Dental Insurance in Florida: Find the Best Plan

Updated: November 9, 2022
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Wondering, What is the best dental insurance in Florida? Finding the right dental insurance in Florida can take time, as numerous companies can choose. However, having the correct dental insurance can significantly reduce your out-of-pocket expenses for dental care, so it’s important to do your research.

Dental insurance in Florida can be tailored to your specific needs by choosing from a variety of plans, such as:

  • Plans for individuals, seniors, and families
  • No waiting period policies
  • Health care plans, including PPOs, DHMOs, and discounts
  • Combined dental and vision or other insurance policies
  • Dental insurance for orthodontics

Why Do I Require Dental Coverage?

Medical insurance typically does not cover dental care. Nonetheless, our teeth and smile are among the most noticeable aspects of our appearance, so we should take special care of them. Despite the state of the economy, you and your family must find affordable dental coverage. Your city or state may provide free dental care for adults if you’re unemployed, underemployed, or have a low income. Consider the following if you think dental insurance is a waste of money.

  1. First, there’s more to dental hygiene than just daily brushing and flossing. Every six months, we must visit the dentist for a checkup and cleaning. Extraction, root canal, and oral surgery are only some of the major dental works that can be avoided with regular cleanings and fluoride treatments for the teeth.
  2. Thirty percent or more of Americans did not see a dentist in 2008. This is according to a recent Gallup poll. Approximately 57% of this population has untreated dental decay.
  3. The average price of a dental cleaning is $165, whereas the average cost of a filling is around $110.
  4. The average cost of dental treatment in the United States is anywhere from $300 per year for preventative maintenance to $25,000 or more for extensive dental work.

Benefits of Having Dental Insurance in Florida

You should consider whether you need dental insurance once you’ve accepted that most dental services are not covered by medical insurance. Oral and dental problems can arise for many reasons, including poor dental hygiene, sickness, and trauma.

Dental insurance offers financial protection and promotes oral health. For this reason, dental insurance should be factored into your budget, whether provided by an employer or purchased independently.

Guidelines for Maintaining Good Oral Hygiene

There are several benefits to having dental insurance, including the following:

  • The early detection of issues is a key benefit of prevention. Having your teeth checked and cleaned regularly might help you spot problems before they become severe and expensive to fix. You may need a costly root canal if the deterioration in your teeth isn’t treated in time. Dental insurance coverage usually includes preventive dental care at no extra cost.
  • Money-wise, you’re safe. Sometimes serious dental health complications occur even with excellent preventive care. Protect your teeth just as thoroughly as you do your body, your home, and your car.
  • Members of the plan can access the most competitive pricing available. NewHealthInsurance-affiliated dentists have agreed to treat you at a discounted rate as part of our network. The result is a lower out-of-pocket expense than would be the case if you simply walked in.
  • Maintaining good oral health can have positive effects on your whole health. Connections between oral and general health continue to be explored. Mouth bacteria can aggravate diabetes and heart disease when they reach the bloodstream.

What Is Covered by Dental Insurance?

Depending on the insurance provider and policy details, your dental care may or may not be covered. Coverage varies by plan and provider. However, the majority of dental insurance plans provide 100-80-50 coverage.

This number shows the average percentage of covered services:

  • 100: Covers 100 percent of preventive dental care, such as annual checkups and cleanings.
  • 80: Covers 80% of regular dental procedures, such as fillings and root canals.
  • 50: Includes 50% coverage for major dental operations such as crowns and implants.

What Is Not Covered by Dental Insurance?

Dental insurance coverage excludes varied services that are covered. The following procedures, however, are typically not covered by standard dental insurance plans:

  • Cosmetic dentistry, like whitening teeth
  • Orthodontics, such as braces
  • Conditions pre-existing

Dental Insurance Plans in Florida

You can choose from various dental plans provided by Florida, which provide extensive dental coverage. COBRA allows retirees and COBRA enrollees who had coverage before termination to continue their coverage at no cost.

Employees can choose from various plans that offer different levels of coverage, cost, and freedom to see either in- or out-of-network dentists.

Types of Covered Plans and Services

There are four types of dental plans listed below: PPO, Indemnity, Indemnity with PPO, and Prepaid.

Let’s have a look at dental insurance plans in Florida:

Prepaid Dental Plan
  • Benefits are only paid if network providers are utilized.
  • No annual maximum or deductible
  • Most preventive care is free of charge
  • Copayment schedule-listed dental procedures are subject to a fixed copayment.
  • Orthodontics is covered for both children and adults.
Standard PPO Dental Plan
  • Care provided by any dentist
  • Utilizing network dentists reduces your expense.
  • Generally, you must reach an annual deductible before the plan begins paying benefits, and then you are responsible for a portion of the cost of the services you receive.
  • Orthodontics is covered for both children and adults.
Plan Dental PPO Preventive
  • Care provided by any dentist
  • Utilizing network dentists reduces your expense.
  • Before the plan pays benefits, you must reach a yearly deductible and pay a portion of the cost for services.
PPO Dental Plan Indemnity
  • Care provided by any dentist
  • When you utilize network dentists, your costs are reduced.
  • Before the plan pays benefits, you must meet an annual deductible and pay a portion of your care.
  • Sun Life covers orthodontic treatment for children only.
Indemnity Dental Plan
  • Care provided by any dentist
  • You’ll have to pay some of the total cost of the treatments you receive once you’ve met your deductible.

