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Dental Insurance and Payments

North Jacksonville Complete Dentistry

dental insurance jacksonville dentist

We have many questions from patients regarding insurance and payments.  As a result, we created this page to answer some commonly asked questions.  If you have further questions, we are always happy to answer!  Feel free to call us at (904)751-4958 or click here to contact us.


It is great if you have dental insurance.  You do not, however, need to have insurance to become a patient.  Dental insurance may be better thought of as dental benefits.  Often insurance protects us against catastrophic problems.  Dental insurance does not do this.  What dental insurance does is provide members with a benefit to be used for dental treatment.  These plans come with a limit (often $1000 per year) as well as percentages that they will cover for certain treatments.  For example, many plans will cover 100% of routine exams and cleanings.  Others will pay 50% or 80%.  Some will pay for 80% for fillings and 50% for treatments such as crowns and root canals.

You may ask why there is such a lack of clarity in this description.  The reason is that there are many different dental insurance companies, each with many different plans.  This creates the variability.

At North Jacksonville Complete Dentistry, we are in-network for several different insurance companies;

  • Blue Cross and Blue Shield (Florida Blue Dental)
  • Cigna
  • MetLife
  • Assurant
  • Delta Dental

If your insurance is not on this list, we are happy to file your claims for you as a courtesy.

We understand that you may have questions about dental insurance that is specific to your plan.  If that is the case, simply contact us any time and we can provide you with specifics.


We understand that covering dental fees can be challenging for many people.  As a result, we have many different ways not only to optimize your insurance benefits, but also to help you afford the care that you deserve.

Cash and check are of check are of course accepted.  We also accept most major credit cards, including American Express, Visa, and Discover.

Many patients find themselves in the position of needing dental work and not having the immediate funds to cover the treatment fees.  If you find yourself in this situation and if it would help you to spread your financial obligations over a period of time, we also accept CareCredit.  CareCredit is similar to a line of credit and is specifically created for healthcare.  An application can be filled out by clicking here and a response is often nearly immediate. CareCredit has financing options with deferred interest.  What this means is that if you are approved for the six or twelve month plan to separate out the fees and if you pay all of the payments on time, you will not be responsible for any interest!

You can also click here to use the custom payment calculator.  This will allow you to become familiar with what to expect.  We also have the custom CareCredit iPad here in the office and will be happy to review your payments with you and even help you get approved!

We do not want financial constraints to get in the way of your oral health.   Feel free to contact us for more information.   We will spend as much time as necessary to help you attain your goals.