A Guide To Finding The Best Dental Insurance -Florida

It costs a lot to have dental work done. If you don't have insurance, even a simple dental cleaning could cost you several hundred dollars. We’ve compiled a guide for you to find the best dental insurance in Florida to save dollars while taking care of oral health, don’t sign up for a dental plan without checking out our overview of the best dental insurance in the Sunshine State.

It is common knowledge that the mouth is a window into one’s general health. Dental hygiene and health are strongly related to overall health. Thus it is critical to visit the dentist on a regular basis to ensure that you are in peak dental fitness. Going to the dentist does have some expenditures, which is why having good dental health coverage is essential.

Dental insurance covers the price of preventive dental care while easing the impact on more expensive procedures such as crowns, bridges, and fillings. It is critical to browse for a dental insurance provider that offers policies that provide the amount of coverage you require without having low yearly caps or exclusions preventing you from receiving any value.

Dental and vision insurance are not covered by ordinary individual or family health insurance plans. However, dental care is quite crucial for a person’s health. The right dental insurance policy will help you stay healthy and keep your teeth in good shape. That is why we’ve put together a guide to the best dental insurance in Florida.

The best dental insurance plans offer an extensive network of dentists, fair yearly benefit caps, and the possibility of affordable rates. When looking for the finest dental insurance company, compare and study the dental policies you’re considering to know exactly what’s covered and what isn’t.

What is dental insurance?

Dental insurance offers coverage to assist in lowering the price of dental expenses. You’ll have access to subsidized dental services in exchange for a monthly premium (or charge). The actual amount of dental benefits you receive depends on the type of plan you select and the level of coverage. Like with health insurance, you’ll frequently have to cover a deductible. You must pay a deductible before your dental coverage begins to pay for specific dental services.

The maximum benefit limits are where health and dental insurance diverge most. Frequently, the amount of out-of-pocket expenses for health insurance is limited to a specified number. Your health insurance will cover any further medical costs you incur throughout the year once you’ve reached this threshold.

Almost the exact reverse is true for dental insurance. The majority of dental insurance plans provide a coverage cap. You must pay for all additional dental procedures once the insurance company has covered a predetermined monetary service amount.

Why do you need dental insurance?

If you do not have dental insurance through your employer, you may wonder if getting it on your own is worthwhile. You may be hesitant to pay for coverage if you have healthy teeth. In reality, dental insurance is an essential aspect of preventing oral illness as well as other, more severe conditions. Most dental plans provide preventative services, such as routine checkups and cleanings, which help to keep your teeth (and thus your overall health) in good condition.

Florida is in the lowest ten states in the following oral health categories, according to data from the Public Health Dental Program 2017, which was collected in 2017.

  • Adult population with dental health that ranges from fair to bad
  • The proportion of teenagers who have recently visited a dentist

Additionally, according to data, about 20% of adults aged 60 and over had no natural teeth left in 2018, and nearly half of Florida adults (45.8%) had their permanent teeth removed due to gum disease. Regarding the sunshine state’s younger generation, a quarter of Florida’s third-graders had untreated tooth decay.

Unfortunately, the high expense of dental treatment can keep Floridians from receiving the necessary dental care. According to the American Dental Association, people with dental insurance are more than twice as likely to visit the dentist. Fortunately, Florida residents can choose from a range of independent, stand-alone dental plans that can help them save money on their dental care.

How does dental insurance work in Florida?

Dental insurance functions similarly to health insurance; depending on the type of dental plan you choose, you may receive preventative care, x-rays, cleanings, checkups, and other dental benefits. Specific plans, such as senior dental insurance in Florida and individual dental insurance in Florida, provide a broader or more particular spectrum of coverage in addition to covering the basic operations.

You may also come across insurers that offer dental insurance in Florida with no waiting time and policies that cover essential treatments such as root canals. The particular advantages you receive are determined by the coverage policy you select.

How much does dental insurance cost in Florida?

For many Florida policyholders, the most affordable dental insurance will be the most excellent option. Depending on the state where the coverage is bought, there can be significant price variations. In Florida, insurance policies are typically more affordable and can range in price from $20 to $50 per month or $20 to $600 annually.

However, the cost of a dental insurance policy in Florida will differ based on several variables, including age, coverage limitations, deductible amounts, gender, location, and services covered. There may also be a significant price difference when it comes to specific operations like braces, bridges, crowns, and dentures.

