Saturday, August 13, 2022

Best Dental Insurance For Florida

Don't Miss

What Is Dental Insurance With No Waiting Period

Best Cosmetic Dentist Singer Island FL: Dental Office In Singer Island

Many dental insurance policies impose a waiting period of months or even years before certain services are covered, meaning you might have to choose between putting off essential procedures or paying the full cost out of pocket. Dental insurance with no waiting period begins coverage on day one so you dont have to wait.

Most Popular Type Of Dental Insurance In Florida

Like health insurance, there are many different types of dental plans, and the average dentist participates in about six of those plans, according to the National Association of Dental Plans . The most popular type of dental plan in Florida is preferred provider organization plan. In fact, PPOs make up more than 80% of Florida dental plans, according to the NADP.

What is a dental PPO?

While this type of dental plan isnt the cheapest, PPOs offer flexibility that is important to many enrollees. You have the option to pick a dentist of your choice. If the dentist is in the plans network, services will be less expensive, but you can still go outside of the network if you dont mind paying a little extra.

Do You Need Dental Insurance In Florida

According to 2017 data collected by the Public Health Dental Program, Florida ranks poorly in the following categories measuring oral health:

  • Percentage of adults with fair to poor oral condition
  • Percentage of adolescents who have visited a dentist in the past year

Data also shows that almost half of Florida adults had permanent teeth removed because of gum disease in 2018, and nearly 20% of adults aged 60 and above had no natural teeth left. Regarding Floridas younger generation, a quarter of 3rd-grade children in Florida had untreated tooth decay.

Unfortunately, the high cost of dental care can prevent Florida residents from getting the dental care they need. However, people with dental insurance are more than twice as likely to visit a dentist, according to the American Dental Association. Luckily, Florida has a variety of independent, stand-alone dental plans available for Florida residents that can help reduce the cost of their dental care.

Read Also: How To Get Depreciation Back From Home Insurance

Why Has Dental Insurance Become So Popular

A person’s smile often is the first thing others notice about them. A beautiful set of pearly whites can make or break that first impression.

Keeping our teeth, gums and mouth healthy goes a long way in improving our appearance. As we age, our teeth develop numerous issues which should be monitored and treated by a dental professional. But let’s face it – dental procedures can be expensive. Even a routine exam and cleaning can cost over $100 in most areas. Costs can be even higher for those without dental insurance.

Recent figures indicate that 42 percent of all Americans go without dental insurance, which in turn results in a lack of regular visits to the dentist.

However, studies in recent years have linked improper dental care and health to everything from heart disease to diabetes and even cancer. A healthy mouth is the first step toward a healthy body.

Some people are lucky and have dental insurance included as part of their regular health insurance package through an employer. For those people, espousing the benefits of proper dental hygiene and care are unnecessary. They have the benefits in place and are happy to use them.

For those who are not lucky enough to have dental insurance through an employer, the benefits of purchasing your own plan through an insurance broker or directly from a dental insurance company are numerous.

Room For Improvement In Providing Dental Insurance To All

Find the Best Dental Insurance in Florida

Comprehensive coverage of dental care for children under Medicaid and the Childrens Health Insurance Program is one of the ten essential health benefits under the Affordable Care Act .

Medicaid provides a comprehensive mandatory benefit package for children which includes oral health screenings, diagnosis, and treatment services. However, its not available to adults.

Dental benefits for adults on Medicaid are not required by federal law, but are offered as a state option, which has made access to dental coverage more challenging for seniors than for children. Furthermore, most states only provide limited coverage .

Seniors are the biggest focus of uninsured population, said Evelyn Ireland. 60 percent of seniors with Medicare Advantage plans instead of traditional Medicare have dental benefits through those plans. In 2017, only 1/3 of Medicare eligible individuals had Medicare Advantage plans, and 63% of those have dental.

The number of uninsured adults 65 and older increased slightly in 2016

The American Dental Associations Health Policy Institute gathered new data, showing a slight increase in uninsured seniors for 2016. Courtesy of the American Dental Association and the Medical Expenditure Panel Survey .

In the last decade, Medicaid and Childrens Health Insurance Program have slightly improved their dental care benefits. This improvement has sparked an increase in childrens use of preventive and primary dental services.

Don’t Miss: How To Get A Health Insurance License

What Is Dental Insurance

Dental insurance provides coverage to help reduce the cost of dental bills. In exchange for a monthly premium , youll have access to discounted dental services.

The type of plan you choose and level of coverage determines your actual amount of dental benefits. Just like health insurance, youll often have to pay a deductible. A deductible is the cost of dental services youre required to cover before your dental benefits kick in.

The biggest difference between dental and health insurance is the maximum benefit limits. You often only have to pay up to a certain amount out of pocket for health insurance. Once you reach this limit, your health insurance pays for any other medical costs you may have over the year.

Dental insurance works almost the opposite. Most dental plans provide a coverage limit. Once the insurance company pays for a certain dollar amount of dental treatments, you pay any additional treatments out of pocket.

