Best Dental Insurance in Florida

Florida is a state that is known for its beaches, sunshine, and theme parks. But what about dental insurance? When it comes to maintaining good oral health, having dental insurance can be a great asset. In this article, we’ll take a look at the best dental insurance options available in Florida.

Why is Dental Insurance Important?

Many people tend to overlook the importance of dental insurance. However, it is just as important as having medical insurance. Dental insurance helps to cover the costs of preventative care and procedures, thus reducing the out-of-pocket costs for the insured individual.

In addition, regular dental checkups help to maintain good oral health, which has been shown to be linked to overall health. For these reasons, it is important to have dental insurance that covers a wide range of procedures.

Top Dental Insurance Providers in Florida

There are several dental insurance providers available in Florida, each offering a variety of plans. The top dental insurance providers in Florida are:

Insurance Provider	Plan Options
Delta Dental	PPO, HMO
Aetna	PPO, DMO
Cigna	PPO, DHMO
Humana	PPO, HMO

Delta Dental

Delta Dental is one of the most popular dental insurance providers in the country. They offer two types of plans in Florida: PPO and HMO. The PPO plan allows members to see any dentist in their network and receive coverage, while the HMO plan requires members to choose a primary care dentist who is in-network.

Delta Dental is known for its extensive network of dentists and affordable prices. They also offer discounts on procedures that are not covered by insurance.

One disadvantage of Delta Dental is that their plans may not cover certain procedures or treatments that other providers may cover. It is important to review the plan details carefully before signing up.

In addition, Delta Dental does not offer coverage for orthodontic treatment for adults in their HMO plans, which may be a deal-breaker for some individuals.

Overall, Delta Dental is a great option for those looking for affordable dental insurance with a large network of dentists.

Aetna

Aetna is another popular dental insurance provider in Florida. They offer two types of plans: PPO and DMO. The PPO plan allows members to see any dentist in their network and receive coverage, while the DMO plan requires members to choose a primary care dentist who is in-network.

Aetna is known for its commitment to preventative care and their coverage of a wide range of procedures. They also offer discounts on procedures that are not covered by insurance.

One disadvantage of Aetna is that their plans may have higher out-of-pocket costs compared to other providers. It is important to review the plan details carefully before signing up.

In addition, Aetna does not offer coverage for orthodontic treatment for adults in their DMO plans, which may be a deal-breaker for some individuals.

Overall, Aetna is a great option for those looking for comprehensive dental coverage with a focus on preventative care.

Cigna

Cigna is a well-known insurance provider that offers dental coverage in Florida. They offer two types of plans: PPO and DHMO. The PPO plan allows members to see any dentist in their network and receive coverage, while the DHMO plan requires members to choose a primary care dentist who is in-network.

Cigna is known for its affordable prices and extensive network of dentists. They also offer discounts on procedures that are not covered by insurance.

One disadvantage of Cigna is that their plans may have higher out-of-pocket costs compared to other providers. It is important to review the plan details carefully before signing up.

In addition, Cigna does not offer coverage for orthodontic treatment for adults in their DHMO plans, which may be a deal-breaker for some individuals.

Overall, Cigna is a great option for those looking for affordable dental coverage with a large network of dentists.

Humana

Humana is a popular dental insurance provider in Florida. They offer two types of plans: PPO and HMO. The PPO plan allows members to see any dentist in their network and receive coverage, while the HMO plan requires members to choose a primary care dentist who is in-network.

Humana is known for its comprehensive coverage and commitment to preventative care. They also offer discounts on procedures that are not covered by insurance.

One disadvantage of Humana is that their plans may have higher out-of-pocket costs compared to other providers. It is important to review the plan details carefully before signing up.

In addition, Humana does not offer coverage for orthodontic treatment for adults in their HMO plans, which may be a deal-breaker for some individuals.

Overall, Humana is a great option for those looking for comprehensive dental coverage with a focus on preventative care.

FAQ About Dental Insurance in Florida

1. How much does dental insurance cost in Florida?

The cost of dental insurance in Florida varies depending on the type of plan you choose, your location, and the insurance provider. Typically, dental insurance plans can range from $15 to $50 per month.

2. What does dental insurance cover in Florida?

Dental insurance in Florida typically covers preventative care, such as cleanings and exams, as well as basic procedures like fillings and extractions. Some plans also cover more extensive procedures, such as root canals, crowns, and bridges. Orthodontic treatment may or may not be covered, depending on the plan.

3. Can I purchase dental insurance on my own in Florida?

Yes, individuals can purchase dental insurance on their own in Florida. However, it is important to research different plans and insurance providers before making a decision.

4. Can I use my dental insurance out of state?

It depends on the insurance provider and the plan you have. Some plans may allow you to use your benefits out of state, while others may only cover in-state services. Be sure to check with your insurance provider before travelling.

5. What if I need a procedure that is not covered by my dental insurance?

If you need a procedure that is not covered by your dental insurance, you may have to pay for it out-of-pocket. However, some dental providers may offer discounts or payment plans to help make the procedure more affordable.

Conclusion

Choosing the best dental insurance provider in Florida can be overwhelming, but it is important to find a plan that fits your specific needs and budget. Delta Dental, Aetna, Cigna, and Humana are all great options to consider. Be sure to review each plan carefully and ask any questions before signing up for coverage.