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What Is The Best Dental Insurance In Florida?

There are many types of dental insurance plans that work well in Florida. These well-known companies offer a wide range of services and benefits., Here’s a breakdown of the different dental plan options; why small businesses should consider offering dental benefits; and how to find dental coverage that fits your needs. What Is The Best Dental Insurance In Florida? What Is Dental insurance? Why do you need dental insurance? Continue reading below as we answer every question below.

What Is Dental insurance?

Dental insurance, sometimes called a dental plan, is a form of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network, and Dental Health Managed Organizations.

Why Do You Need Dental Insurance?

If you don’t get dental insurance through an employer, you may be wondering if it’s worth buying on your own. If you have generally healthy teeth, you may feel like you don’t want to pay for the coverage.

The fact is that dental insurance is a key part of preventing oral disease, as well as other, more serious conditions. Most dental plans cover preventive services, such as routine exams and cleanings, that keep your teeth (and ultimately your overall health) intact.

According to the American Dental Association:

  • 50% of adults over 30 have some form of gum disease.
  • Almost 1 in 4 kids under five have cavities.
  • 125 conditions are tied to oral health, including heart disease, obesity, diabetes, and more.
  • People with diabetes are twice as likely to have gum disease as those without diabetes.

Many employers cover dental coverage or subsidize the cost. If your work doesn’t cover dental insurance, it’s worth noting that many Marketplace plans give you the option to add dental coverage. You can also buy dental coverage separately.

If you need help finding health plans with this coverage, an eHealth licensed insurance agent can walk you through your options. Or, you can browse plan options in your Florida location by entering your zip code into the plan finder tool on this page.

Why Florida small businesses should offer dental insurance

If you are a small business owner in Florida with fifty or fewer employees, you’re most likely not required to offer Florida dental insurance. But that doesn’t mean there aren’t many benefits to doing so. A few advantages to making the best dental insurance in Florida available to your employees include:

  • Tax deductions: if you paid for part of your employees’ dental insurance, you could itemize the cost of those premiums towards medical and dental deductions on your taxes.
  • Attracting talent: being a competitive employer and bringing in the best talent will require offering a strong benefits package. Providing the best dental insurance in Florida might motivate the talent to come to your small business.
  • Retaining talent: fostering a sense of support within your small business by providing dental insurance may keep employees motivated. Employees who know they work for an organization that supports them and has their well-being in mind will be more likely to stay in the long term.

Learn More: What is dental waiting period? How to get affordable dental coverage

Finding dental coverage in Florida

As you might guess, there is a variety of opinions out there for ranking the best dental insurance in Florida. A great way to shop for Florida dental insurance and find the best plan for your business is to compare costs (like premiums, copayments, and deductibles) and perks of various plans. For individuals looking to buy stand-alone dental plans, eHealth also offers a wide variety of dental plan options, including HMO and PPO plans at different budgets. You can also browse and compare individual and family health plans with eHealth if you’d like to find a health insurance plan that includes dental insurance.

Navigating options for the best dental insurance in Florida can be both stressful and confusing. eHealth has licensed insurance agents available by phone and online who can help you see what fits your budget and the coverage needs of your employees or for yourself. Feel free to get started at your own convenience by entering your zip code into the plan finder tool. Or, if you need help along the way, give us a call and a trusted licensed insurance agent can assist you.

Read More: How To Verify Dental Insurance Benefits

What Is The Best Dental Insurance In Florida?

There are many types of dental insurance plans that work well in Florida. These well-known companies offer a wide range of services and benefits.

Here are just some of the most popular insurance companies patients are using here in Florida:

Florida Blue, Cigna, United Healthcare, Delta Dental, Humana, Aetna, Metlife, AARP, Guardian Dental, AFLAC Dental, among many others. These insurance companies provide a wide range of dental plans. Typically, they offer. HMO, PPO, AND FEE-FOR-SERVICE PLANS

  1. HMO or DHMO Plans. These Health Managed Organization dental plans provide coverage at some very reduced rates. However, benefits are limited to those providers that work in-network, with a prior referral from a primary care provider.
  2. PPO plans make the most popular plans today. They allow you to choose an in-network dentist, but you still have the option to visit an out-of-network doctor if you prefer. If you choose an out-of-network office that works with your insurance company, you can get your money reimbursed by filing the claim correctly (a friendly fee-for-service office can do all the paperwork for you). While out of pocket costs might be lower if you go in-network, going out of network gives you more freedom of choice to find the right dentist.
  3. FEE-FOR-SERVICE PLANS, aka indemnity plans, offer the widest choice of dentists. As with a PPO plan, if you choose an in-network dentist you will pay for a certain amount of the service, and the insurance company will pay the rest.

The basic difference between PPO and Fee-for-Service is that a with a PPO plan you will be reimbursed at a higher amount. With a Fee-for-Service plan, you will probably wind up spending more out of pocket for the dental services you get.

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What Do Dental Insurance Plans Cover?

Usually, preventative services are fully covered by most dental plans. Some plans cover 100% or  80% of the costs. Preventative services include:

  • Checkups
  • X-rays
  • Cleanings
  • Tooth sealants

Restorative services including implants, crowns, bridges and other restorative treatments may be covered up to 30%, 40% or 50%, depending on the type of plan you have.

Why Are People Choosing These dental Insurance In Florida?

The best dental insurance plans in Florida offer benefits that vary according to the type of plan you choose. People choose these companies to reduce out-of-pocket expenses and avoid unexpected costs when some major dental work needs to be done.

Below are some of the most popular plans and their features:

  • United Healthcare is best known for the family benefits they offer. You don’t pay deductibles if your family includes more than 3 members.
  • Delta Dental offers a vast range of providers across the country (more than 300,000). Delta Dental offers HMO, PPO, and Fee-for-Service plans, according to your budget and particular needs.
  • Humana is one of the largest dental insurers in the country, offering plans that combine vision and hearing with dental checkups for special discounts. You can choose individual, family or employee plans . Humana offers HMO, PPO and dental savings plans.
  • Metlife offers PPO dental plans for individuals, couples, and families. Plans typically cover preventative services fully. Under Metlife PPO plans, you have the option of visiting either in-network or out-of-network providers. (RECOMMENDED)
  • Guardian and Florida Blue (provided by Blue Cross and Blue Shield) both offer PPO and HMO plans. With  HMO plans,  preventative services are included within the yearly fee but a primary practitioner is in charge of your dental care.  PPO plans allow you to choose in-network with lower costs, but you may also opt for an out-of-network dentist if you so choose.

Read More: How To Get Tricare Dental Coverage

With all the benefits dental insurance might have, keep in mind that most plans cover only a portion of the cost of your dental work. For major treatments, dental plans offer coverage up to a limit of $1500-2000 per year.

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