Serving Carrollwood, Tampa
Insurance & Financing in Tampa, FL
At Phoenix Dental, we believe financial concerns should never stand in the way of quality dental care. That’s why we offer flexible payment options, accept most insurance plans, and provide clear, upfront guidance so you always know what to expect.
Whether you have insurance, Medicare, or are paying out of pocket, our team is here to make the process simple and stress-free.
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Dental Insurance Made Simple
We are in-network with many major PPO insurance providers and accept most plans. Our team will verify your benefits, explain your coverage, and file claims on your behalf—so you don’t have to deal with the paperwork.
We focus on transparency, so you’ll always receive a clear estimate before moving forward with treatment.
PPO Insurance Plans We Accept
We work with a wide range of PPO dental insurance providers.
- Altus Dental, Inc.
- Ameritas Life Insurance Corp
- Dental Select (excludes UT)
- First Reliance Standard Life Insurance of New York
- Physicians Mutual
- Reliance Standard Life
- Standard Insurance Company
- Standard Insurance Company of New York
- Best Life and Health Insurance Co.
- Careington International Corporation
- Anthem Blue Cross Blue Shield
- AXA
- Avant Health
- BrightBenefits
- Nippon Life
- Fidelio
- Merchants Benefit Administration, Inc.
- Dental Network of America
- Blue Cross Blue Shield (AL, IL, MT, NM, OK & TX)
- DenteMax
- AlwaysCare Benefits
- Beam Dental
- Bento (Cambalt Solutions, Inc.)
- Colonial Life
- Cypress Benefits & Vision
- Mutual of Omaha
- Pro Benefits Administrators
- Renaissance Dental
- Starmount
- Southland Benefit Solutions
- TruAssure
- Unum
- GEHA
- HRI Dental & Vision (formerly Paramount)
- HRI Dental and Antidote Health
- NovaNet Inc.
- Alternative Insurance Resources
- Aflac PPO Dental (formerly Argus Dental & Vision, Inc.
- ARM Ltd
- Boulder Administration Services
- CareFirst Blue Cross Blue Shield
- Chesterfield Resources
- DD Services, Inc.
- Direct Care Admin
- Equitable
- Group Benefit Services
- Interactive Medical Systems
- Lucent Health
- Luminare Health (formerly Coresource/Trustmark)
- Med-Pay, Inc.
- Planstin Administrative Solutions
- United Furniture Workers Insurance Fund
- Varipro
- UnitedHealthcare Dental Benefit Providers
- Blue Shield of California
- Centene / HealthNet (CA, OR, WA)
- Dental Benefit Providers Inc
- Freedom Life Insurance Company
- HealthPlex
- Pacific Life
- United Concordia Insurance Company
- BCBS of Michigan
- BCBS Minnesota Commercial
- First Priority Life Insurance Company
- Highmark, Inc.
- Highmark West Virginia
- Highmark Delaware
- HMO of Northeastern Pennsylvania, Inc
- First Priority Health
- Highmark Choice Company
- Highmark Benefits Select
- Resources Inc.
- Solstice Benefits, Inc.
- Sun Life Financial Inc.
- Kansas City Life Insurance Company
- TransWestern Insurance Administrators
- 90 Degree Benefits
- TriStar Benefit Administrators
Medicare & Medicare Advantage Plans
Phoenix Dental accepts select Medicare and Medicare Advantage dental plans. Coverage can vary depending on your provider and plan details, and our team is happy to help you understand your benefits before treatment begins.
- Medicare: Humana, United Healthcare, Aetna (Aetna’s Dental Medicare Advantage plans)
- Blue Cross Blue Shield (IL, MT, NM, OK & TX)
- Kaiser Permanente (Kaiser Foundation Health Plan of the Northwest)
Network names that may be used:
- Classic + Dental Choice
- Added Choice + Dental Choice
- PPO Plus + Dental Choice
Additional Medicare Advantage Plans
- First Continental Life
- West Virginia Senior Advantage
- Dominion National
- AmeriHealth New Jersey
- Blue Cross and Blue Shield of Arizona
- Capital BlueCross
- Health Team Advantage
- Independence Blue Cross
- Tufts Health Plan
Additional Medicare Advantage Programs
- Dominion Medicare Advantage (CT, OR, WA, MA)
- Blue KC Medicare Advantage
- AmeriHealth New Jersey Medicare Advantage
- Independence Blue Cross Medicare Advantage
- Health Team Advantage
- Community Care of Oklahoma Medicare Advantage
- Champion Health
- Paramount Elite
- Peak Health
- Select Health
UnitedHealthcare Medicare Plans
- AARP Medicare Complete Profile (HMO)
- Alterwood Advantage
- Blue Cross Blue Shield of Tennessee Medicare Advantage
- Centene / HealthNet (CA, OR, WA)
- Erickson Advantage Signature with Drugs (HMO-POS)
- KelseyCare Advantage Plan
- MediGold
- Rocky Mountain Health Plan Medicare
- UnitedHealthcare GEHA Group Medicare (PPO)
- UnitedHealthcare Medicare Complete Assure (PPO)
- UnitedHealthcare Dual Complete (HMO SNP)
- UnitedHealthcare Dual Complete LP (HMO SNP)
- UnitedHealthcare Dual Complete (HMO DSNP)
- UnitedHealthcare Dual Complete RP (Regional PPO SNP)
- UnitedHealthcare Medicare Silver (Regional PPO SNP)
- BCBS MN Medicare Advantage
Not Sure If You’re Covered?
Insurance plans can be complex, and coverage often depends on your specific policy.
Our front office team will:
- Verify your insurance benefits
- Explain your coverage in simple terms
- Provide clear cost estimates before treatment
Call us at (813) 419-3808 and we’ll take care of the rest.
Flexible Financing Options
If you don’t have insurance—or need help covering out-of-pocket costs—we offer flexible financing options to make treatment accessible.
We partner with trusted third-party financing providers, including:
- CareCredit
- Cherry
- Sunbit
- Afterpay (Log-in required, then select Phoenix Dental on the shop directory)
These options allow you to break your treatment cost into manageable monthly payments, often with little to no interest depending on eligibility.
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Affordable Care for Every Patient
We also offer:
- Transparent, upfront pricing
- Pre-treatment cost estimates
- Payment options tailored to your budget
If you have questions about affordability, our team is always happy to help you find a solution that works for you.
Office Policies & Financial Disclaimers
Insurance Coverage Disclaimer
Insurance coverage is provided as an estimate only and is not guaranteed. Actual coverage may vary based on:
- Unmet deductibles
- Annual maximum limits
- Plan-specific reimbursement rates
The guarantor (patient or responsible party) is fully responsible for all fees not covered by insurance. All payments are due at the time of service.
Fee estimates are valid for 60 days from the date they are provided and are non-binding until the actual date of service.
In-Office Specials Policy
To qualify for any in-office promotional pricing (including new patient and emergency specials), recommended treatment must be:
- Accepted and
- Initiated on the same day as your visit
If treatment is postponed, promotional pricing may no longer apply.
Broken Appointment Policy
We value your time and work hard to run an efficient schedule for all patients. When you book an appointment, we reserve that time exclusively for you.
If you need to reschedule, please notify us at least 24–48 hours in advance.
Failure to attend or cancel without adequate notice may result in a broken appointment fee of $50.00 per appointment.
Ready to Use Your Benefits?
Maximize your dental benefits and get the care you need with confidence.
Call (813) 419-3808 or book an appointment today. Our team will help you understand your coverage and make your visit as smooth as possible.
