This place is a scam. They begin by running your credit score, not by anything related to your teeth.
I fell for the scam and had an xray and cleaning, which were covered at 100% by my MetLife insurance. The "estimated invoice" from Western Dental even shows that I should owe $0 for the xray. However, there are different kinds of xrays (apparently), and the patient needs to know that. Insurance won't necessarily cover the work that Western Dental does, even if the WD paperwork says it is covered. Of course, they get away with this by the "this is only an estimate" disclaimer.
Also, after looking at my credit score and insurance coverage, they were telling me that I needed 8 procedures done. And here are multiple payment plans that will work for me, given my credit score.
I began seeing the scam at this point and left. I went to an actual dentist and he said I most definitely did not have those 8 problems.
Bottom line: scam
Monetary Loss: $97.