New Patients

We file the following Insurance Plans for you

Find Your Insurance Provider

Insurance Questions

Insurance can be confusing. Here are commonly asked questions about insurance.

What dental insurance do you file in your office?


AARP Dental Insurance Plan

Advantica Benefits



Allegiance Benefit Plan Management

Ameritas Life

Anchor Benefit Consulting Inc

Argus Dental Plan Inc

Assurant Employee Benefits

Assurant Health

Assurant Supplemental Ins


BCBS of Alabama

Best Life & Health Insurance Co.

Blue Cross Blue Shield Anthem Complete

Blue Cross Blue Shield Federal Employee Program

Blue Cross Blue Shield FL (Florida Combined Life)

Blue Cross Blue Shield of Florida

Blue Cross Blue Shield of Georgia

Blue Cross Blue Shield of Illinois

Blue Cross Blue Shield of Indiana (Anthem)

Blue Cross Blue Shield of Massachusetts

Blue Cross Blue Shield of Michigan

Blue Cross Blue Shield of South Carolina

Blue Shield of California

CareFirst Inc. Maryland BCBS- FEP

Carpenters Health & Welfare

Chesapeake Life Ins. -Careington Benefit Solutions

Christian Brothers Services

Cigna Dental Health PPO

Cypress Benefit Administrators


Delta Dental Northeast (ME, NH, VT)

Delta Dental of Arkansas

Delta Dental of California

Delta Dental of Colorado

Delta Dental of Illinois

Delta Dental of Illinois Group Plans

Delta Dental of Iowa

Delta Dental of Kentucky

Delta Dental of Massachusetts

Delta Dental of Michigan

Delta Dental of Minnesota

Delta Dental of Missouri

Delta Dental of New Jersey

Delta Dental of New York

Delta Dental of North Carolina

Delta Dental of Ohio

Delta Dental of Oklahoma

Delta Dental of Pennsylvania

Delta Dental of Rhode Island

Delta Dental of Tennessee

Delta Dental of Virginia

Delta Dental of Virginia

Delta Dental of Washington State

Delta Dental of Wisconsin

Delta Dental Plan of California – Tricare Retiree

FEP Blue Dental

Florida Blue FEP

Freedom Life


Government Employee Hospital Association (GEHA)

Guardian Life Insurance Co. of America

Healthplex Inc.



Humana Specialty

Lincoln Financial Group

Maxor Administrative Services


Meritain Health Minneapolis


Missionaries Of Africa

Mutual of Omaha

Mutual of Omaha Commercial

National General

Physicians Mutual

Plumbers and Pipefitters Local 123

Principal Financial Group

Renaissance Life and Health

Renaissance Life and Health

Rural Carrier Benefit Plan

Solstice Benefits Inc.

Sun Life Financial


TeamCare Central States Health Plan

United Concordia

United Health Care (UHC)

United of Omaha

Don't see your insurance company on the list?

Please call our office and one of our friendly staff members will call your insurance company and get your benefits sent over. Our number is 727-327-7701.

What is a PPO or DPPO dental insurance plan?

This stands for Preferred Provider Organization or Dental Preferred Provider Organization. Most dentists charge UCR (Usual, Customary and Reasonable) fees set forth by the American Dental Association. These fees are fairly charged to the patient and reasonably compensate the dentist based on overhead (zip code?). This allows the dentist you are seeing to use quality products and spend the time needed to perform dental procedures properly, providing the best treatment possible. Most PPO plans allow you to select the dentist of your choice and have the same benefits in-network as they do out-of-network. Most dentists will work with PPO or DPPO plans and not HMO Plans. 

Does your office file PPO or DPPO dental insurance? Section

Yes we do!  We call your insurance company, obtain a breakdown of benefits and file your insurance claims for you. See the list of insurance companies below.

What is an HMO dental insurance plan and do you accept these plans? What is the difference between HMO and PPO dental plans? The information below is worth reading.

HMO or DHMO stands for Dental Health Maintenance Organization or Health Maintenance Organization. If you have an HMO plan you have probably exhausted yourself calling offices to see if they accept it. HMO plans compensate dental offices very little on procedures therefore most dentists do not accept it, this leaves you with a limited list of providers to choose from. Dentists who accept HMO plans see double, if not triple the patients a PPO dentist does in a given day. For example an HMO dentist would typically receive around $25, from the insurance company, for their hygienist to clean a patient’s teeth. A patient should have an entire hour reserved for their cleaning appointment. This being said $25 would not cover the hygienist salary, materials used and other overhead required to see this patient, therefore an HMO dentist will see two-three patients in an hour to be able to afford keep their office open and running. This applies to fillings, crowns and other dental work as well. This type of rushed treatment typically results in poor workmanship due to an overworked dentist and staff, which later leads to unnecessary and expensive dental treatment in the future. HMO plans will not pay offices out of network and they will not reimburse you. We do not accept HMO insurance for this reason. We always spend the time necessary to properly treat patients and make sure every procedure is meticulously performed.

Can I switch my HMO to a PPO/DPPO plan?

Yes and you will need to call your HR or insurance company to make the switch. You will likely pay more for a PPO plan but remember you get what you pay for. If you don’t need a lot of dental treatment you may want to consider not purchasing a plan altogether. You might end up paying more than you will receive in benefits. Insurance companies only pay for a percentage of most dental procedures. When you call your insurance company to switch plans, you may want to ask the following:  1) Can I can go to the dentist of my choice? 2) Does my plan pay out Usual, Customary and Reasonable fees and NOT a fee schedule? If they pay on a fee schedule you will be responsible for the difference of the dental procedure and insurance payment. 3) Does the insurance company pay the dental office? This is called ‘Assignment of Benefits’. If the check is paid to the patient, the patient or policy holder will need to pay for the procedure in full and the insurance company will reimburse you the percentage covered weeks or months later. Not all PPO plans are worth paying for and can be just as bad as HMO plans.  Call or come in our office and we are happy to answer insurance questions at no charge. We are here to help!

What does insurance typically pay on cleanings, x-rays, exams, fillings, crowns, bridges, extractions and dentures?

It depends on the insurance plan you have. Most insurance companies pay cleanings, x-rays and exams (preventative procedures) at 100%. Fillings (basic procedures) are typically covered at 80% and crowns, extractions, bridges, dentures (major procedures) are typically paid at 50%.  After your first visit and upon your request, we contact the insurance company to obtain a pre-determination from your insurance company on exact cost.

New Patient Forms

Here are some useful forms to make the process of becoming a patient easier.

New Patient Form 1 of 2

New Patient Form 2 of 2

Financial, Consent & HIPAA

Office Policy Form

Request an Appointment

A team member from Crescent Lake Family Dentistry will call you promptly.



We are a family-owned, private dental practice focused on providing gentle dental care for you and your family.

Contact Us