Financial Policy

While our goal here at Montclair Dental Care is to maximize your insurance to make any balance easily affordable, full payment is expected when any services are performed. If you have any questions regarding your insurance benefits, please do not hesitate to call our office at (510) 328-7792 so our team can review your concerns. We currently accept most dental insurance programs, including:

  • Non-Managed Care
  • Traditional Indemnity
  • Out of Network PPO

We do not currently accept HMO plans or Medi-Cal.

The fees we charge are based on the quality of materials our doctors use and the experience in performing necessary and requested treatments. To facilitate our goals, we currently accept the following major credit cards:

  • Visa
  • Mastercard

We accept following Payment Methods

Payment methods that we accept

We also accept cash, personal checks, and money orders for payment. Suppose you cannot make the complete payment at the time of service. In that case, we are proud to offer our patients extended payment plans for as little as $50 a month for up to 2 years for any qualified applicant (based on CareCredit approval).

To review your insurance and financial options with our office, please call and speak with one of our friendly team members in advance of treatment at (510) 328-7792. When you call our office, you can verify if we accept your dental insurance type.



CIGNA offers a variety of dental plans and dental insurance to our Oakland area patients, including CIGNA Dental PPO and CIGNA Traditional.

Delta Dental

Delta Dental Logo

Delta Dental Plans Association is a not-for-profit organization with some for-profit affiliates as member companies. Through its 39 independent member companies, it offers national dental coverage to our Oakland dental patients – administering programs and reporting systems that provide employees and individuals with quality, cost-effective dental benefits and superior customer service.


MetLife Logo

MetLife offers our Oakland area patients a range of competitively priced dental insurance benefits plans for companies of all sizes.



Kenneth L. Childers, DDS, is a highly experienced and dedicated dental professional, serving Piedmont and Oakland for over 20 years. A graduate of St. Louis University Dental School, Dr. Childers is a member of the American Dental Association and the California Dental Association. He has held prestigious positions, such as Past President of the Alameda County Dental Society and the Montclair Business Association. Dr. Childers began his journey at the College of the Desert, where he discovered his passion for science. His extensive expertise, commitment to patient care, and community involvement make him a dentist you can trust for your care.