Insurance we accept
We verify your plan before your visit — call and we'll do the work. One phone call to (813) 820-0071 and we'll tell you exactly what your plan helps pay for.
The two questions we hear most
Here are the plain answers, up front. No fine print to hunt for.
“Do you take my plan?”
Very likely, yes. We're in-network with most major dental PPO plans and select HMO plans, including Delta Dental, Cigna, Aetna, Humana, Guardian, MetLife, UnitedHealthcare, Anthem Blue Cross Blue Shield, and United Concordia. Don't see your plan here? Call (813) 820-0071 and we'll check for you — it usually takes just a few minutes.
“What about Medicare?”
We're in-network with many Medicare Advantage dental plans, and we can provide limited services under Original Medicare. Participation varies by plan and county, so call us first with your card in hand — we'll verify your specific plan before you come in. Our Medicare page explains how it all works, step by step.
How dental insurance works
Almost every dental plan is one of two kinds: a PPO or an HMO. Here's the difference in plain English.
PPO plans — more freedom, slightly higher cost
A PPO lets you see almost any dentist, usually without a referral. You pay a little more each month in exchange for that freedom. Because Dental Day is in-network with most major PPOs, your out-of-pocket costs here stay on the lower end.
More about PPO costs and coverage
What you typically pay
- A monthly premium, plus a yearly deductible — often $50 to $150 — before the plan starts helping.
- A share of each service (called coinsurance) after the deductible.
- Most PPOs cap what they pay each year at $1,000 to $2,000. That cap is your “annual maximum.”
What plans typically help pay for
- Preventive care (cleanings, exams, X-rays) — many plans pay this in full.
- Basic services (fillings, simple extractions) — often 70–80% after the deductible.
- Major services (crowns, root canals, dentures) — often around 50%.
Waiting periods
- New plans often make you wait 3 to 12 months before helping with basic or major work. Preventive care usually has no wait.
HMO plans — lower cost, smaller network
An HMO usually costs less each month and uses set copays, so you know the price of each visit ahead of time. The trade-off: you must use dentists in the plan's network, and you may need a referral to see a specialist. We accept select HMO plans — call and we'll check yours.
More about HMO costs and coverage
What you typically pay
- A lower monthly premium than a PPO.
- A fixed copay for each service instead of a percentage — predictable and easy to budget.
- Many HMO plans have no annual maximum, so benefits don't “run out” mid-year.
What plans typically help pay for
- Preventive care — many plans pay this in full when you stay in-network.
- Other services — set copays from the plan's fee schedule, rather than percentages.
Waiting periods
- Some HMO plans apply a 6 to 12 month wait for major work like crowns or dentures. We'll check your plan's rules before scheduling.
Whichever kind you have, we do the paperwork. We verify your benefits, estimate your costs in writing before treatment, and file your claims for you — so you don't have to stress over any of it.
Dental insurance questions, answered
These are the questions patients ask us every week. Tap a question to read the answer.
What is the difference between PPO and HMO dental plans?
PPO: more freedom — see almost any dentist, usually no referrals, and you can go out-of-network. HMO: lower cost with set copays, but you stay in the plan's network and may need referrals. We're in-network with most major PPOs and select HMOs.
Does insurance cover crowns?
Many plans help pay about half the cost of crowns and other major services, often after a waiting period. Every plan is different — call us and we'll verify your benefits and give you a written estimate before any treatment begins.
Are there waiting periods?
Many plans have them. Basic services like fillings often have a 3–6 month wait, and major services like crowns and dentures often wait 6–12 months. Preventive care usually has no wait. We'll check your plan's dates so there are no surprises.
What is an annual maximum — and what if I go over it?
Most PPO plans cap what they pay each year, commonly $1,000–$2,000. If you reach the cap, you pay the remaining costs until your plan renews. We offer payment options, and we can often schedule treatment across two benefit years so your insurance helps twice.
How do I find out if a procedure is covered before I say yes?
Call us at (813) 820-0071 with your insurance card handy. We contact your plan, confirm your benefits, and give you a written cost estimate before anything starts. You'll never be surprised by a bill you didn't expect.
Can I get dental insurance if my job doesn't offer it?
Yes. Many companies sell individual dental plans you can buy on your own — often at modest monthly cost. Before you buy one, compare it with our in-house membership plan — for many patients it's the simpler choice, with no waiting periods or claim forms.
Is orthodontics (braces) covered?
Some plans help pay part of the cost of braces for children. Adult orthodontic coverage is often limited or not included at all. We'll check your plan's orthodontic benefit before you commit to anything.
What if my claim is denied?
Don't pay it and don't panic — bring us the denial letter, or call the office. We'll help you resubmit the claim or file an appeal, and we'll explain what the insurance company is asking for in plain language.
No insurance? You still have a simple option. Our in-house membership plan starts at $29 a month and covers your routine care with savings on other treatment — no claims, no deductibles, no waiting.
New patients welcome
Make today a Dental Day.
Call now — in most cases we can see you for a complete exam the same day.