Insurance & Financing

Flexible Payment Options

We work with your insurance and offer multiple payment options to make quality dental care accessible and affordable.

Get Started (727) 441-3523
NON-RESTRICTED PROVIDER

Your Care Comes First, Not Insurance Restrictions

We are proud to be a non-restricted provider. This means Dr. Cannady has the freedom to provide the highest standard of care without insurance company limitations.

More Time With You

Not rushed by insurance quotas — we take the time needed for thorough, quality care.

Premium Materials

Use of the highest quality materials and latest techniques, not limited by insurance cost-cutting.

Your Treatment, Your Choice

Treatment decisions made between you and Dr. Cannady, not dictated by insurance companies.

We File For You

We file claims for all PPO insurance plans and help maximize your benefits — hassle-free for you.

PPO Insurance Accepted: We file claims for all PPO dental insurance plans. Most patients receive reimbursement directly from their insurance company, and we'll help you understand your coverage and out-of-pocket costs upfront.

Simple Process

How Dental Insurance Works at Our Clearwater Office

1

We Verify Coverage

Before your visit, we'll verify your insurance benefits and explain what's covered.

2

You Receive Care

You'll know your out-of-pocket cost upfront before we begin any treatment.

3

We File Claims

We submit your claim and your insurance sends reimbursement directly to you.

Have questions about your coverage? Call or text us at (727) 441-3523 and our team will help you understand your benefits.

Straight Answers

Do You Take My Dental Insurance?

It’s the question we hear most, so here’s the honest answer. Cannady Dental is a fee-for-service, non-restricted provider. We are not in-network with any insurance plan — and that’s by design, so Dr. Cannady can recommend the treatment that’s right for you rather than what an insurance company will approve.

Searching for a Delta Dental dentist, Cigna dentist, or MetLife dentist in Clearwater? If you have a PPO plan from carriers like Blue Cross Blue Shield, Humana, Delta Dental, Cigna, or MetLife, you can use your out-of-network benefits here and we file the claims for you. Most PPO plans let you see any dentist you choose, and your insurance company sends reimbursement directly to you. We’ll verify your benefits before your visit so you know your expected costs upfront.

We do not participate in Medicaid or any HMO/DMO/DSNP plan, including DentaQuest, WellCare, Liberty Medicaid, Sunshine Health, MCNA Dental, and Medicare Advantage dental HMO plans. If you have one of these plans, we can’t bill them — but our $99 new patient special (comprehensive exam, full digital X-rays, and a personalized treatment plan) plus flexible Cherry financing still make quality care within reach.

If you’re looking for an affordable dentist in Clearwater, affordability here means transparency: a clear written quote before any treatment begins, no surprise bills, and monthly payment plans when you need them. And if you don’t have insurance, our Healthy Patient Membership Plan covers your cleanings, exams, and X-rays for one flat annual fee.

Flexible Options

Dentist Payment Plans & Ways to Pay

Looking for a dentist that offers payment plans? We offer multiple payment options to make quality dental care affordable for every budget.

PPO Insurance
Credit & Debit Cards
Cash Payment
Payment Plans
Membership Plan

Flexible Financing with Cherry

If you’ve been searching for a dentist payment plan, this is ours: we partner with Cherry to offer flexible monthly payment plans that make dental care more affordable. Apply in minutes and get approved for financing with low monthly payments tailored to your budget.

Apply for Cherry Financing Schedule a Consultation

No Insurance? Join Our Membership Plan

The Healthy Patient Membership Plan — our in-house dental savings plan (also called a dental discount plan) — is $420/year and includes 2 cleanings & exams per year, annual X-rays, 1 emergency exam, and 10% off any treatment — no waiting periods, deductibles, or claims.

See What's Included
Common Questions

Insurance FAQs

As a non-restricted provider, Dr. Cannady is not bound by insurance company networks or limitations. This means he has the freedom to recommend and provide the best treatment for your specific needs, using premium materials and the latest techniques, without insurance companies dictating what care you can receive. You get better care, not just "covered" care.
Yes! We file claims for all PPO dental insurance plans. While we are not contracted with specific insurance networks, most PPO plans allow you to visit any dentist and still receive benefits. We'll verify your coverage, file your claims, and help you maximize your insurance benefits. Your insurance company will send reimbursement directly to you.
Your out-of-pocket cost depends on your specific insurance plan's coverage levels. Before any treatment, we'll verify your insurance benefits and provide a clear estimate of what your insurance will cover and what your responsibility will be. We believe in complete transparency — you'll always know the cost upfront before we begin any work.
Yes — if you’re looking for a dentist that offers payment plans in Clearwater, you’ve found one. We partner with Cherry to offer flexible financing options that make quality dental care affordable: apply online and get approved in minutes for low monthly payment plans. We also accept credit cards, debit cards, cash, and can arrange custom payment plans for larger treatments. Apply for Cherry financing →
No problem! Many of our patients choose to pay directly without using insurance. Our Healthy Patient Membership Plan — an in-house dental savings plan — is $420/year and includes 2 cleanings and 2 exams per year, annual X-rays, 1 emergency exam per year, and 10% off any treatment — it's not insurance, so there are no waiting periods, deductibles, annual maximums, or claims. We also offer our $99 New Patient Special (comprehensive exam, digital X-rays, and personalized treatment plan) and flexible payment plans. Quality dental care doesn't require insurance — we'll work with you to make it affordable.
Absolutely! Our team is experienced in helping patients understand their dental insurance benefits. We'll verify your coverage before your appointment, explain what procedures are covered, and help you maximize your benefits. Insurance can be confusing — we're here to make it simple.
If your plan from Blue Cross Blue Shield, Humana, Delta Dental, Cigna, MetLife, or another carrier is a PPO, you can use your out-of-network benefits at our office and we file the claims for you. We are not in-network with any plan — we're a fee-for-service, non-restricted provider — but most PPO plans reimburse for out-of-network care and send payment directly to you. Call us with your plan details and we'll verify your benefits before your visit.
No — we do not participate in Medicaid or any HMO/DMO/DSNP plan. That includes DentaQuest, WellCare, Liberty Medicaid, Sunshine Health, MCNA Dental, and Medicare Advantage dental HMO plans, and we cannot bill those plans. If you have one of these plans, our $99 new patient special (comprehensive exam, full digital X-rays, and a personalized treatment plan) and flexible Cherry financing are the most affordable way to get care at our office.

Ready to Schedule Your Visit?

Contact us today to verify your insurance benefits or learn more about our flexible payment options.

(727) 441-3523 Schedule Online