Kalaheo Dental Group
Dr. Michael Lutwin, DDS and Dr. Ron Quade, DDS

Financial Information

We don’t ever want you and your ohana to go without dental care because of financial concerns. Our goal is to provide you with the convenient payment options you need to maintain a healthy smile.

If you ever have a concern about covering the cost of your dental care, please don’t hesitate to contact our office. Our knowledgeable Insurance/Financial Coordinators will work with you to ensure that you get the care you need without stress and worry.


We will be happy to bill all insurances for our patients, including AARP, Aflac, Anthem, Blue Cross/Blue Shield, and many others.

We are currently participating providers, in-network, with the insurance providers listed below:

  • Aetna

  • Cigna

  • GEHA Connection Dental

  • HDS (Hawaii Dental Service)

  • HMSA (Hawaii Medical Service Association)

  • HMAA (Hawaii Medical Assurance Association)

  • Humana

  • Delta Dental

  • Metlife

  • United Concordia TRICARE PROGRAM

  • United Concordia

  • United Concordia for Active Duty Members (ADDP)

If you would like to know how much insurance is estimated to pay before any services are completed, we can check online or file for preauthorization before any treatment is completed in the office. Since we don't have contracted fees with insurance companies we are out of network with, you are responsible for the difference in balance between insurance fees and our private fees.


Care Credit

CareCredit offers a way for you to get the dental care you need at our Kalaheo office now and then pay off the balance in manageable monthly installments. You can decide on a monthly amount that fits your budget, and interest-free options are available.

CareCredit is great for dental care, but it can also be used for other health, wellness, and beauty expenses like hearing care, Lasik, cosmetic procedures, and even veterinary costs! Applying is easy at our office or at CareCredit.com.

In-Office Payment Plans

In addition to Care Credit financing for your dental treatment, we are also pleased to offer in-office payment plans for your convenience. Our “Easy-Pay” plan allows you to pay your balance in monthly installments that we automatically bill each month using your credit/debit card on file at our office.

Our monthly Prepayment Plan allows you to build up credits at our office that can be used to pay for future oral healthcare.

Kalaheo Dental Group Membership Plan

Kalaheo Dental Group is also now offering a membership plan. With an annual membership fee of $350, members would be entitled to the following preventative services (valued at $596) and large discounts on almost all needed dental treatments:    

Included with yearly membership:

  • 2 Regular Prophylactic Cleanings
  • 2 Exams
  • 1 Set of X-rays (Bitewings, Panoramic or Full Mouth Series)
  • 2 Fluoride Treatments (for Children 0-18)


  • 20% off almost any Dental Treatment*, including Custom Whitening Trays.

*Does not apply to Invisalign, GLO whitening, or oral health products sold at Kalaheo Dental Group. Discounted fee applies to dental treatment provided at Kalaheo Dental Group only, and excludes any services performed by outside specialists who we may refer to. Membership and discount cannot be transferred, and unused services cannot be carried over to another year. 

Other Forms of Payment

Copayment is due at the time of service. We accept cash, checks, and credit/debit cards, including Visa, MasterCard, Discover, American Express, JCB, and Diners Club International.

Frequently Asked Questions

Asking Questions | Accepting New Patients Kalaheo HIAbsolutely! We’re proud that the majority of our new patients come to us by a recommendation from a trusted family member or friend. If someone you know has referred you to Kalaheo Dental Group, or if you’ve seen one of our oral health presentations or ads, give us a call and we’ll be happy to see you soon.

Schedule Appointment | Dentist in KalaheoWe're Looking out for Your Oral Health

Your oral health is a basic pillar of overall health and wellness, so your “routine cleaning” is not “just routine” to us. Kalaheo Dental Group believes in preventing and fixing problems, not overlooking them. An initial visit to our office for a cleaning always includes a thorough examination and consultation by one of our excellent dentists.

A Thorough Checkup

Your cleaning will also include checkup digital radiographs as needed, intra-oral photos, a TMJ (jaw joint) assessment, and an oral cancer screening, as well as a dental and periodontal health check-up. Not only is this the gold standard of care, but more and more, new research supports the connection between oral health and overall wellness. We care about the whole you, not just your teeth!

Contact Us

Our patient's health and oral wellness is our primary concern. Contact us today to schedule your check up. 

At Kalaheo Dental, we do not recommend night guards for children, as this can hinder the proper growth and development of their facial structures. Studies show that around 3 out of 10 kids grind their teeth at night, even to the point it extremely audible and almost painful to hear by us adults! The good news is that with most children, this is just a natural process as new teeth are erupting and facial structures are rapidly changing, and both are not always in proper alignment. They will grow out of it! If you feel there could be other underlying conditions, you may want to speak to your child's pediatrician. There are some cases where stress, mild dehydration, and/or lack of vitamin B5, and the minerals calcium and magnesium may be an underlying factor.

Piece Of Paper With Question Mark On ItWe offer several payment options to allow your dental treatment to fit your personal budget. We accept the following forms of payment:

  • Cash
  • Personal Checks
  • Credit Cards: American Express, Mastercard, Visa, & Discover
  • CareCredit financing
  • Easy-Pay: We also offer in-office payment plans for your convenience. Our “Easy-Pay” plan allows you to pay your balance in monthly installments that we automatically bill each month using your credit/debit card on file at our office. 


Dental Appointments Kalaheo HI Your oral health is a basic pillar of your overall health and wellness. New research supports the connection between oral health and overall wellness.

The Rise of Gum Disease

A recent study by the CDC (U.S. Center for Disease Control and Prevention) reports that roughly 50% of U.S. adults over the age of 30 have some form of periodontal (or gum) disease. That number increases to 70% for folks 65 years old and over. Growing scientific evidence supports that this is more than simply a problem of receding gums, bad breath, and tooth loss.

Do an online search for “gum disease,” “tooth decay,” and “health” and you’ll find studies linking oral health to whole body wellness. Gum disease is often a silent disease of chronic bacterial infection and inflammation, and as such, studies now link poor oral health to systemic diseases, including heart disease, diabetes, and stroke. 

Consistent Maintenance Is the Key to Oral Health

Consistently maintaining your oral hygiene is vital to avoiding dental problems and potentially serious health issues. And yes, professional dental cleanings can improve bad breath and give teeth a healthy, clean appearance. While regular home care like brushing for two minutes, twice a day and flossing daily are necessary you should visit your dentist for regular cleanings at least twice a year. Teeth cleanings are key to preventing, detecting and correcting initial problems such as cavities and gingivitis before they escalate into more serious issues. 

Contact Us for a Thorough Exam

In addition to a comfortable, professional cleaning with one of our excellent dental hygienists at Kalaheo Dental Group, your cleaning will also include a TMJ (jaw joint) assessment, an oral cancer screening, intraoral photography, and digital radiographs as needed. At Kalaheo Dental Group, your “routine cleaning” is not “just routine” to us. We care about the whole you, not just your teeth! Give our office a call to schedule an appointment. 

If you have difficulty using our website, please email us or call us at (808) 332-9445
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We don’t ever want you and your ohana to go without dental care because of financial concerns. Kalaheo Dental Group has convenient payment options and is now offering our very own membership plan, a popular choice for individuals who do not have insurance, are self-employed or are senior citizens.  Contact us today for more information.