Dental Insurance in Florida: Features to Consider

While looking for affordable dental insurance in Florida, you may come across options with characteristics that are important to you. Some key considerations are as follows:

Low costs vs. low deductibles

While it’s understandable that you’d like to find the cheapest dental insurance in Florida, it’s important to consider the full picture. It’s important to think about the following factors while you shop for a suitable plan:

  • Paying a set amount each year or month for insurance coverage, regardless of whether or not claims are made.
  • Insurance companies typically require policyholders to pay a yearly deductible before they begin paying for any medical care.
  • Paying a predetermined sum or percentage of the total cost of your care is known as the co-payment (with your insurer covering the rest)

You may select coverage with a lower premium but a larger deductible and co-payments if your oral health is normally good. However, if you expect to require a lot of maintenance, you may find it more cost-effective to pay a greater premium but have lower expenditures for the service itself.

It’s important to remember that not all service providers accept monthly payments for premiums; others demand annual payments in advance.

Dental Insurance in Florida With No Waiting Periods 

Finding the best dental insurance with no waiting period is ideal if you require dental work right away and want to start saving money right now.

Covering braces and implants

Is teeth whitening, dental veneers, or braces on your list of cosmetic dental work you hope to have covered by your insurance? Ensure you read the fine print to prevent being let down if your policy does not cover this type of work. While insurance may help with the costs of these treatments, the annual or lifetime restrictions are often rather low.

NewHealthInsurance.com is where you should start your search for an orthodontic coverage plan. Please feel free to contact one of their qualified agents at 877-938-0075 if you have any questions while you’re there.

Combining with other policies

Insurers offering multiple lines of coverage often provide bundle discounts for purchasing multiple policies. Some types of insurance, such as medical, dental, vision, and hearing, may be available as a bundle.

What Factors Determine The Plans Price Of Dental Insurance in Florida?

Dental insurance premiums are calculated using many factors by insurance companies. We’ll go over a few of the more important ones below:

  • Living where you do affects your dental insurance rate.
  • Coverage Amounts – When shopping for your first insurance coverage, you’ll find that most providers give you a range of alternatives for your deductible, co-pay, and annual cap.
  • The state of one’s teeth is a major cost and insurance consideration. Good oral hygiene is crucial to reduce the likelihood of using your policy and coverage.
  • The maximum benefits your insurance plan will pay out in a given year is the annual maximum. Your actual costs will increase proportionally as your maximum yearly decreases.

Best Companies of Dental Insurance in Florida

In Florida, you can choose from many different dental insurance providers. We’ve included some of the most popular ones here so you can limit your choices.

Florida Blue Dental Insurance

Florida Blue offers dental insurance. Blue Cross and Blue Shield of Florida provide Florida Blue. They provide two PPO-style plans for dental care, one with set co-payment levels for in-network dentists and the other with percentage co-payments. Both policies cover you outside your network, but you won’t get as many perks.

PPO plans from Florida Blue are available to patients of any age, while coverage costs increase sharply after age 64. There is a $50 deductible for minor and major services and an annual maximum of $1,000. However, under some circumstances, a year’s worth of unused maximums can be carried over into the following year.

In addition, they provide a DHMO-style plan with no exclusions for preexisting diseases, no waiting periods, no deductibles, and no annual caps. Checkups, cleanings, and x-rays are all part of the annual price, but you must go to a dentist inside your network. Many additional services, including teeth whitening, are offered flatly, while orthodontic services are discounted by 25%.

Delta Dental

One of Florida’s largest networks.  Those with a PPO plan from Delta Dental of Florida can choose from a wide variety of dental care providers. Many dentists have offered discounted services to those with insurance to attract Delta patients. It’s also possible to see a dentist who isn’t part of the insurance company’s dental network.

They have both a basic and a premium PPO plan available. The tests, x-rays, and cleanings included in the Basic plan are all provided at no additional expense to the patient. You pay half the regular price when you get your teeth filled or have a routine extraction done after six months.

Preventive treatment under the Premium plan is completely free, and after the first six months, you’ll only have to pay a 20% co-pay for fillings and basic extractions. Dentures, implants, crowns, and orthodontics are covered after a 12-month waiting period, up to a $1,500 annual maximum.

DeltaCare USA, Delta’s DHMO-like plan, allows you to select and switch between primary care dentists in their network. Exams and x-rays of the mouth are included in the base price, and most other procedures, such as teeth whitening, are also priced uniformly. However, implants are not covered, and you will be responsible for 75% of the cost of orthodontic treatment.

For Florida elders, AARP provides access to Delta Dental, a provider of dental insurance plans.

MetLife TakeAlong Dental

MetLife provides PPO coverage for individuals and households.

