Dental Financing & Insurance in Tampa, FL
Understanding the cost of dental care should not feel confusing. Your Flex Dental treatment plan will include a breakdown of the applicable fees, and our team will review expected costs with you before treatment is administered.
We accept several forms of payment, work with many dental insurance plans, submit insurance claims on your behalf, and offer financing options for patients who would like to divide eligible treatment costs into payments.
Know what to expect before treatment begins.
Your treatment plan will include a breakdown of applicable fees. Our team will review the anticipated costs with you before the planned treatment is administered.
Charges are payable at the time of treatment unless another arrangement has been approved in advance. When special arrangements are needed, please speak with our office manager before receiving the service.
Review your treatment
Understand which procedures have been recommended and why they are included in your care plan.
Receive a fee breakdown
Review applicable office fees and estimated insurance involvement before treatment.
Compare payment options
Ask about accepted payment methods, third-party financing, or available in-house arrangements.
Approve care confidently
Move forward after your clinical and financial questions have been addressed.
Convenient ways to pay for dental care.
For your convenience, Flex Dental accepts cash, checks, major credit cards, CareCredit, and eligible financing arrangements.
Payment is generally due at the time treatment is provided unless an alternative arrangement has been discussed and approved with the office manager in advance.
We work with many HMO and PPO dental plans.
Flex Dental accepts many HMO and PPO plans, including plans associated with Aetna, MetLife, Delta Dental, Cigna, and Humana. Please ask our office manager for the current full list of participating providers and networks.
Dental insurance contracts, network participation, annual maximums, deductibles, waiting periods, frequencies, exclusions, and coverage percentages can vary between individual policies. The presence of an insurance company name does not guarantee that every plan offered by that company is accepted or provides the same benefit.
Call the office before your appointment with your insurance information. Our team can help review available plan information, but final benefit decisions are made by the insurance carrier under the terms of your policy.
Explore monthly payment options for eligible treatment.
Third-party financing may allow qualified applicants to divide eligible treatment costs into scheduled payments. Financing approval, available terms, interest, fees, minimum purchase amounts, and payment schedules are determined by the financing provider.
CareCredit
CareCredit may be used by approved cardholders for eligible dental treatment. Available promotional financing terms and account conditions are provided by CareCredit.
Speak with the Flex Dental team before treatment to confirm whether your planned services can be paid for using your CareCredit account.
Cherry
Cherry provides financing applications and payment-plan options for eligible patients. The application, approval decision, available terms, and repayment conditions are handled by Cherry.
Use the secure Cherry link to review the application process and any payment-plan options that may be available to you.
Flex Dental is not the financing lender. Applications, credit decisions, payment schedules, interest rates, fees, promotional periods, and account terms are determined by the applicable third-party financing provider. Review all terms before accepting a financing agreement.
Need a special arrangement? Speak with us before treatment.
Flex Dental also offers in-house financing plans in selected circumstances. Availability, required deposits, payment timing, eligible procedures, and other conditions may vary.
Special financial arrangements must be discussed with the office manager and approved before the service is received. Please do not wait until after treatment has been completed to request a different payment schedule.
Review your treatment plan
Understand the recommended procedures, estimated fees, and expected treatment sequence.
Discuss your needs in advance
Let the office manager know that you need an alternative financial arrangement before treatment begins.
Review available terms
The team will explain any arrangement that may be available and the payment responsibilities involved.
Confirm before receiving care
Ensure that the arrangement has been approved and documented before the planned service is administered.
We submit dental insurance claims on your behalf.
Our team will make a good-faith effort to help you receive the insurance benefits available under your policy. The insurance company determines whether a service is covered and how much it will pay.
Provide current information
Give the office accurate insurance details and notify us when your employer, carrier, policy, or identification number changes.
Receive an estimate
Available benefit information may be used to estimate the insurance portion and your expected responsibility.
We submit the claim
Flex Dental sends the applicable claim information to the insurance carrier after eligible treatment is provided.
Monitor your policy
Contact the office and your insurance carrier if the claim has not been processed or paid within 30 days.
Insurance estimates are not guarantees of payment. You remain personally responsible for your account, including deductibles, copayments, noncovered services, benefit limitations, denied claims, and any remaining balance after the insurance carrier processes the claim.
Questions about financing or insurance?
Contact Flex Dental before your appointment to discuss your insurance policy, accepted payment methods, CareCredit, Cherry, or an available in-house arrangement.
310 South Dale Mabry Highway, Suite 120
Tampa, FL 33609
(813) 999-1092
Your insurance card, subscriber information, and questions about the planned treatment.
Common questions about paying for dental care.
Insurance benefits and financing terms vary. Contact the office with your specific policy or treatment information for more personalized assistance.
When are dental treatment charges due?
Charges are generally payable at the time treatment is provided. Any special financial arrangement should be discussed with and approved by the office manager before the service is received.
Which forms of payment does Flex Dental accept?
Flex Dental accepts cash, checks, credit cards, CareCredit, Cherry financing, and approved in-house financing arrangements. Contact the office with questions about a specific payment method.
Does Flex Dental accept dental insurance?
Flex Dental accepts many HMO and PPO plans, including plans associated with Aetna, MetLife, Delta Dental, Cigna, and Humana. Participation can vary by specific network and policy, so please contact the office to verify your plan.
Does seeing my insurance company listed guarantee coverage?
No. Insurance companies may offer multiple networks and policies with different participation rules and benefits. Coverage also depends on your deductible, annual maximum, exclusions, waiting periods, frequency limitations, and the specific treatment.
Will Flex Dental submit my insurance claim?
Yes. Flex Dental will submit applicable dental insurance claims on your behalf and make a good-faith effort to help you receive the benefits available under your policy.
Is an insurance estimate a guarantee of payment?
No. An estimate is based on available policy information and is not a guarantee that the insurance carrier will pay a particular amount. The carrier makes the final coverage and payment determination.
Who is responsible for a balance insurance does not pay?
The patient or responsible account holder remains personally responsible for deductibles, copayments, noncovered services, denied claims, benefit limitations, and remaining balances.
What should I do if my insurance claim has not been paid?
Contact Flex Dental and your insurance carrier if the claim has not been processed or paid within 30 days. The office may be able to provide claim information needed for follow-up.
Does Flex Dental offer payment plans?
Flex Dental offers third-party financing options and may offer in-house financing arrangements in selected circumstances. Availability and terms vary and should be discussed before treatment.
How do I apply for Cherry financing?
Use the secure Flex Dental Cherry application link to review the application process and available options. Approval and financing terms are determined by Cherry.
Can I use CareCredit for dental treatment?
Approved CareCredit cardholders may be able to use their account for eligible dental treatment. Contact the office before treatment to discuss your planned services and payment.
When should I request a special payment arrangement?
Speak with the office manager before treatment is administered. Special arrangements should be reviewed, approved, and documented in advance.
Let’s make the financial side of your care easier to understand.
Contact the Flex Dental team to discuss treatment estimates, insurance verification, accepted payment methods, CareCredit, Cherry, or available in-house arrangements.