How can you find a good and affordable insurance plan in Florida?

Searching on a number of different online websites is an excellent approach to getting affordable dental insurance in Florida. Information regarding the most outstanding dental insurance in Florida is available online, where you can search for reasonably priced dental insurance.

By limiting your options based on where you are, these websites enable you to compare prices and obtain quotations from leading insurers. Before selecting a dental insurance plan, it’s essential to do some homework regarding your family’s dental history, current oral health status, and budget. Here are some points to look out for a while looking for the best dental insurance in Florida.

Consider your needs

Your demands for dental insurance will be significantly different if you are a single adult under 30 with excellent dental health and no history of oral disease, as opposed to a family of four with two young children. The four-person household may include a parent with a history of gum disease, a child who will probably need braces, and a second child who has had numerous cavities in the past.

In this situation, even if the plan’s cost is slightly greater, the family of four may wish to invest in a more comprehensive dental insurance policy, given the potential of more frequent trips to the dentist and more expensive operations.

Make a basic summary of the dental and oral health needs you or your family have, including historical, present, and anticipated conditions and the cost of previous dental care visits, to understand your requirements fully. This will be a helpful standard for comparing insurance and projecting overall expenses.

Determine the types and plans that are offered in your area

Dental insurance policies come in many different forms. Each will operate differently regarding out-of-pocket expenses, benefits, deductibles, and other factors. The dental insurance plans you can select from—even if you don’t have access to all of them, will depend on what’s offered in your neighborhood. To learn more about the various plans offered, get in touch with the dental insurance providers that operate in your area.

Gather information on what is covered by each plan

You can start digging deeper into the specifics, such as covered treatments, waiting periods, and annual restrictions, once you know the types of dental insurance plans supplied by your company or those readily available in your area.

You can make a decision more quickly if you make a list of the advantages and disadvantages of each plan and compare different plans with one another. When analyzing your choices, think about the following options

  • What if an annual maximum limit exists? This is the total sum of money the plan will pay out during the benefit term. Is there a wait time? This is the period of time you have to wait after acquiring coverage before you may use your benefits.
  • What are the coverage variations between dental visits made within and outside a network? In other words, can you get full or partial coverage when visiting a dentist who is not in your network?
  • Most dental insurance plans do not typically cover aesthetic operations like teeth whitening, so if you want to book one, be aware. Before deciding, get in touch with the dental insurance provider if this is important.

Be mindful of network size

The network size (i.e., the contracted dentists enrolled with the plan) will vary depending on the type of dental insurance plan. The network size may be necessary if you reside in a location with few dentists nearby.

Additionally, you might want to find out if the dental plans you’re looking into include your present dentist. Be aware that if your current dentist is out-of-network, you will probably have to pay extra out-of-pocket to keep seeing them.

Think about the expenses and your budget

In terms of out-of-pocket expenses, different dental insurance policies will operate differently. The PPO is the most desirable option since it balances cost and service access. Spend some time estimating your yearly dental expenses based on historical trends to evaluate which dental plan makes the most financial sense for you.

Take into account the following while calculating the numbers. This will help you understand your options from a financial perspective and make the best choice with your family’s budget.

  • Premiums (monthly vs. annual)
  • Co-payments
  • Deductible (if applicable)
  • Annual maximum

Find out if you can get group coverage

Individual policies are more expensive than group policies, whether purchasing single insurance or one for your entire family. There are certainly disadvantages to buying a single insurance policy type of coverage.

Most people with dental insurance do so through their employer, other group coverage programs like AARP, Affordable Care Act marketplace health insurance policies, or government programs like Medicaid, the Children’s Health Insurance Program (CHIP), and TriCare for military service members.

These plans are generally less expensive and might offer better advantages than buying individual insurance. Even an employer-sponsored plan’s specifics should be carefully examined before deciding whether the premiums are reasonable for someone in your situation.

Although group coverage provided by an employer-sponsored plan is frequently the best option to obtain dental insurance, this does not guarantee that the plan will suit you. Always read the fine print before enrolling in a group plan.

Types of dental plans in Florida

There are generally a few different dental plans, whether you’re looking for insurance for someone else or trying to get Florida dental coverage for yourself. The two most common types of plans are HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and Dental discount plans.

An HMO or DHMO (dental health maintenance organization)

When you begin a DHMO plan, also known as a prepaid dental plan, you will select one network dentist from the available options. Your primary healthcare provider is this dentist. Each plan member pays a monthly fee to the dentist in the network.