Heres an example:

Lets say your dental insurance covers treatments up to $1,000. You have several procedures done that costs $1,200. Your dental insurance pays for up to $1,000 of covered procedures. You pay the remaining $200 out of pocket. Any additional treatments for the rest of the year would also be out-of-pocket expenses.

Braces And Implants Cover

Are you planning to use your dental insurance for braces, dental implants, or other cosmetic procedures like teeth whitening? Not all policies cover this kind of work, so check the details carefully to avoid disappointment. These procedures usually come with relatively low annual or lifetime limits so even if you have some cover, you’re likely to still have significant out-of-pocket costs.

If you’re looking for a plan to cover orthodontic work, you can search now at While you’re there, if you need any guidance, you can call their number at to speak with one of their licensed agents.

Don’t Miss: What Car Insurance Is Required By Law In Florida

Best Preventive Care: Denali Dental

Denali Dental

  • Coverage Limit: $750 to $6,000
  • States Available: 34

Denali Dental is best for preventive care of all the insurers in our review because the company covers more preventive care services than any other provider, which means you can get your teeth cleaned up to four times per calendar year from one policy.

  • Four cleanings and two exams included annually

  • Low lifetime deductible

  • Up to $6,000 annual maximum

  • Orthodontics not covered on lower-cost Ridge plans

If you like to stay on top of preventive care for your teeth, Denali Dental offers no-wait plans that include four cleanings per year, more than any other provider. The two plansnamed Ridge and Summitare priced by geographic area and can be more or less expensive depending on where you live. You can get a quote on Denali Dental’s website.

While monthly premiums may be high, Denali Dentals loyalty incentives might make the cost worth it for anyone who intends to stay with the same provider for several years.

The Ridge and Summit plans cover 100% of preventive services, so your four annual cleanings will be completely free of charge.

How Much Does Dental Insurance Cost In Florida

Best Dental Insurance

For adults who purchase their own or family stand-alone dental coverage through the exchange, premiums range from $18 to $97 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Florida over a two-year period was $45.16.

For families purchasing coverage through Floridas health insurance exchange, the premiums attached to pediatric dental coverage may not be paid for by premium tax credits . Heres more about how that works, depending on whether the health plan has integrated pediatric dental benefits.

Recommended Reading: How To Take Care Of Your Teeth Without Dental Insurance

The 7 Best Dental Insurance Plans With No Waiting Period Of 2022

  • Coverage Limit: $1,000 to $1,500
  • States Available: 49

Humana offers the most diverse dental insurance options with no waiting period, with three different plan types to choose from. Factor that in with affordable premiums, low deductibles, and a huge network of providers, and this insurer easily comes out on top as best overall option in our review.

  • No waiting period for all covered services on some plans

  • Choose from three different plan types

  • 270,000 in-network dentists

  • Higher coinsurance than some competitors

Humana offers no waiting periods with four of its seven dental plans, and the options and benefits available are some of the best in the industry. Those who want coverage to begin immediately can choose from a PPO plan, HMO, or a dental discount plan with some of the lowest premiums we were able to find from any provider.

Humanas Preventive Value Individual and Dental Loyalty Plus plans provide PPO coverage, and we were quoted reasonable rates. Preventive Value Individual is designed for those who need only preventive and basic services, while Dental Loyalty Plus adds major service coverage. Both plans pay for 100% of preventive services. These preventive services include the standard two cleanings with exams per year.

Is Dental Insurance Worth It

You are the only one who can answer this question from your perspective. To help you answer this, we would recommend looking at how much you have spent on dental care over the past three to five years, and whether you have seen an increase in the amount of dental care you are needing.

Take the cost of what you have paid for dental care in recent years and compare it against how much you would pay for dental insurance premiums, copayments, and deductibles each year with the dental insurance plan youre considering.

You may discover that, if your oral care needs are low, youre financially better off paying out of pocket. If you do take out a dental insurance plan, make sure you use it to ensure youre getting the best value for money each month. That means attending all of your allowable preventive exams and cleanings.

Read Also: How To Calculate Cash Value Of Life Insurance Policy

How To Obtain Best Dental Insurance In Florida

Dental and vision insurance providers in Florida have a straightforward procedure for potential policyholders to sign up. It is wise to first determine what exactly you want before finalizing your purchase. Unlike health care insurance plans, there isnt any open enrollment period for dental insurance, which means you can obtain the insurance any time of the year unless otherwise stated.

You must ask your potential Florida dental insurance providers about the benefits, costs, and other factors that can impact your insurance to find the right plan for you and your family.

Need More Information Here Are Resources To Help You Learn And Compare

Dental Insurance Florida

4, 2020

Brought to you by The Guardian Life Insurance Company of America , New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only. Policy Form #GP-1-DG2000, et al.

