*Cleaning in the absence of gum disease. Exclusions apply. Cannot be combined with insurance or other offers.

Dental Insurance in Panama City, FL

Panama City's family-owned PPO dental practice, welcoming patients of all ages.

We work with most major PPO plans, schedule your visit today.

★★★★★ 4.90 (194+ Reviews)

Quick Summary

We accept most major PPO dental insurance plans, including Delta Dental, Cigna, MetLife, Guardian, and Humana PPO. Our team verifies your benefits and handles claim submissions before and after your visit. CareCredit and Cherry financing are available for patients with out-of-pocket costs. An in-house membership discount plan is available for patients without insurance.

Marina Pointe Dental accepts most major PPO dental insurance plans. We work directly with your carrier to verify benefits, handle pre-authorization, and submit claims so you walk in knowing what your plan covers and what you owe.

Our team reviews your payment options with you before any treatment begins. If you are unsure whether your plan is accepted, we can verify your coverage before your appointment.

Plans We Accept

We are in-network with a wide range of PPO carriers, including:

Delta Dental
Cigna
MetLife
Guardian
Humana PPO
United Healthcare Commercial
Medicare (no Dual Complete)
Anthem
BCBS (select plans)
United Concordia
Florida Combined Life
Central States Funds
CompBenefits
Medicare Advantage
Sun Life
Unum
Lincoln Financial Group
Mutual of Omaha

We do not accept Medicaid. If your plan is not listed, contact our office, and we will confirm whether we can accommodate your coverage.

Making the Most of Your Benefits

Dental benefits reset every January 1, and unused annual maximums do not carry over. According to a CDC National Center for Health Statistics data brief, adults with dental coverage are significantly more likely to have regular dental visits than those without it.

Before Benefits Expire Each Year

A few steps can help you get full value from your plan before it resets.

1
Schedule Your Second Cleaning
Most plans cover two preventive visits per year at no out-of-pocket cost.
2
Address Recommended Restorative Work
Treatment your provider has already flagged is typically covered now, not later.
3
Use FSA or HSA Funds
These often expire at year-end and apply to most dental services.
4
Check Your Remaining Maximum
Our team can review your balance at any cleaning and exam appointment.

Our front desk team can run a quick benefits check at any point during the year.

If You Do Not Have Insurance

Patients without dental coverage have clear options at our practice:

CareCredit & Cherry
Break treatment costs into monthly payments. Applies to most services we offer.
Membership Discount Plan
Reduced rates on preventive and restorative care for an annual fee, no insurance required.
Cash, Check, or Card
We accept cash, checks, and all major credit cards for any treatment.

Our membership discount plan is a direct alternative to traditional insurance for patients who are self-employed, between jobs, or uninsured. All available financing options are outlined on our new patients page.

Reserve Members

Marina Pointe Dental participates in the Reserve Health Readiness Program (RHRP) through QTC. This federal program covers dental readiness evaluations for military reserve members and operates through a government contract, separate from private insurance. Contact our office to confirm eligibility before scheduling.

Accept Your Insurance at Marina Pointe Dental

Marina Pointe Dental is a family-owned PPO practice near St. Andrews Marina in Panama City, serving patients of all ages with general, preventive, restorative, and cosmetic dental care. Our doctors are bilingual in English and Spanish, and our team is trained to help you understand your coverage, use your benefits fully, and plan treatment around your budget.

Whether your care is fully covered or you need a payment plan, we make it straightforward to get started. Review what to expect as a new patient, or contact our office, and our team will be in touch.

Ready to Use Your Benefits?
Our team at Marina Pointe Dental will verify your coverage and help you plan treatment around your budget.