Dental Insurance & Payment Options in Riverview

Yes. The office accepts most major PPO dental plans, including Cigna, Aetna, MetLife, Guardian, United Concordia, Humana, Ameritas, Principal, and Sun Life. Delta Dental and Florida Combined Life / BCBS are not currently accepted. Call (813) 586-1990 with your insurance card and the team will verify your benefits on the spot.

Most PPO plans cover preventive care (cleanings, exams, X-rays) at 100%, basic restorative care like fillings at 70–80% after your deductible, and major work like crowns at around 50%, up to an annual maximum that's typically $1,000–$2,000. The office gives you a written estimate of your share before treatment begins.

PPO benefits still work at out-of-network offices — you simply pay the out-of-network rate rather than the in-network rate, and in many cases the difference is modest. The team will tell you exactly what to expect before your visit. Note that HMO plans generally don't cover out-of-network care.

The Smile Studio Club membership plan: $430/year for adults or $300/year for children, including two cleanings, two exams, all required X-rays, two fluoride treatments, one emergency exam, and 20% off other services — with no deductibles, annual maximums, or waiting periods. A perio plan is available from $650/year.

Yes on both. CareCredit financing is available for larger treatment plans, and HSA and FSA cards are accepted — a good way to pay for dental care with pre-tax dollars.

The office's standing rule is no surprise bills: benefits are verified before your appointment, you get a cost estimate before treatment, claims are filed for you, and if your insurer processes something differently than estimated, the team follows up with you directly.