Dental Insurance Information

Patients with Insurance Coverage

“In-Network” Provider Information

We are “in-network” providers for  the following:

  • Assurant Heritage SBA Plan (HMO)
  • Assurant PPO
  • Assurant 15% Discount Plan
  • Aetna PPO
  • Cigna PPO
  • CompBenefits DHMO / Humana (CS-150, 250, 350,450,PS 220, AVF 1, 2, 3, 4 and AVN)
  • CompBenefits / Humana 25% Discount Plan
  • Delta Dental
  • Florida Combined Life
  • Logistics Health
  • MetLife
  • SafeGuard / MetLife 25% Discount Plan
  • United Concordia

“Out-of-Network” Provider Information

For other insurances, we provide care as an “out-of-network” provider for most open access or traditional indemnity plans.

Payment / Co-Payment

We will happily work with you to confirm your insurance benefits and estimated co-payment.

We will gladly accept your estimated portion of the treatment fee and bill your dental insurance. In order for us to do this, we require that you leave a credit card on file. There are many factors involved in estimating your insurance reimbursement accurately (see below). In the unlikely event your insurance does not pay the estimated amount, our office will charge the uncovered portion to your credit card.

If you choose not to leave a credit card on file, our office will require full payment for today’s treatment.  We will gladly submit your insurance claim and you will receive a check directly from your insurance company in the amount covered.

Evaluation & Consultation

If we only provide endodontic evaluation (limited evaluation, consultation): This consists of an examination and testing, discussing the likelihood of maintaining the tooth and treatment options available to you.  Payment is due at the time of service.


If we provide treatment: Fifty percent of the total will be required when we begin treatment and the balance due upon completion of treatment. If we complete treatment in a single visit, payment is due at the time of service.

Those with “in-network” dental insurance: We will estimate the portion your insurance is going to pay.  Since this varies for each individual, usually 25-75% of the cost of the procedure is required at the time of service.  We will bill your insurance for you.  Please keep in mind, however, insurance companies routinely indicate that coverage verification does not guarantee payment.

If your insurance pays more than the estimated amount, a refund check from this office will be mailed within 1 month from the date payment is received in this office. We usually batch them at the end of the month.

If your insurance pays less than the estimated amount, you will receive a statement from this office. We usually do not send monthly statements so prompt attention is greatly appreciated!

NOTE: If your insurance company does not reimburse us after 2 submissions, you will be responsible for the remainder of the balance since we were unable to collect from them.

Our Bottom Line on Insurance

The factors stated above make determining the reimbursement level of your insurance very difficult to estimate accurately. We will assist you to the best of our ability in obtaining the maximum benefits from your insurance. We will only recommend treatment according to what is best for you, not according to your insurance benefits.