service. 

Since it’s so important for you to be part of the process, we focus on patient education. Making sound decisions about your treatment is easy when you are armed with information. State-of-the-art diagnostic technology at Reflections Dental Spa allows us to share and educate you about why treatment is necessary.

Panoramic digital x-rays allow us to look deep inside your tooth, then show you the results on a chairside monitor. Dr. Thomas can highlight and zoom in on the images to give you an in-depth understanding of the problem. Intraoral cameras are effective for viewing the inside of your mouth, and we can view these images together so we can pinpoint the problem for you. CariVu transillumination lights up your tooth so Dr. Thomas can identify decay or fractures before they become a problem. 

When you can see what we see, you are better able to understand the need for a particular treatment. We answer all your questions thoroughly because we want you to feel confident when you make a decision about treatment.

We get a lot of questions about dental insurance! The truth about dental insurance is that it is not a true insurance to cover a loss. It is a contract usually between your employer and the insurance company to help employees pay for dental care. 

The plan specifications are based on what the employer purchased as far as the amount of benefits and premium is concerned. So to accommodate budget restrictions of the employer, each insurance company creates various restrictions to make it profitable for the insurance as well as affordable for the employer. Most benefit plans cover only part of the cost.

An in-network provider of an insurance company has contracted with that company to provide services at a discounted fee for its members. They are contractually obligated to collect the patient portion or co-pay not to commit insurance fraud. Insurance helps patients get recommended care since there is more compliance from the patient due to perceived benefit from the insurance.

We try our best to estimate your portion based on the insurance breakdown provided by the company. Sometimes pre-estimates are sent. Irrespective of all this and the best of our intentions, plans change mid-year, employers change options mid-year, insurance policy changes occur, and frequency limitations or procedural limitations can occur.

We expect you to inform us if any changes have taken place in your enrollment, coverage or insurance. We work with multiple insurance companies, and without your input and help, it is impossible to keep current on your benefits. We bill your insurance companies as a courtesy to you, but ultimately you are responsible for your accounts.

We at Reflections Dental Spa, always try to work with your individual situation and work with your insurance. We are in-network with most of the PPO plans to help you maximize your benefits.

Ultimately our duty lies with you as our patient, and our diagnosis and treatment recommendations are based on what are in your best interest and not what the insurance dictates. Any help from them in improving and maintaining your dental health is a bonus. But determining your treatment needs solely on what your insurance dictates can be detrimental to your dental health.

Our patient Coordinator Carlene, can answer you any questions or concerns you have regarding your insurance benefits and coverage. We strive to build our practice on the principles of honesty and integrity and are passionate about oral care!

Our goal is to provide you with a calming and soothing experience with us that is unlike anything you have ever had at a dental office. We take the best state-of-the-art dental technology and combine it with relaxing complimentary spa treatments that make your visit comfortable – and even pleasurable!

At Reflections Dental Spa, we put your needs first. We know that dental visits aren’t popular because they’re associated with stress and discomfort. Our team of professionals is dedicated to ensuring that you are comfortable and relaxed while we provide you with the treatment you need. We work hard to show you that high-quality care can be delivered in a setting that will put you at ease every time you visit.

Our office is warm and welcoming, and we offer anxiety-reducing amenities like flat screen TVs and massage chairs in our treatment rooms to help you feel at home. Complimentary spa services like warm scented towels, moisturizing gloves, eye masks, and aromatherapy help us pamper you so you can relax in our soothing environment.

With all our great complimentary spa services, you never have to avoid a dental visit again! If you have been putting off dental treatment, we would love the opportunity to show you the difference that supportive, gentle care can make. Please call us to arrange an appointment at our comfortable San Ramon dental office.

If you have difficulty using our website, please email us or call us at (925) 830-9800
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WE HAVE MOVED!! We are  located at 2202 CAMINO RAMON, SAN RAMON, 5 minutes from our old location. See you soon!