Thanks to this predetermined monthly payment to dentists, you can receive routine dental care for little to no cost. For DHMO plans, there are typically no benefit caps or copays. If you select a dentist other than your primary provider, you can be required to pay the entire cost of services out of pocket. Before undergoing specialty dental procedures, you typically need a recommendation from your primary physician.

Pros

  • There is no deductible or benefit cap, just a fixed copay.
  • These offer the lowest plan premiums.
  • There are short waiting periods, and some plans have no waiting period.

Cons

  • There are restrictions on which dentists you can see.
  • If you receive care outside of the network, you can be required to pay the total price.

A PPO (preferred provider organization) plan

Plans from preferred dental provider organizations offer a dentist network where you can get dental services at a lower cost from dentists who are part of the network. Typically, you pay a copay, deductible, or both, and your insurance takes care of the remaining cost. If you visit a dentist, not in the network, your benefits can be lessened.

Consider a PPO plan with a $50 copayment for a dental procedure with a participating dentist. If you go to a dentist who is not in the plan, there is a $75 copayment for the same service. Almost all PPO dental plans include a benefit cap as well. You’ll have to pay out-of-pocket for additional dental services once your insurance coverage has been used up for the year.

Pros

  • You can choose any dentist you want to see.
  • You won’t need to select a regular dentist and don’t require a prescription to see a specialist like an oral surgeon.
  • Utilizing a dentist part of your insurance network can result in significant savings.
  • Your insurance company receives in-network claims automatically.

Cons

  • They cost more than the alternatives.
  • If you visit a dentist outside your dentist network, your dental care will cost extra.
  • A yearly maximum reward will be given to you.
  • Compared to other plan kinds, the waiting period is longer.

Dental discount plans

Dental discount programs aren’t technically insurance. These are discount programs for specific dental services. There is typically a network of dentists. A discount card is provided for you to show to an in-network dentist.

You can immediately save money on dental treatments with this discount card. Savings could be expressed as a set financial figure or as a percentage of ongoing service costs. You must pay a monthly or yearly charge to access the discount plan.

Let’s take an annual dental discount package costing $100 as an example. At a dentist who participates in the plan, routine cleanings cost $100. As a result of the 20% discount provided by your discount plan, the service will only cost you $80.

Pros

  • There’s no maximum benefit.
  • You don’t have to complete claims paperwork.
  • There are no waiting periods.
  • You receive a predetermined discount on specific services rather than having to pay a deductible, copayment, or coinsurance.

Cons

  • Contrary to many dental insurance policies, you won’t get free preventive care.
  • A minor discount might be available for more expensive services like wisdom teeth extraction.
  • Dental and vision insurance cannot be bundled for a discount.

What coverage is right for me, individual or family dental plans?

You might be unsure of whether an HMO or PPO plan would be more suitable for your needs if you’re looking to purchase standalone dental coverage for yourself or your family. Even though no one can decide for you, your tastes, conditions, and finacial situation may determine the best option.

You might wish to choose a PPO if you place high importance on being able to see a particular dentist and most provider networks don’t offer them. Although your out-of-pocket payments can be greater, you can choose any accepted licensed dentist.

However, an HMO is typically less expensive if you’re generally healthy and don’t mind having fewer provider options. A comprehensive range of routine and preventative dental services will be available to you at a lower cost of coinsurance.

Remember that specific dental plans may mandate a different deductible for each family member and child if you’re looking for family dental coverage. Always review the cost-sharing and benefits information for any plan you’re considering, and compare dental insurance plans to discover the best fit.

How can you obtain dental coverage in Florida?

Florida has a simple sign-up process for prospective policyholders with dental and vision insurance companies. Before making a purchase, it’s a good idea to list your particular requirements. There is no open enrollment period for dental insurance, in contrast to health insurance plans. Therefore unless otherwise noted, you can enroll any time during the year.

To choose the best plan for you and your family, you must ask all possible Florida dental insurance providers about the advantages, expenses, and other variables that may affect your insurance. Then you should assess your needs and affordability to decide better about the best insurance company that suits your needs.

Best dental insurance Florida

There are several options to suit your dental needs and budget if you’re looking for a standalone, independent dental insurance plan in Florida. Like health insurance, the cost of your plan is influenced by several variables, such as your location, age, smoking status, the number of family members covered by the plan, and more.

