How to maximize your dental insurance plan

Maximize your dental insurance plans

Taking care of your teeth can be easy so long as you brush, floss and schedule regular dental appointments. However, understanding your dental insurance plan in order to choose the best dentist office in your area can be a little more confusing. With so many guidelines, rules and medical jargon affecting your decision, it can be incredibly difficult to make sure you’re getting the maximum benefits out of your insurance plan.

Luckily, we at Advanced Dental Care of Sarasota have some basic information to make understanding your insurance information and selecting the best plan for you and your family a snap. Here are some things to keep in mind.


One of the main types of dental care insurance plans is the HMO, which stands for a health maintenance organization. People who are on an HMO plan typically must go to a dentist office within their insurance plan network – this usually involves selecting a primary dental care provider and paying a monthly fee.

Once you have selected a dentist, an HMO will often cover the cost of services like cleanings, exams and x-rays. For more involved procedures like fillings or crowns, you may have to pay a part of the fee out of your own pocket. If you need to see a specialist outside of your network for any reason, you’ll need a referral from your dentist before your care will be approved. In order for you to enjoy your maximum insurance benefits, you must stay with a dentist within your network – scheduling an appointment with another provider will mean covering the entire bill yourself.


The second most common type of dental insurance plan is the preferred provider organization, or PPO. This usually offers you a bit more leeway to shop around for a dentist of your choice, which also gives you the freedom to see a dentist outside of your network.

However, PPOs often require that you pay a deductible as well as coinsurance when visiting a “preferred” care provider within your insurance network. Seeing a dentist outside of your coverage will also mean paying higher fees. And while you don’t need a referral to receive care from a specialist with a PPO, some may request this anyway.

Your insurance providers

So now that you know a little bit about the differences between HMO and PPO dental insurance plans, you might be wondering which providers are accepted at our office. For residents in the Florida area, accepted insurance companies include Aetna, Ameritas, Dentemax, Lincoln Financial, United Healthcare, Cigna, Guardian, Blue Cross & Blue Shield, TriCare (for military personnel), MetLife and Principal, among many more.

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Always the same people !!!!
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Everyone at the office is great!!
Donald B.
Dr. Koshy is great. She took the time to explain a workable plan to have my dental needs met and is always very warm and just a pleasure to work with and talk to. Dr. Koshy and the staff members make […]
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After my longtime dentist, Dr. Aaron Leavitt left the Sarasota Advanced Dental practice, I wasn’t sure if I would stay a patient in this practice, but I decided to try out the new staff and […]
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Very professional and answered my questions.
Jacqueline S.
Excellent experience!!! I walked in with no appointment and the staff saw I was in pain and took me in right away. I do not have insurance and only paid 29.00 for my emergency visit. Great service […]
Jose V.
Overall service excellent. Receptionist was pleasant/prompt. Mosen always does a great job cleaning my teeth. He does an excellent job balancing getting the job done expeditiously while at the same […]
Bruce B.
They do a very good job
Betty R.
Listened to what I said and took the time to explain my options.
Roberta K.
I have not felt the warmth and the tenderness I experience with the the staff here. I was so please when assistant Danielle. And chasity looked into mouth and knew exactly what I wanted my smile to […]
Luzina P.
I have been there twice for dentist and once for hygienist and everyone has been great! Also the office staff are friendly and efficient!
Sandra L.
Friendliness of the staff and expedience of the staff.
Herman E.
Very happy with this office,the staff is very friendly,helpful and informative. Dr Palcious is so sweet and very skilled. I actually look forward to going to the dentist!!!!
Sarah V.
Very quick service!
Stephany A.
Everyone is very friendly and knowledgeable!
Laura C.
Y’all were fantastic! Got me in quick for an emergency and treated me with respect even though I didn’t have any insurance. I had not been there in years and you still got me in within just a few […]
Daniel S.
Great staff and felt very comfortable
Tiffany B.
Ease of obtaining dental services.
Earl L.
Great office. Chris is a great hygenist. She gave me some good hints on how to use different products.
Barbara M.
We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

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