Trinity Dental Arts is an out-of-network, fee-for-service practice. That is a deliberate choice — and you deserve the full reasoning behind it, not a one-line disclaimer at the bottom of a form.
We don't sign insurance network contracts, and we don't accept assignment of benefits.
Most PPO plans reimburse some out-of-network care. Your plan does not stop existing when you walk through our door — but what it pays is between you and your carrier.
After treatment we can submit the claim so your insurer reimburses you directly. What we do not do is chase your carrier for benefit checks or pre-authorizations.
Every treatment plan comes with our exact fee in writing before we begin. That number does not move based on what a plan decides to pay.
First, a reframe
Real insurance protects you from catastrophe. Your health plan doesn’t cap out at $1,500 and leave you holding the rest of the heart surgery.
Dental plans work the opposite way. They are a capped benefit — a fixed pot of money your employer buys on your behalf. When it’s gone, it’s gone.
Most plans still cap out somewhere between $1,000 and $2,500 a year, and roughly a third sit in the $1,000–$1,500 band. That ceiling was set decades ago and has barely moved since. A $1,000 maximum written in the 1970s would need to be worth many times that today just to keep even. Dentistry got dramatically better. The benefit didn’t move.
A dental plan is a benefit, not a standard of care. It was never meant to decide what your mouth needs.
Preventive care. Cleanings, exams, and x-rays are usually covered at or near 100%. Use it. Please use it. We simply don’t think a coupon should be choosing your surgeon.
The part that doesn’t get said
When a practice joins a PPO network, it signs a contract agreeing to accept the insurer’s fee schedule — a set price for every procedure, written by the insurance company, not by the dentist.
According to the ADA’s own fee survey data, those write-offs commonly run 30% to 40% below the practice’s actual fee. In some offices, closer to half.
Nobody absorbs a cut like that and changes nothing. The math has to close somewhere, and there are only a few places it can go.
Shorter appointments. More chairs running at once. A dentist moving between rooms. Volume becomes the business model, because volume is the only lever left.
Crowns, ceramics, and implant components vary enormously in quality and cost. When reimbursement is fixed, the pressure runs one direction — toward the cheaper lab and the generic implant system that may have no parts available in fifteen years.
Plans reimburse the least expensive alternative treatment. Not the best one. Not the one that lasts longest. The cheapest one that technically works — and that quietly becomes the default recommendation.
Heavy network participation is one reason independent offices sell to corporate groups. A fee schedule that does not work at one location can be made to work at forty — with rotating associates and quarterly production targets.
To be clear: there are outstanding dentists in every network in Florida, working hard inside a system they didn’t design. This isn’t about their character. It’s about a contract that pays the same for a crown done in forty minutes as one done in two hours — and what that incentive does to a profession over twenty years.
Dr. Gjelaj wasn’t willing to sign it. That’s the whole story.
500+ patients in Trinity have already taken the first step. Yours is just one free conversation away.
The other side of that decision
Being out of network isn’t a price position. It’s a permission structure. Here is what it buys you.
Longer appointments, scheduled around the complexity of the case instead of a production quota. One patient at a time.
You're not handed off. The person who plans your case is the person who does it — and the person who follows it for years afterward.
Meet Dr. GjelajPremium ceramics and name-brand implant systems with a global parts supply and decades of literature behind them — designed and milled in our own lab, not sent to whichever lab fits a fee schedule.
See our in-house lab3D CBCT imaging, digital scanning, and computer-guided implant surgery — used when they improve the outcome, not when a plan agrees to pay for them.
Our technologyDr. Gjelaj holds a Mastership in the Academy of General Dentistry and Diplomate status in implant dentistry — credentials only a small fraction of U.S. dentists hold.
The cheapest dentistry is the dentistry you only pay for once. We plan for decades, not for the current benefit year.
See real resultsDentistry is a handmade product. You are not buying a procedure code. You are buying the hours, the judgment, and the standards of the person doing it.
Real reviews from our Google Business Profile, reproduced word for word.
“Absolutely thrilled with my new smile. Dr. G and her team have changed my life for the better. I have a brand new smile. The experience was painless and simple. I highly recommend this procedure.”
“I received a same day replacement veneer on a tooth and it was beautifully done! I am new to Florida and had delayed getting a new dentist. When my veneer popped off I called Trinity Dental Arts. They worked me in even though I wasn't a regular client and did my teeth cleaning that morning before fitting me for my new veneer. A very high-tech office with in-house ability to make the new tooth. Dr. Gjelaj and her staff were very kind and throughtful. I am so glad to have her as my new dentist.”
“Dr. G and her team are absolutely amazing, so professional and well versed in their expertise. I am so thankful I chose them as I now have the smile of my DREAMS!!”
Read all 400+ reviews on Google →
A selection of our 5-star reviews — not every review we’ve received. Individual results vary; a review describes one person’s experience and is not a promise of any particular outcome.
The honest arithmetic
Less than you’re bracing for. Here’s how it really works.
