Accepted Dental Insurance Plans
We accept a wide range of dental insurance plans to help make care accessible for families. Below is our Insurance List for 2025 (subject to change), including plans our orthodontist is also contracted with. Coverage and network participation vary by plan, so we’re always happy to verify benefits and answer questions before your visit.
PPO Plans
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Cigna
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Delta Dental
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DHA / Sun Life (Dental Health Alliance)
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Florida Combined Life
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(Includes Blue Dental Choice & Co-Payment Plans — often referred to as Florida Blue or Blue Cross Blue Shield)
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Guardian
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(Including plans that may umbrella under The Guardian)
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Humana
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MetLife
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Network Access Arrangement Plan under United Concordia
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United Concordia
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UnitedHealthcare (Not state plans or Medicaid)
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Orthodontic coverage may apply only if the plan falls under the DHA umbrella
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HMO Plans
Humana / CompBenefits
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Some plans require a plan code to determine eligibility
MetLife (formerly Safeguard)
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Some plans require a plan code to determine eligibility
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Age limitation: We cannot see patients 8 years or older under this plan
Sun Life (formerly Assurant)
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25% Off Plan
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Parent pays 75% of our usual and customary fees
Financing Options
We believe cost should never be a barrier to your child’s dental or orthodontic care. For families who prefer to spread treatment costs over time, we offer flexible financing through CareCredit®.
CareCredit® is a healthcare credit card designed to help cover out-of-pocket expenses not paid by insurance. Qualified families can choose from a variety of monthly payment options, making it easier to budget for both pediatric dental and orthodontic treatment. The application process is quick, and approval decisions are often immediate.
Our team is happy to walk you through available financing options, explain estimated costs, and assist with the application process so you can focus on your child’s care with confidence.
Understanding Dental Insurance for Kids
Dental insurance for children can be confusing—especially when plans change, benefits vary, and orthodontic coverage is involved. Our goal is to help parents understand how kids’ dental insurance works so there are no surprises.
How Does Dental Insurance Work for Children?
Most pediatric dental insurance plans are designed to support preventive care, such as exams, cleanings, X-rays, and fluoride treatments. These services are often covered at a higher percentage than restorative or orthodontic care.
Coverage depends on:
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Your specific insurance plan and employer group
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Whether the provider is in-network
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Your child’s age
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Annual maximums, deductibles, and waiting periods
Because every plan is different, benefits can vary even within the same insurance company.
Does My Child’s Dental Insurance Cover Orthodontics?
Some dental plans include orthodontic benefits, but many do not—or they may include lifetime maximums, age limits, or specific network requirements. Orthodontic coverage is often handled separately from routine pediatric dental care.
Our team can help:
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Check whether orthodontic benefits are included
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Explain lifetime maximums and age restrictions
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Confirm if orthodontic care is in-network under your plan
Why Insurance Verification Matters
Dental insurance details change frequently, and plan names alone don’t guarantee coverage. That’s why we recommend verifying benefits before your child’s appointment.
We’re happy to help you understand:
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What services are covered
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What portion insurance may pay
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What to expect for out-of-pocket costs
No Insurance? You Still Have Options
If your child does not have dental insurance, we offer affordable self-pay options and flexible financing to make care accessible. Our team can walk you through available options and help you choose what works best for your family.