Lotus Dental Group · San Jose, CA

A Dentist Who Accepts Your Insurance in San Jose

We accept virtually all major U.S. dental plans — and handle the paperwork for you.

Accepts All Insurances4.7★★★★★4.7★★★★★

Short answer

Lotus Dental Group in San Jose accepts and bills virtually all major U.S. dental plans, including Delta Dental, MetLife, Cigna and Aetna. We verify your benefits before your visit, give you an estimate for anything beyond routine care, and file the claim for you. No insurance? Our in-office savings plan includes a yearly exam, X-rays and a cleaning.

Dental insurance plans we accept and bill

Delta Dental dental insurance accepted at Lotus Dental Group

Delta DentalPPO & Premier

MetLife

Cigna

Aetna

Guardian

UnitedHealthcare

Blue Shield of California

Humana

Principal

Ameritas

Sun Life dental insurance accepted at Lotus Dental Group

Sun LifeAssurant

United Concordia

Anthem Blue Cross

We also accept GEHA / Connection Dental, Lincoln Financial, Careington, Premier Access / Access Dental, Dental Health Services and many other PPO and indemnity plans. Not listed? Call (669) 222-8315 and we will check.

How billing works at our office

We verify your benefits

Before your appointment we confirm your coverage levels, deductible and remaining annual maximum.

You get an estimate in writing

For anything beyond a routine visit, you see your expected out-of-pocket cost before we begin.

We file the claim for you

You pay only your portion at the visit instead of paying in full and waiting on reimbursement.

We help before benefits reset

Most dental plans reset at the end of the calendar year, and unused benefits do not roll over.

Which kind of plan do you have?

PPO plans

You choose your dentist, and the plan pays a percentage of treatment. Most employer plans work this way, and these are the plans we see most often.

Indemnity plans

The plan pays a set share of treatment at the dentist you choose. We accept many indemnity plans and file the claim for you.

HMO-style plans (DHMO, DMO)

These generally pay only at a dentist assigned by the plan. If your card shows one, call us before booking so we can check how your plan applies.

No insurance

Our in-office savings plan includes a free annual exam, check-up X-rays and a regular cleaning, with discounts on most treatment and no waiting periods.

See the full dental savings plan details, or browse every treatment we offer under one roof in Willow Glen.

Dental Insurance Questions

Does Lotus Dental Group accept my dental insurance?

Very likely. We accept virtually all major U.S. dental plans, plus many other PPO and indemnity plans not listed on this page. Call (669) 222-8315 with your member ID and we will confirm it before your visit.

Is Lotus Dental Group in-network with my plan?

It depends on the plan, so we check rather than guess. Call with your member ID and our team will verify how your plan treats our office and what your share is likely to be before you book.

Will you file my insurance claim?

Yes. We submit the claim for you, so you pay only your portion at the visit instead of paying in full and waiting on reimbursement.

How do I know what my visit will cost?

We verify your coverage, deductible and remaining annual maximum before your appointment. For anything beyond a routine visit, you get a written estimate before we begin.

What happens to unused dental benefits at the end of the year?

On most plans they do not roll over. Most dental plans reset at the end of the calendar year, so it is worth checking what remains on your plan before then. We can look it up for you.

What if I do not have dental insurance?

Our In-Office Dental Savings Plan includes a free annual exam, check-up X-rays and a regular cleaning, with discounted rates on most treatment and no waiting periods.

Our Blogs

A patient checkup at Lotus Dental Group's Willow Glen office in San Jose 95125

October 28, 2026

Your First Cleaning in Willow Glen: What 95125 Families Can Expect

Quick answer: A first cleaning at Lotus Dental Group in Willow Glen usually takes 60 to 90 minutes. We review your health history, take any X-rays you need, clean and polish your teeth, and Dr. Prathima Chawla, DMD, does a full exam of your teeth, gums and bite. Children from age four can be seen the same day as their parents, and most PPO plans cover the visit as preventive care.

A modern treatment room at Lotus Dental Group in San Jose where root canals and extractions are performed

October 21, 2026

Root Canal or Extraction? How a San Jose Dentist Decides

Quick answer: If a tooth can be saved, a root canal is usually the better choice — it keeps your natural tooth, protects your bite and costs less over time than replacing the tooth. An extraction makes sense when the tooth is cracked below the gumline, too broken down to rebuild, or has lost too much bone support. At Lotus Dental Group, both treatments — and the implants or bridges that replace an extracted tooth — happen in one Willow Glen office, so the recommendation is based on your tooth, not on who does which procedure.

A dental exam room at Lotus Dental Group in San Jose used for gum disease evaluations and treatment

September 14, 2026

Bleeding or Receding Gums? What Gum Disease Treatment Actually Looks Like

Quick answer: Bleeding gums are not normal — they are usually the first sign of gum disease, and the earliest stage (gingivitis) is fully reversible with the right cleaning and home care. Left untreated, it can progress to periodontitis, which needs a deeper professional cleaning and ongoing maintenance to control. At Lotus Dental Group, gum disease is diagnosed and treated in the same office as the rest of your care — no referral to a separate periodontist required.

Dr. Prathima Chawla and her team have treated gum disease in Willow Glen and San Jose for more than 25 years, from the first sign of bleeding gums through ongoing periodontal maintenance.