2022-135735 20240531

Don’t Miss: Does Full Coverage Car Insurance Cover Hurricane Damage

Best Dental Insurance: Florida

The best-selling plans for Florida dental insurance at eHealth in 2018 are as follows:

  • Multiflex Dental Classic 2000Provider: Nationwide Life Insurance Company
  • Dental Premier Elite SMProvider: Golden Rule Insurance Company
  • Dental for Everyone Platinum PlanProvider: Delta Dental Insurance Company
  • Loyalty Plus

eHealth has a variety of carriers from which we offer quality dental insurance:

  • Delta Dental Insurance Company

How Can I Get Dental Insurance In Florida

You can get dental insurance in Florida through your employer’s health insurance plan. Alternatively, you can purchase health insurance and add dental coverage to your plan, or you can simply purchase a stand alone dental insurance plan.

Before purchasing dental insurance, you should compare carriers and coverage levels, and check whether or not your preferred dentist is within the carrier’s network to keep costs at a minimum. You can get a quote and submit your application to purchase a plan.

Don’t Miss: Can You Get Insurance On A Car That’s Not Yours

How To Choose The Best Dental Plan In Florida

Basically, you need to consider your personal circumstances. Your specific needs will lead you to the plan you feel more comfortable with.

Choices are not the same when you are looking for an individual dental insurance plan than when you need a family plan. There are differences between a standalone plan and a plan from your employer.

You will also need to consider if you need a large network of dentists across the country, or if you just need a plan that works well locally.

With all these things to take into consideration, you should always look for a reliable insurance company, and try to buy the plan that best suits your needs.

What Are The Different Types Of Dental Plans

Best of Central Florida with Justin Clark & Makaila Nichols: Best Dental

Most dental insurance companies offer a variety of plans across many states. That means you should be able to find plans ranging from affordable to ‘gold level’, premium coverage. Here are the most common dental insurance plans available now:

Dental discount plansThese are not full-coverage plans and should not be considered dental insurance, but they do provide discounts for common procedures. Discount plans usually only cost around $10 per month per person and the benefits can be used immediately, without a waiting list.

Preventive-only plansThese low-premium plans may be suitable for those who dont usually need dental work, and will help you cover the cost of preventive exams and cleanings.

Standard individual plansThe most popular dental plan for individuals since it covers most costs associated with preventive exams. Most cover two exams, cleanings and x-rays per year, and will partially cover additional work. There may or may not be a small exam copay.

Family dental plansThese dental plans are similar to standard individual plans. However, many insurance companies will offer the benefit of a family deductible. While most dental plans require a $50 deductible per person, the majority have a maximum family deductible of $150, which could be beneficial to those who need to insure more than three people.

Also Check: Does Aaa Offer Travel Medical Insurance

Florida Dental Insurance Plans

Florida dental insurance plans typically cover preventative exams, routine teeth cleaning, fillings, and x-rays. Some plans cover periodontics, endodontics, How much is dental insurance in Florida?How much does dental insurance cover in Florida?

May 3, 2022 10 popular PPO dental plans in Florida Delta Dental Dental for Everyone- Gold. $32.83. $50 Delta Dental Dental for Everyone- Platinum. $41.19.

Plans for individuals and groups | Delta Dentalhttps://www1.deltadentalins.com

Quality dental plans with comprehensive coverage for individuals and families. Cigna offers affordable dental insurance nationwide. Get a free quote.

May 14, 2022 Our best-selling plans in Florida · Managed DentalGuard · Immediate Coverage Plan · Hollywood Smile Premier Plus 2000.

Dental Plans and Program. In Florida, most Medicaid recipients are enrolled in the Statewide Medicaid Managed Care program. The program has three parts:

STANDARD PPO DENTAL. $29.07 · Select a PPO Provider Annual Max: $1,000 COMPREHENSIVE PPO DENTAL. $39.23 · Annual Max: $1,750. Visit any dentist. Orthodontia for

Mar 17, 2022 Best Dental Insurance Providers in Florida · 1. Delta Dental · 2. Guardian · 3. Humana · 4. Florida Blue Dental · 5. UnitedHealthcare.

Delta Dental: Affordable Dental Insurance Planshttps://www.deltadental.com

What Are Dental Savings Plans

Looking for affordable dental care in Florida? A Dental Savings Plan makes it easier to pay for regular dental checkups, restorative dental care such as root canals and crowns, and unexpected expenses at the dentist’s office. You can also save on braces, bridges and dentures everything you need for a healthy, great-looking smile!

And with Dental Savings Plans, you dont have to wait before you can access discounted dental treatments. You start saving as soon as your plan activates within 24-72 hours, depending on the plan you choose. There are no annual spending limits either.

Dental insurance typically has a maximum of $1,000-$1,500 about the cost of one root canal and crown! With your Dental Savings Plan, you dont have to worry about how much you need to spend to get the dental care you need.

Heres some more good news: everyone qualifies for Dental Savings Plans. There are no background checks. You simply join the plan of your choice, and start saving at any participating dentist. You pay the dentist your discounted rate, so there is no paperwork to worry about either.

Don’t Miss: Do Travel Trailers Need Insurance

More articles

Popular Articles