The Real Cost of Dental Care in Margate, FL – And How to Afford It Without Stress

If you’ve ever postponed going to the dentist because of the cost, you’re not alone. Many patients are surprised to discover that dental insurance doesn’t work the same way as medical insurance—and that out-of-pocket costs can add up quickly. At Family Dental Arts of Florida, we’re here to break that cycle by offering flexible payment options, honest guidance, and 0% interest financing for both insured and uninsured patients.

Why Does Dental Care Seem Expensive?

Unlike most healthcare services, dental care is often paid out of pocket—even if you have insurance. That’s because dental insurance is structured more like a discount plan than a true safety net.

• Annual maximums are low – Most plans only cover up to $1,000 to $2,000 per year.
• Major procedures are only partially covered
• Modern dental tech like implants or CAD/CAM crowns adds cost.
• Skilled, time-intensive labor is a core part of dentistry.

Average Out-of-Pocket Costs in Margate, FL

Procedure	With Insurance	Without Insurance
Exam + Cleaning	$0 – $75	$100 – $250
Dental X-rays	$0 – $30	$50 – $150
Fillings	$50 – $150	$150 – $400
Crowns	$500 – $1,200	$1,000 – $2,000+
Root Canals	$300 – $900	$800 – $1,500+
Extractions	$100 – $250	$150 – $600
Implants	Not typically covered	$3,000 – $6,000+
Dentures	$500 – $1,500	$1,000 – $3,500
Invisalign/Braces	$1,000 – $3,000	$3,000 – $6,000+

Dental vs. Medical Insurance: Key Differences

Category	Medical Insurance	Dental Insurance
Annual Limit	Usually unlimited	$1,000–$2,000/year
Deductible	$500 – $2,000+	$50 – $150/year
Major Treatment	Included	Partial (50%) or excluded
Focus	Emergency/illness	Preventive/minor care

Types of Dental Insurance Plans

• PPO: Most flexible, higher annual maximums, widely accepted.
• HMO: Lower premiums, but limited provider networks.
• Discount Plans: Monthly/yearly fee for reduced service rates.
• Direct Reimbursement: Employer reimburses actual expenses.

Benefits of Having Dental Insurance

• Lower rates due to negotiated insurance pricing.
• Free preventive care like cleanings and exams.
• Incentivizes regular visits to avoid costly issues later.
• Discounts on major work even after maxing out coverage.

Can I Finance My Copayment?

Yes! Even insured patients can finance copayments, deductibles, or any portion not covered by their plan. No need to delay care due to high copays or annual max outs.

Flexible Financing & Payment Options

1. Pay-As-You-Go Treatment Plans

Spread out the cost of larger treatments across multiple visits with no interest.

2. 0% Financing with With Cherry & CareCredit

With Cherry: Fast approvals, soft credit check, 0% APR for eligible borrowers.
CareCredit: Up to 24 months interest-free, easy application, widely accepted.

3. We Accept All Major Credit Cards

Visa, MasterCard, Discover, AmEx, plus HSA/FSA accounts.

Why Choose Family Dental Arts of Florida?

• Comprehensive care: exams, implants, Invisalign, etc.
• Bilingual team: Spanish & English spoken
• Transparent, upfront pricing
• Flexible scheduling & fast insurance verification

Visit Us

Family Dental Arts of Florida
5180 Coconut Creek Parkway
Margate, FL 33063

Phone: (954) 972-1400
Email: info@familydentalartsfl.com
Website: www.familydentalartsfl.com

Final Thoughts

Don’t let cost keep you from getting the dental care you need. Whether insured or not, we’ll work with you to make it affordable and stress-free. Call us today or schedule online to get started with a personalized, pressure-free consultation.