Forms & Financing in San Marcos

You are not required to, but we strongly recommend it. Completing your new patient forms in advance saves time at your appointment, gives Dr. Shridhar the opportunity to review your health history before you arrive, and allows the team to verify your insurance benefits ahead of time so there are no surprises. Patients who complete forms in advance typically have a smoother, more focused first appointment. If you prefer to complete forms in the office, please arrive 15 minutes before your scheduled appointment time.

The forms ask for your basic personal and contact information, your dental and medical health history, a list of any current medications and supplements, your dental insurance information if applicable, and a description of any current dental concerns or goals. Having your insurance card handy when you fill out the forms will make the process faster.

Our team will verify your insurance benefits before your appointment and contact you if there are any questions. We will let you know your estimated out-of-pocket costs for planned treatment before any work begins. If you want to understand your coverage in more detail before scheduling, you can also call your insurance provider directly using the member services number on the back of your card — or call our office and we will help you interpret your benefits.

Call our office and let us know your insurance plan. Tree of Life Dentistry works with many out-of-network plans and submits claims on behalf of patients regardless of network status. Patients with out-of-network PPO coverage often receive meaningful reimbursement — the exact amount depends on your plan’s out-of-network benefits. Our team will help you understand what to expect before your appointment.

Sunbit financing can be used for any service at Tree of Life Dentistry — including treatments that insurance typically does not cover, such as dental implants, Invisalign, veneers, Lumineers, teeth whitening, and cosmetic procedures. It can also be used alongside insurance benefits to cover your remaining out-of-pocket balance after your plan has paid its portion.

Sunbit uses a soft credit check for its initial application, which does not affect your credit score. The application takes seconds to complete and most applicants receive an instant decision. If you are approved and choose to proceed with a payment plan, the terms of the plan will be disclosed clearly before you commit to anything.

The membership plan is designed primarily for patients who do not have dental insurance. It provides a straightforward annual fee structure that covers preventive services and offers discounted rates on additional treatment — without the complexity of traditional insurance. It is also an option for patients whose insurance does not fully cover the services they need, or who want a predictable, no-surprise cost structure for their dental care. Visit the Membership Plan page for full enrollment details.

The current new patient special is designed to reduce the cost of your first visit and make getting started at Tree of Life Dentistry as accessible as possible. Visit the Special Offer page on this website for current details, or ask a member of our team when you call to schedule — 760-294-2571.

Yes. If your treatment has a remaining balance after your insurance has paid its portion — due to a deductible, an annual maximum, or a service that is only partially covered — Sunbit financing can be applied to that remaining balance. Using both allows patients to access the care they need without having to pay the full out-of-pocket cost in a single payment.

Please talk to us. Tree of Life Dentistry is genuinely committed to making care accessible, and there are usually more options available than patients realize. Between in-network insurance benefits, Sunbit payment plans, and the in-house membership plan, the team at Tree of Life Dentistry will work with you to find an approach that makes your treatment financially manageable. The worst outcome for everyone is a patient who delays necessary care because they assume they cannot afford it — most of the time, a conversation with our team reveals a workable path forward.