Insurance & fees.

We accept most dental insurance plans. The carriers we work with most often include Aetna, Ameritas, Blue Cross Blue Shield of Florida, Cigna, Delta Dental, Guardian, Humana, MetLife, United Concordia, and United Healthcare. Plans change often, so the best step is to call any MFE location. Our team will look up your specific plan and confirm your coverage before your appointment.

MFE is in-network with many dental plans. In-network means your carrier has agreed to negotiated rates, which usually lowers your out-of-pocket cost. The full in-network list is on this page. If your plan is not on the list, call your nearest location and we can check in real time.

You are still welcome at any MFE location. Many plans include out-of-network benefits that reimburse part of treatment, and some let you see a specialist without a referral even when out of network. We verify your out-of-network benefits before your appointment so your estimate is accurate.

Yes, every time. Each MFE location has an insurance coordinator who contacts your carrier before your appointment to confirm covered procedures, deductible status, annual maximum used, and any referral requirements. You get a clear estimate of your portion before treatment begins, with no surprise charges later.

The most accurate estimate comes after two things happen: your tooth is evaluated, and your benefits are verified. Once both are done, your care team presents your estimated out-of-pocket cost before any treatment starts. To get started, call any MFE location. If you want a rough sense of what to expect before your visit, our team is happy to walk you through your benefits over the phone.

For billing purposes, bring your dental insurance card and a photo ID. If your plan requires a specialist referral from your general dentist, bring that as well, or ask your dentist to fax it in advance. Referral fax numbers for each MFE location are listed on this page. You can also enter your insurance information online through our first-visit form before your appointment to save time at check-in.

Most dental plans include coverage for root canal treatment (also called endodontic therapy). The covered percentage depends on your plan, your deductible, and whether you have met your annual maximum. Some plans cover a larger share for in-network specialists. Your MFE insurance coordinator verifies your specific coverage before treatment and explains what your plan will pay and what your portion will be.

A referral from your general dentist is common for endodontic care, but not always required. Some insurance plans do require a specialty referral before they will authorize treatment; others do not. A number of plans on our in-network list specifically require your dentist to fax a referral prior to scheduling (marked with an asterisk in the carrier list below). When you call to schedule, our team can tell you exactly what your plan requires.

You are welcome at any MFE location with or without insurance. We accept cash and all major credit cards, and we partner with CareCredit for financing. Call any MFE location for an estimate for your situation.

MFE does not offer in-house payment plans, but we partner with CareCredit, a third-party healthcare financing program. CareCredit lets you spread treatment cost into monthly payments, many with a no-interest option, and it can be applied to your balance after insurance. You can apply in minutes. See payment options for details.

Yes. For plans that require pre-authorization or pre-determination before coverage kicks in, our insurance team can submit the request to your carrier on your behalf. This step can take a few business days depending on your carrier. Contact your nearest MFE location when you schedule and let the team know your plan requires pre-authorization.

Before treatment starts, your MFE insurance coordinator gives you a written estimate of what your plan is expected to pay and your estimated out-of-pocket portion. It is based on verified benefits, not a guess. Final amounts can vary slightly if the claim processes differently than estimated, and we explain any difference clearly.