Financing and Insurance

Payment Options

At Winter Haven Dental, we accept cash, personal checks, money orders, and major credit cards. Payment is expected at the time of services. When more extensive dental care is necessary, financial arrangements can be provided at our office. We also offer financing options. Ask our staff representatives for more details.


  • Metlife
  • Cigna
  • Assurant
  • Sunlife
  • Geha
  • Delta Dental
  • Florida Combined Life
  • Guardian
  • Solstice PPO and HMO
  • United Concordia
  • United Healthcare PPO and HMO
  • United Healthcare Advantage Medicare ONLY
  • Humana PPO and HMO
  • Ameritas
  • Principal
  • Mutual of Omaha
  • Solstice Discount Plus Plan one
  • Lincoln Financial

If the insurance is not listed, please contact our office at 863-299-1579

We accept most dental insurance programs. We are not part of any managed care network. Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. Our staff will be happy to submit all the necessary paperwork to your insurance company so that you will know what your benefits are.

The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.


As a service to our patients, we are pleased to offer the CareCredit card, the nation’s leading patient payment program. With CareCredit, you can finance 100% of your dental care, and there are no upfront costs, no annual fees, and no pre-payment penalties. So, you can begin your treatment today and conveniently pay with low, monthly payments.

CareCredit offers a full range of payment plans so you can find one that works best for you. With the popular No Interest Payment Plans*, there are no interest charges if you pay your balance in full within the specified time period. Monthly payments can be as low as 3% of your balance. For procedure fees from $1,000 and up, CareCredit offers 24, 36, or 48-month plan options with low monthly payments available.

CareCredit can be used by the whole family for ongoing treatment without having to reapply. And by using CareCredit for your dental care, you can save your other credit cards for household or unplanned expenses. It only takes a few minutes to apply for CareCredit, and you’ll receive an online decision in seconds! Apply now or see our staff for more details.