Insurance and Payment Options

Our Philosophy

We understand that patients rely on their dental insurance plan to help defray the costs of dental care. We are happy to assist you in obtaining maximum insurance benefits. We will help you to understand the provisions of your policy, and may accept payment directly from your insurance company for the portion covered.



  • Aetna
  • Ameritas
  • Assurant
  • Careington
  • Cigna
  • Combined Services
  • Comp Benefits
  • Coventry
  • Delta Dental
  • Florida Combined Life
  • Guardian
  • Humana
  • MetLife
  • Premier Access
  • United Concordia

While we encourage you to make your dental health choices with the understanding that your insurance benefits provide you with a small financial cushion, we understand that many patients rely on dental insurance. That’s why our dentist is “in network” with many insurance companies.

For the convenience of our patients with dental insurance, Dr. Waheed is “in network” with many insurance companies. In order to avoid compromises in your dental health choices

Your Responsibility As Owner of the Policy
  • Payment of fees not covered by your insurance plan at the time the service is delivered.
  • Acknowledgement that the dental insurance policy belongs to you; the dental office has no leverage to obtain payment from your insurance carrier.
  • Acknowledgement that based on the policy purchased, dental insurance plans restrict payment for some services, use restricted fee schedules (called Usual and Customary Rates), and exclude some procedures based on prior conditions or length of time on the plan.
  • To take responsibility for payment if your insurance company does not pay our office within 60 days.
  • Keeping our office informed about any changes in coverage or employment.
Our Courtesy Service To you
  • Filing your insurance within 24 hours of your visit.
  • Providing all necessary x-rays and documentation to the patient and to the insurance company.
  • Researching your dental insurance plan to advise you of benefits available to you.
  • Re-filing your insurance a second time within 30 days.
  • Following ADA guidelines for dental procedure codes and insurance submission.

Emergency Visits Are Available

We are open 9 to 4 Monday to Thursday for Emergencies. Please call our office at 850-215-0128 to speak with an assistant.