After carefully analyzing the different aspects and going through the best dental insurance Florida provides its citizens, we narrowed down five companies in terms of coverage and affordability.

  • Cigna
  • Guardian
  • Physicians Mutual
  • United health care
  • Delta Dental

Cigna

The complete package and detailed coverage are available from Cigna dental insurance in Florida at reasonable rates. The business has an extensive network of dentists nationwide and a favorable financial strength rating. Here are the pros and cons of Cigna insurance

Pros

  • You can purchase a dental plan that includes both restorative and orthodontic services.
  • No copayments or deductibles are required for preventative care under any of the plans.
  • Cigna has a network of more than 90,000 dentists around the country.

Cons

  • The plans don’t include cosmetic treatments or dental implants.
  • The primary care plan has a waiting period of 6 months, and significant services have a waiting period of 12 months.

Guardian

Both DHMO and PPO plans are available via Florida’s Guardian dental insurance. This insurer provides excellent basic dental coverage at affordable prices. The business is in good financial shape. The coverage includes implants, crowns, root canals, x-rays, and cleanings. Here are the pros and cons

Pros

  • Guardian offers highly affordable preventive care that includes checkups and cleanings.
  • It has a network of more than 100,000 dentists nationwide.
  • Their website’s cost calculator provides an exact price quote for a variety of dental services.

Cons

  • The ACA dental coverage plans are available in a few states.

United Healthcare

Florida’s United Healthcare dental insurance is adequate for basic dental coverage on a tight budget. It is financially sound and has an excellent customer satisfaction rating. Additionally, it boasts an extensive network of dental practitioners. Here are the pros and cons

Pros

  • There is no age limit.
  • It offers a simple and quick online application and quote process.
  • Low coinsurance fees.

Cons

  • Orthodontic treatment is covered by just one dental plan.
  • It doesn’t offer a plan comparison on the website.
  • For general dental care, there is a six-month waiting period.

Physicians Mutual

The most excellent option for seniors is Florida’s Physicians Mutual dental insurance because it covers over 350 dental procedures, including crowns and dentures. The business has good financial stability. Additionally, three distinct options are provided that can accommodate various budgets. Here are the pros and cons

Pros

  • There isn’t any waiting period for preventive treatments.
  • It doesn’t have any deductibles.
  • There are no annual or lifetime limits.

Cons

  • Three months are required for necessary therapies, and twelve months are required for much-needed treatments.
  • The amount that the insurer will cover for each procedure has a cap.

Delta Dental

One of the most prominent dental insurers in the nation is Delta Dental insurance in Florida. It offers the most comprehensive dental coverage and is one of Florida’s most cost-effective dental insurance solutions.

You simply have to pay your share of the treatments because the company handles the claim process for the dental care providers as part of its network. More than 348,000 dental practitioners are part of its network. Here are the pros and cons

Pros

  • There is no cost for out-of-pocket expenses for preventive care.
  • Most programs cover orthodontic procedures.
  • No waiting period.
  • An extensive network of dentists.

Cons

  • Plans’ annual features and price points vary greatly.
  • Low annual maximums for benefits.
  • It has only 50% of orthodontic treatment coverage.

Despite any potential benefits, it’s important to remember that most plans for dental insurance only cover a percentage of the cost of your dental work, and you might have to pay out of pocket for several expensive cosmetic procedures.

Conclusion

By comparing your coverage options, you can find the dental insurance you require in Florida. Choose a DHMO for cost-effective coverage or research PPO networks for a wide range of provider options. Get a quote and get dental insurance in Florida right away. Now that you have the necessary knowledge, you may search for the finest dental insurance in Florida to safeguard and preserve your oral health without making a sizable dent in your pocketbook.

Sandra Johnson

Sandra Johnson

Sandra Johnson was a few years out of school and took a job as a life insurance agent in California, selling coverage door-to-door for Prudential. The experience taught her about the technical components of insurance and its benefits for individuals and society, as well as the misunderstandings people often have about insurance. She has over ten years’ experience in the insurance industry, having worked as both a Broker and Underwriter, assisting clients across a broad range of industries. At Insurance Noon, Sarah diligently gathers all the required information and curates up pieces to provide meaningful insurance solutions. Her personal value proposition is to demonstrate a genuine interest in always adding value for clients.Her determined approach to guiding clients has turned her into a platinum adviser to multiple insurers.