In Florida, three different PPO dental plans are available from MetLife. There are various dental coverage options for singles, couples, and families.

In the first tier, the yearly limit is set at $1,000 with a $75 deductible; in the top tier, it’s set at $2,000 with a $25 deductible. Only the maximum coverage is available for orthodontic care, and dependent children have a lifetime of $1,000. (no adult cover).

All diagnostic and preventative care services are offered at no additional cost and do not count against yearly deductibles.

You are free to see any dentist you like, but the dentists in the MetLife network offer the best value, thanks to their pre-negotiated costs. MetLife estimates that the lowered fees are 36% lower than market rates.

Humana

Humana offers the greatest variety of available policies.

Humana dental insurance plans offer three distinct dental plans: dental savings, dental health maintenance organization, and preferred dental plan. Humana Dental Plans offer the best dental insurance for kids.

There is no deductible, and there is no yearly maximum with the dental savings plan. Members visiting participating dentists in the network can save 20% – 40% on routine care and substantial work. Brackets can be purchased at a discount of up to 20%.

The DHMO plan is comparable, but it also includes preventive care and has the potential to save more money that can be used toward other projects. However, Humana mandates that your primary care dentist come from their network.

Then, there are tiers 1, 2, and 3 of the PPO plan, each with its premiums, deductibles, and yearly caps on coverage. The whole public can take advantage of these. While members are free to see any dentist they like, those in their network may provide better pricing.

Customers of Humana can save money on dental and eye care, as well as on hearing aids and prescription drugs, by purchasing a bundle that includes all three types of coverage.

Guardian

Affordable coverage for children’s braces insurance

In Florida, Guardian Dental Insurance offers three plans: two PPO options and one DHMO option.

With the DHMO DentalGuard plan, you can get instant coverage, and routine cleanings and x-rays are completely free. Co-payments are required for all other types of medical care. Guardian patients may rest assured knowing their dental health is in the hands of their primary care dentist, who can be found in various specialty networks.

While implants are not covered, orthodontic treatment for minors is, with a deductible of $350 per year. If your child needs braces for medical reasons, this may be one of the least expensive options.

If you have either of the PPO plans available, you can see any dentist you like, but if you stay inside the network, you’ll save up to 35% on your visits. When you visit a dentist part of your plan’s network, you can get preventative care immediately without worrying about a deductible. A $50 deductible and a 6-month to a year-long waiting period apply to all other repairs.

Over the first three years, both plans’ maximum benefits climb from $500 to $1,000, with the lower plan costing less overall. The maximum amount spent on implants across both tiers is $1,000.

How to Easily Obtain Quotes for Dental Insurance in Florida

Maintaining good dental hygiene is essential to overall health. Due to the high cost of maintaining optimal dental health, dental care plans are highly recommended. This protection can help ease your mind about potentially crippling future costs. There is a simple method to learn about dental plans if you don’t already have one: just look them up online. Follow these simple steps to quickly and properly compare dental insurance plans and prices.

  1. First, search online for well-known dental insurance company websites. You should check out the quote-obtaining websites. You may see your options and get rates online as an alternative to calling around different insurance agencies.
  2. The second step is to thoroughly examine all of the websites to learn about the various plans available and their associated costs. It’s up to you to determine if you truly need a full maintenance plan or if a supplemental one will suffice.
  3. Narrow down your options to the dental insurance companies that supply the plans that work best for you.
  4. Compare the prices. Check both the included and the exclusions of the promised advantages. And make sure you read the coverage provisions very carefully. Generally, getting a policy that covers your needs without breaking the bank is best. If money is truly limited, a low-cost maintenance package is a way to go.
  5. Make a final choice. Obtaining insurance is just the beginning; immediately begin using its perks.

Bottom Line 

Consider your coverage needs and alternatives to get the best Florida dental insurance plan for you and your family. When comparing Florida dental insurance quotes from many companies, it’s important to look closely at the coverage details to ensure the plans are comparable. Given their varying terms, it may be difficult to evaluate which one is ideal for you and your family. Consider a DHMO for cost-effective coverage or a PPO network for more provider options.

Reach out Today at NewHealthInsurance and get a dental insurance quote in Florida.

Dental Insurance in Florida FAQS

What is the best dental insurance in Florida?

Delta Dental is widely considered to be the premier no-premium dental plan in Florida. You can choose from various orthodontic care plans and other perks, yet it’s still one of Florida’s cheapest dental insurance policies.

How much is dental insurance in Florida?

The typical premium for dental coverage in Florida is $32 per month or $384 per year. Nonetheless, the ultimate cost will rely on factors like the specific dental coverage you select, whether or not you smoke, how many individuals you wish to include on your policy, and where you live.

How to get dental insurance in Florida?

Check with your company’s health insurance provider to obtain dental coverage in Florida. Alternatively, you can buy a separate or add dental coverage to your existing health insurance policy.

How can I get affordable dental insurance in Florida?

Florida residents can discover affordable dental coverage by shopping around on several websites. Find the most comprehensive and reasonably priced dental coverage in Florida right there. These services help you find quotations from the best insurers in your area and compare their prices.

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