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.

Read What Our Patients Say
Patient Reviews
Dr. Ospina has been the BEST dentist I’ve ever been to! He is an expert at his craft. He takes his time in studying personal preferences and concerns of all his patients. The office staff is […]
Diane H.
Dr. Purcell and the staff are terrific and always make us feel comfortable. They are very professional and thorough. Wouldn’t go anywhere else.
Donald B.
I have been with Dr. Dennis Corona for over 15 years and trust him with my dental needs.
Sheila C.
All went well. I’m not a fan of a dentist normally but all went well. See u again in a couple of weeks.
Gloria C.
The staff at Advanced Dental, was incredible! From the front desk, to my dental assistant, “Help me Rhonda” and staff. These folks are professional and friendly, while doing their jobs in an […]
Michael K.
New transplants to Sarasota, my husband and I needed to find a reputable dental practice. Advanced Dental Care seemed to best fit our needs given the close proximity to our new home and the many […]
Nancy P.
Just finished getting my teeth cleaned at Advanced Dental. What a good experience. I am at ease from the minute I walk in because of the warm, friendly staff. The best though is Keverly. So kind and […]
Hero P.
I’ve been coming here for five years and they’re always very professional, thorough & friendly! I’ve never had a bad experience.
Kylee W.
What a wonderful experience we had took awsome care of my son and made him feel so comfortable and safe. They were very friendly and kind and very understanding.we will defiantly be back. Travis and […]
Ed C.
Not only has the staff been incredibly helpful, but Dr. Boss clearly loves what he does and cares deeply about the dental health of his patients. His skills are excellent, his bedside manner […]
Mary G.
short wait time, everyone is friendly, skilled & courteous employees. I told Miguel about my serious recent eye surgery…he gave me large plastic glasses–like a shield–to wear during my […]
Nancy L.
ADC has been taking care of my parents for years. Now my sons and I have also joined their list of happy clientele. I can’t say enough about our Hygienist, Cristina Ballenger, or the assistant we […]
I was happy to meet Joy and what an encouragement she is. Then I went into the chair with Kevenly. She was so gentle and made me feel so special. She did an excellent cleaning on my teeth. I was […]
Linda H.
Dr. Bayer is OUTSTANDING! So, are ALL the people that work with him. Including the office staff. I would HIGHLY recommend.
Anthony B.
the staff treated me like a valued patient. Very friendly, courteous, the hygienist was meticulous in cleaning my teeth and did it in a manner in which I was very comfortable. I will certainly be […]
David T.
I initially came in to This office after a traumatic Incident with another dentist. They were very Helpful and compassionate. One of the ladies, Alex, took me under her wing and reassured me […]
Heather B.
Employees are pleasant, professional and services are affordable.
Jackie V.
Excellant Dentist And staff
Donald H.
Staff very friendly, all smiling, well-run operation A+++, Very professional and care about why you are there. Was in and out for basic x-ray and exam tok 15 min
Jesse B.
Very friendly and efficient. Prompt service. Didn’t push unnecessary products or procedures
Peter G.
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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