Most PPO plans include out-of-network coverage — often the same deductible and similar percentages. The difference is what fee those percentages apply to. In network, the insurer reimburses against its own contracted schedule. Out of network, it reimburses against its “usual and customary” rate for our area, and you are responsible for the difference.
That gap is real. It is also usually far smaller than the words “out of network” make people fear.
| Single crown | In-network office | Trinity Dental Arts |
|---|---|---|
| Fee for the procedure | $1,200 | $1,600 |
| Plan pays (50% of allowed amount) | $600 | $600 |
| Your out-of-pocket | $600 | $1,000 |
Illustrative figures only. Your actual fees, coverage percentages, and reimbursement depend on your specific plan. Our fee is the number we put in writing for you; what your carrier reimburses is determined by your carrier.
A $400 difference on a crown that should serve you for twenty years is roughly $20 a year. That is the real unit of comparison — not the sticker price, but the cost per year of a result that holds.
And a crown that fails in six years costs you the entire fee again, plus whatever the failure did to the tooth underneath it.
“We don’t participate with insurance” is a specific statement, so here is exactly what it means in practice.
Every case gets a printed treatment plan listing each procedure, its code, and its exact fee — before we pick up an instrument. One number, from us, that does not change based on a carrier decision.
Same forms, same codes, including narratives and imaging for larger cases. We submit it; your insurer reimburses you.
Because we don't accept assignment of benefits, the insurer pays you directly — so you see exactly what your plan paid, rather than it disappearing into an office ledger.
Your written plan carries the same CDT procedure codes an insurer uses. Call the number on your card, read them the codes, and your carrier will tell you what it pays — in five minutes, from the only party who can actually answer.
None of this is an oversight. Benefit verification and pre-authorization are tasks a practice performs on the insurer’s terms, and organizing an office around them is what quietly turns the plan into the patient.
Professional Credentials
Board-certified implantologist and one of the most credentialed implant specialists in the Tampa Bay area — dedicated exclusively to complex implant and restorative care.
Doctor of Dental Medicine
Nova Southeastern University College of Dental Medicine
Mastership — Academy of General Dentistry
Earned by fewer than 2% of dentists in the U.S. — requires 1,100+ hours of continuing education.
Diplomate — American Board of Oral Implantology / Implant Dentistry
The highest board certification in implant dentistry in the United States.
Fellow — American Academy of Implant Dentistry
Recognizes advanced clinical proficiency and peer-reviewed case documentation in implant dentistry.
Diplomate — International Congress of Oral Implantologists
International board recognition for excellence in oral implantology.
Dual Board-Certified Implant Specialist
Fewer than 1% of U.S. dentists hold dual board certification in implant dentistry.
Ready to meet Dr. Gjelaj?
Schedule a $300 Signature Consult — a clinically substantive exam credited toward your treatment.
No insurance? Big case?
Being out of network does not mean paying for everything at once.
Work directly with our office to build a payment schedule around your budget — no third party, no credit check, direct billing, flexible terms.
A healthcare credit card with promotional and interest-free options for qualified applicants. Apply in minutes with an instant decision.
Extended monthly plans built for larger cases — full-arch implants, full-mouth reconstruction, and comprehensive smile design.
One last thing
That sentence sounds obvious. It isn’t how most people behave.
Most patients pick a dentist off a list a benefits administrator handed them — a list assembled on the basis of who agreed to the lowest fee. It is the only significant medical decision in American life routinely made by sorting for price first and asking about the work second.
You wouldn’t choose a surgeon that way. You wouldn’t choose a school that way. And your teeth are the only set you get. There is no revision, no do-over, and no replacement covered under the plan.
Going out of network isn’t a splurge. It’s the ordinary act of choosing the person who does the work, and then figuring out how to pay for it — in that order.
Bring your questions. Bring the treatment plan another office gave you, if you have one. You’ll leave with a written plan and our exact fee for every procedure — the number you can take to your carrier, and the one thing an insurance company can never tell you. No pressure, no obligation.
11105 Trinity Blvd, Trinity, FL 34655 · Monday – Thursday, 9:00am – 5:00pm
Convenient, easy parking, and a team that treats you like a neighbor. Because you are. Book today and feel the difference tomorrow.
📍 Just km from your location • Same-day appointments available
Request an in-office Signature Consultation ($300, credited toward treatment) — takes less than 60 seconds to request.
Step 1 of 4 · Getting Started
Select a service to get started — takes less than 60 seconds.
11105 Trinity Blvd
Trinity, FL 34655
(727) 228-6846
Mon–Thu: 9:00am – 5:00pm
Fri–Sun: Closed
✓ Two ways to get started
Free Virtual Consult — meet with our team online at no cost. Or choose an in-office Signature Consultation ($300), which includes a full exam, 3D imaging, and a personalized treatment plan — fully credited toward your treatment if you move forward.
Coverage, reimbursement amounts, and out-of-pocket costs are determined solely by your insurance carrier and vary by plan. Any figures shown on this page are illustrative examples and are not a guarantee of benefits, coverage, or payment. Financing is subject to credit approval by the third-party lender. This page is general information about dental benefits and is not a substitute for a clinical examination or individualized treatment advice.
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