Insurance & Financing
We accept most major PPO plans and offer flexible options for every budget.
Insurance & Benefits
Making the most of your dental benefits.
Dental insurance can be confusing — deductibles, annual maximums, in-network vs. out-of-network, waiting periods. Our team handles the complexity so you do not have to. We verify your benefits before every appointment, file all claims on your behalf, and give you a clear, honest estimate of your out-of-pocket costs before any treatment begins.
We accept most major PPO dental insurance plans and will do everything we can to maximize the value of your coverage. For patients without insurance — or those who have exhausted their annual maximum — we offer CareCredit financing and our own in-house Smile Studio Club membership plan.
Ready to verify your benefits? Call us at (813) 586-1990 and have your insurance card handy. We will look up your coverage on the spot.
How we handle your insurance
From verification to claim filing — we take care of it.
Verify your benefits before your appointment
Provide a clear cost estimate before treatment
File all insurance claims on your behalf
Follow up on unpaid or denied claims
Help you understand your Explanation of Benefits
Coordinate treatment timing to maximize annual benefits
Offer financing for costs beyond your coverage
Coverage
Accepted insurance plans
We accept most major PPO dental insurance plans. Do not see yours listed? Call us — we likely accept it.
Network
Zelis
Plans billed through the Zelis network
- Ameritas (Classic PPO & Plus)
- Blue Cross Blue Shield of Illinois (BlueCare Dental PPO)
- Blue Cross Blue Shield of New Mexico
- Blue Cross Blue Shield of Oklahoma
- Blue Cross Blue Shield of Texas
- Beam Dental
- Cigna Dental DPPO
- Colonial Life Insurance Company (via Unum Dental)
- Companian Life Insurance Company
- Dental Select (through Ameritas)
- Guardian
- Lincoln Financial Group
- MedBen / Medical Benefits Administrators (Guardian)
- MetLife PDP Plus & Federal
- Mutual of Omaha
- Physician's Mutual Insurance Company
- Principal Life Insurance Company
- Reliance Standard Life Insurance Company & First Reliance Standard Life Insurance Company (via Ameritas)
- Renaissance Dental
- Security Life (via Ameritas)
- Standard Insurance Company and Standard Life Insurance Company of New York (via Ameritas)
- Starmount Life Insurance Company (through Ameritas)
- Unum Dental / Always Care
- United Concordia (Elite)
Network
Connection Dental
Plans billed through the Connection Dental network
- Aetna
- Altus Dental, Inc.
- Dominion National
- GEHA
- Humana
- Preferred Health Professionals
- Solstice Benefits, Inc.
- Sun Life Financial Inc.
- United Healthcare
Network
Direct Contracts
Direct contract — billed independently
- Florida Combined Life
Please note: We do not currently accept Delta Dental. If you have a plan we do not accept, we would be happy to discuss our Smile Studio Club membership plan as an affordable alternative — or you can use your out-of-network benefits if your plan allows it. We accept most PPO Plans.
Understanding Your Benefits
In-network vs. out-of-network — what it actually means.
In-network means the dentist has a contract with your insurance company and has agreed to a set fee schedule. Your insurance pays a higher percentage, and your out-of-pocket cost is typically lower.
Out-of-network means the dentist does not have a contract with your insurer, but — if you have a PPO plan — you can still use your benefits. Your insurance will pay a percentage of the "usual and customary" rate for your area, and you pay the difference. For many patients, the out-of-pocket difference between in-network and out-of-network is smaller than expected.
HMO and DHMO plans are different — they typically require you to see only in-network providers and do not pay anything for out-of-network care. If you have an HMO plan and we are not in your network, our Smile Studio Club membership plan is often a more cost-effective option than paying full out-of-pocket rates.
Bottom line: Even if we are out-of-network with your PPO plan, you will likely still save money compared to paying full price — and you get to choose the dentist you trust.
PPO — In-Network
- — Dentist has a fee agreement with your insurer
- — Insurance pays the highest percentage
- — Lowest out-of-pocket cost for you
- — Claims filed automatically
PPO — Out-of-Network
- — You can still use your PPO benefits
- — Insurance pays based on "usual & customary" rates
- — You pay the difference — often modest
- — Full freedom to choose your dentist
HMO / DHMO
- — Must use in-network providers only
- — No out-of-network benefits
- — Our Smile Studio Club is a strong alternative
- — Call us to discuss your options
CareCredit
Healthcare credit card — apply in minutes
0% APR promotional financing available
Apply online or in our office in minutes
Use for any treatment — no minimum
Accepted at thousands of healthcare providers
Flexible repayment terms: 6, 12, 18, or 24 months
Covers costs beyond your insurance maximum
Works alongside your dental insurance
Flexible Financing
Don't let cost delay the care you need.
CareCredit is a healthcare credit card accepted at Omni Dental Studio that lets you pay for treatment over time with convenient monthly payments. Many plans offer promotional 0% APR periods — meaning you pay no interest if the balance is paid in full within the promotional window.
CareCredit is especially useful for larger treatments like dental implants, Invisalign, or smile makeovers — where the cost exceeds your annual insurance maximum. It can also be used alongside your insurance: your insurance pays its portion, and CareCredit covers your remaining balance.
Applying takes just a few minutes online or in our office. Approval is typically instant, and you can use your card the same day. Our team is happy to walk you through the process.
No Insurance? No Problem.
Smile Studio Club vs. traditional dental insurance
Our in-house membership plan was built for patients who do not have dental insurance — or who want a simpler, more predictable alternative. Here is how it compares.
| Feature | Traditional Insurance | Smile Studio Club |
|---|---|---|
| Annual cost | Varies — often $600–$1,800/yr in premiums | $300/yr (children) · $430/yr (adults) |
| Waiting periods | Often 6–12 months for major work | None — benefits start immediately |
| Annual maximum | Typically $1,000–$2,000 | No maximum |
| Deductible | Usually $50–$150 per year | No deductible |
| Preventive care | Usually covered at 100% | Included (2 cleanings, 2 exams, X-rays) |
| Discount on other services | Varies by plan and in/out-of-network status | 20% off all other treatments |
| Works at any dentist | Yes (PPO) | Omni Dental Studio only |
| Paperwork / claims | Yes — claims filed on your behalf | None |
Plans start at $300/year for children · $430/year for adults
Common Questions
Insurance FAQs
Questions about your coverage?
Our team is happy to verify your benefits, explain your options, and help you plan treatment in a way that makes the most of your coverage. Call us — it takes just a few minutes.