United Healthcare
Dentists In Sarasota
Dr. Bowles and Dr. Karow provide modern, patient-focused care for patients with UnitedHealthcare insurance. Call today to schedule your appointment.
700+ 5-star reviews
Award-Winning United Healthcare Provider
Voted Best of Sarasota, SRQ Smiles combines award-winning care with in-network United Healthcare coverage.
- Maximize your United Healthcare benefits: We design your treatment around your health goals, then coordinate coverage and timing to make the most of your plan.
- Seamless claims management: Our team handles insurance paperwork and clearly outlines your expected coverage before treatment begins.
- Patient-first treatment planning: Your care is guided by clinical findings and your goals, not insurance limitations.
Your Sarasota Dentists
Meet Dr. Thomas Bowles
Inspired by his father’s career as a family dentist, Dr. Bowles chose dentistry to help patients live healthier, more confident lives. At SRQ Smiles, he values building lasting relationships and providing education-focused care tailored to each patient.

Doctorate of Dental Surgery
University of Detroit Mercy
“I have been going to Dr. Bowles for years and have always received excellent care. He takes the time to explain everything and makes sure I am comfortable during every procedure. The entire team is professional and friendly.”
— Melanie B.
Meet Dr. Garrett Karow
Dr. Karow has completed thousands of hours of advanced training and holds certifications in many of today’s most innovative dental techniques. He also believes in giving back, volunteering hundreds of hours to provide dental care to underserved communities.

Doctorate of Dental Medicine
University of Florida
“Dr. Karow is incredibly thorough and takes time to answer all of my questions. I never feel rushed, and I always leave feeling confident about my treatment plan.”
— Amanda G.
Your First Visit
Your first visit is a 90-minute, no-rush appointment designed to understand your concerns, review your dental health, and create a personalized treatment plan that aligns with your United Healthcare benefits.
Meet Your Dentist
Dental History Review
X-rays and 3D Imaging
Comprehensive Oral Exam
Oral Cancer Screening
Personalized Dental Plan
What Sarasota Patients Are Saying
Dental Treatments Covered by UnitedHealthcare
Most UnitedHealthcare dental plans cover preventive care, many restorative treatments, and may provide partial coverage for certain cosmetic procedures. Coverage varies by plan, and our team will review your specific benefits with you.
Dental Exam
Comprehensive dental exams are typically covered by UnitedHealthcare and allow us to detect issues early and protect your long-term oral health.
Dental Cleaning
Most UnitedHealthcare plans cover routine cleanings to help prevent cavities and gum disease.
Digital X-Rays
Diagnostic X-rays are often covered as part of preventive care and help identify problems that are not visible during a visual exam at our Sarasota dental office.
Composite Fillings
Many UnitedHealthcare plans provide coverage for tooth-colored fillings used to repair cavities and restore function.
Crowns & Bridges
Coverage for crowns and bridges varies by plan, but many policies include partial benefits for restoring damaged or missing teeth.
Extractions
Tooth extractions are commonly covered when medically necessary to relieve pain or prevent further complications.
Dental Implants
Some UnitedHealthcare dental plans may provide partial coverage for dental implants depending on your specific plan type and annual maximum. Implants are a long-term solution for replacing missing teeth and restoring function.
Invisalign® Clear Aligners
Some UnitedHealthcare plans include orthodontic benefits that may partially cover Invisalign treatment for eligible patients.
How Insurance Works At Our Practice
We make it easy to use your United Healthcare dental benefits with clear communication and upfront cost estimates. Here’s how it works:
- Insurance verification: Give us a call to verify your United Healthcare coverage and ask any questions.
- Comprehensive exam: Meet with Dr. Bowles or Dr. Karow for a thorough evaluation and discussion of your dental needs and goals.
- Treatment plan: After your exam, we’ll provide a clear treatment plan with estimated insurance coverage and out-of-pocket costs.
- Claim submission and processing: Our team submits all claims and required documentation. Once your insurance processes the claim, we’ll let you know if there’s any remaining balance.
United Healthcare FAQs
How do I find out if my dentist is in-network with UnitedHealthcare?
The easiest way is to call our office directly. Our team can quickly verify your UnitedHealthcare benefits and confirm whether your specific plan is in network.
How do I check my UnitedHealthcare dental coverage before my visit?
You can call our sarasota dental office to check coverage, or log into your member account through the UnitedHealthcare app. Be sure to bring your member ID card to your appointment so we can verify benefits and confirm we are a network provider for your specific plan type.
Do you accept my specific UnitedHealthcare plan?
UnitedHealthcare offers multiple plan types with different networks and member programs. As a network dentists for many UnitedHealthcare dental plans in Sarasota, we can verify your specific benefits before your visit.
Will I know my costs before treatment?
Yes. After your exam, we provide a treatment plan that outlines estimated insurance coverage and expected out-of-pocket costs so there are no surprises.
What if my UnitedHealthcare plan does not cover a procedure?
If a treatment is not covered or only partially covered by your insurance company, we’ll discuss alternative options and financing solutions to help make your care affordable.
Dr Bowles & his Team are wonderful!!!!!…In addition to being knowledgeable & caring providers this office is always helpful and kind & understands your insurance/ financial constraints. They are honest and provide upfront information so you can make informed decisions.
— Kelly M.
Our Sarasota Dental Office
Our dental office is conveniently located in the heart of Sarasota, just minutes from downtown and the Gulf beaches. We’re a short drive for patients in Gulf Gate Estates, South Gate Ridge, Bee Ridge, Palmer Ranch, and surrounding Sarasota communities. Patients throughout the Sarasota area choose SRQ Smiles for comfortable, high-quality dental care close to home.
Address:
5677 S. Beneva Rd
Sarasota, FL 34233
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Hours:
Monday – Friday: 8am-5pm