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Phoenix AZ - Dental Insurance Plan Questions Answered in The Phoenix, Glendale and Scottsdale Arizona Area by Dentist Eric Stavoe and Kimberly Albrecht. PHOENIX, AZ ALBRECHT & STAVOE COSMETIC DENTISTRY I don't have enough money to fix my teeth In 1960, the average maximum benefit paid by insurance carriers was $1,000 per year. In 1999, the average is still approximately $1,000 per year. Can this be true? Yes! An ever-increasing number of patients cannot gain access to needed dental services because the maximums have not even kept pace with inflation. Is there a solution? Absolutely. A Blueprint and Direct Reimbursement.