New Patient Information
At Darley Dental Care, we’re dedicated to giving you the best dental experience in a warm and welcoming setting. Our goal is to help you feel comfortable and at ease every step of the way. On this page, you’ll find helpful details about what to expect during your first visit, along with access to important patient forms. You can download the New Patient Form by clicking the links below.
Download New Patient FormDownload Medical History Form
Insurance & Financing
At Darley Dental Care of Altamonte Springs, led by the compassionate Dr. Steve Darley, we understand that managing dental expenses can be a concern for many. That's why we've tailored our insurance and payment options to fit your lifestyle and budget, ensuring that your dental care is within reach and stress-free.
Insurance Accepted - ask us for which providers we accept.
Payment Options
We've partnered with CareCredit to offer monthly financing for as low as $0 Down Payment, 0% APR*, 0 Hidden Fees
Understanding that flexibility is key to accessible dental care, we offer a variety of payment options
- Cash / Debit Card
- Personal Checks
- CareCredit
- Sunbit
Insurance & Billing
We are proud to be in-network with Cigna, offering members insurance processing and optimal benefits. However, our commitment to accessible dental care extends beyond just one provider. We welcome patients with out-of-network PPO policies, ensuring that you can still receive top-tier dental care with us if your plan allows.
Our team of dentists in Altamonte Springs takes the hassle out of insurance paperwork. We file your insurance claims on your behalf, streamlining the process and maximizing your benefits. You can focus on your dental health while we handle the complexities of insurance.
Smile Now, Pay Over Time!
We’ve partnered with Sunbit to provide flexible monthly payments!
Frequently Asked Questions
You can always check with your insurance company to find out what they are and how much they cover. We can also help! A member of our team can get a breakdown of your benefits. We’ll just need some information, including your carrier name and subscriber ID.
Being out of network simply means our office does not have a direct contract with your insurance provider. It does not mean we don’t take your insurance. For those carriers that we do have a direct contract with, they have in-network fees. When out of network, we use the base price for the service and apply the coverage percentages that correspond to your out-of-network benefits to calculate what you’ll owe. We accept major PPO insurances.
The basic premise of dental insurance is the same as other types of employer-provided insurances such as Medical and Vision. Most dental insurance is provided by your employer, has monthly premiums associated with that coverage, has guidelines on who you can see, and differences in benefits provided. The major difference with dental insurance is that the insurance provider has a yearly maximum they will reimburse, whereas a medical insurance provider covers reimbursement after the individual reaches their own out of pocket maximum.
Dental insurance works similarly to your medical insurance, with the main difference that the insurance provider is responsible for “first money out,” meaning they cover up to a “maximum allowable” amount in a given benefit period (usually a year) and the patient is responsible for any amount over that limit. The maximum allowable amount is unique to your insurance plan and is important to know what it is when seeking more costly care. Further, as with medical co-insurance, dental PPO plans typically cover services based on ranges or categories: preventive, basic, and major. As an example, many PPO coverages provide 100% coverage for preventive services, 80% coverage on basic services, and 50% for major services. This break down is plan-specific and you will need to consult your personal benefits to understand your coverage. What is not covered by your insurance is the patient’s responsibility.
Typically, dental insurance covers all types of dental care ranging from exams and cleanings (typically 2x/year), basic dental care (fillings, crowns, etc.) to oral surgery and orthodontics. Insurances categorize each type of care into preventive, basic, and major services and each is covered at a determined percentage, leaving the remaining balance to the patient (typical breakouts are 100%/80%/50% for the coverage percent ages). Orthodontics are unique and typically have rules around age, who on your plan is allowed to use, and how much is offered. In general, with orthodontic coverage, there is a lifetime maximum versus and annual amount.
A PPO is a “preferred provider organization.” PPOs do not require you to choose a primary dentist. You don’t need referrals to see a specialist, either, but you will likely save money if you see one in your plan’s network. PPOs differ from HMO/ DHMO insurance plans that typically cover dental services at a low cost and minimal or no copayments with a pre-selected primary care dentist or a dentist facility with multiple dentists. With HMO/DHMO plans, you are required to select a primary dentist and are restricted to that dentist unless otherwise referred to a specialist.
In most cases, PPO plans cover two exams and cleanings in a calendar year.
In most cases, yes. However, there are exceptions and rules that are important to know prior to care. For instance, a dental implant would not be covered if you were previously missing your tooth and your coverage includes a “missing tooth clause”. We can help you get information on what rules are in place for you specific coverage.
In most cases, yes. Orthodontics are unique and typically have rules around age, who on your plan is allowed to use, and how much is offered. In general, with orthodontic coverage, there is a lifetime maximum versus an annual amount. We can help you get information on what rules are in place for your specific coverage.
