Dental procedures are expensive. Even a routine teeth cleaning can cost you up to a few hundred dollars without insurance. We put together our list of the best dental insurance Florida has to offer — don’t sign up for a dental plan without checking out our overview of affordable dental plans in the Sunshine State.
Quick Look: Dental Insurance Companies in Florida
- Best for Cleanings and Exams: Delta Dental
- Best for No Waiting Periods: Smart Health Dental
- Best for Young Adults Families With Children and Teens: Guardian
- Best for the Humana Pharmacy: Humana
- Best for Quick Claims: Florida Blue Dental
- Best for a Large Suite of Products: UnitedHealthcare
Dental Insurance Providers in Florida
There are a number of reliable insurance companies that provide dental insurance in Florida. We analyzed different dental insurance providers to take the guesswork out of your search. It’s important to do your own research so you find the best dental insurance for you.
1. Best for Cleaning and Exams: Delta Dental
From plan choices to affordability, Delta Dental is a great all-around choice for dental insurance. As one of the largest dental insurance companies in the country, you’re not restricted to dentists in your immediate area.
Delta Dental also handles the entire claims process with in-network dentists, so you’ll only pay your portion of services.
Additionally, there are plenty of plan options for families and individuals alike. You shouldn’t have a problem finding an affordable dental plan through Delta Dental in Florida.
Pros
- Wide network of dentists and specialists
- Offers several dental plans to choose from
- Access to specialty care such as orthodontics and oral surgery
- Available in all states
Cons
- Waiting periods for some procedures
- Lower coverage percentages, require higher co-pays for some services
- Dental implants and teeth whitening not covered
2. Best for No Waiting Periods: Smart Health Dental
When you want to get started with Smart Health Dental, you have:
- No waiting periods
- Up to 100% preventative care coverage
- Expanding coverage
- Multiple plans
- 200,000 providers in the network
You can reach out right now for a free quote, learn about your dental health online and review all the providers in your area before you get started.
Pros
- You can easily sign up online or call for a quote
- Choose the plan that suits your budget and needs
- With no waiting periods, you can get the care you need right away
Cons
- You may not find your preferred provider in the network
3. Best for Young Adults Families With Children and Teens: Guardian
- Best For:Young adults and families with children and teenssecurely through Guardian Dental Insurance's website
Guardian offers individual plans in Florida for under $15 per month. Guardian’s prices are hard to beat if you’re looking for basic dental coverage. This affordable dental insurance provider also offers a higher level of coverage with competitive pricing options for Florida residents.
Choose between PPO or DHMO dental plans.
Pros
- Large dental network
- Offers a wide range of coverage options
- No waiting periods for Preventive and Basic Care on most plans
- 24/7 access to online portal to help you manage your claims, payments and more
Cons
- Coverage may not be as customized as with other group plans
4. Best for the Humana Pharmacy: Humana
Humana dental coverage ranks as one of the best in J.D. Power’s 2023 Dental Plan Satisfaction Study. It’s “better than most” in all categories of the study.
This includes overall satisfaction, cost, customer service and coverage. You can save on dental insurance costs by combining your vision and dental insurance plans through Humana.
Pros
- Trusted and one of the largest dental insurance providers in the country
- Offers a wide variety of plan options and coverage
- High customer satisfaction rating
Cons
- Orthodontic care not covered
- Dental implants not covered on most plans
5. Best for Quick Claims: Florida Blue Dental
One of the major benefits of a Florida Blue Dental plan is the discounts you’ll receive on non-covered services. You’ll receive discount programs for orthodontia and cosmetic dental services when you sign up for a dental insurance plan.
Let’s say you need braces or want to take advantage of teeth whitening. Florida Blue could be a good option. The plans also have low to no copays for most routine services.
Pros
- Provides DHMO-style plan which has no waiting period, no annual maximum, no deductible. and no restriction on pre-existing conditions
- Allows rollover of unused annual maximum for certain conditions
- Large provider network and allows out-of-network coverage
- 24/7 access to virtual care
Cons
- Need to double-check the coverage to maximize cost
6. Best for a Large Suite of Products: UnitedHealthcare
UnitedHealthcare dental plans rank about average in the J.D. Power Dental Plan Satisfaction Study. However, families of more than 3 don’t pay deductibles after the first 3. The deductible is $50 per person for the first 3 members and could save you a lot of money if you have a larger family.
Pros
- Acces to an extensive dental provider network
- Multiple insurance plan options to choose from
- No age limits
Cons
- Deductible, coinsurance and waiting periods apply to some basic and major services
Average Cost of Dental Insurance in Florida
A dental insurance plan can range in price depending on a number of factors, including:
- Coverage limits
- Individual or family coverage
- Amount of deductible
- Covered services
- Location
Expect to pay between $20–$50 a month for an individual dental insurance plan in Florida, or $240–$600 a year. The only discount normally available for dental insurance is to combine dental coverage and vision coverage from the same insurance company.
Depending on your dental insurance plan, you might be able to get a predetermined discounted rate for certain services.
Get Dental Coverage in Florida
Find the dental insurance you need in Florida by weighing your coverage options. Choose from a DHMO for affordable coverage or look into a PPO network for flexible provider options. Get a quote and get covered with the best dental insurance in Florida today.
Frequently Asked Questions
How does dental insurance work?
A dental insurance plan charges a premium in exchange for covered benefits, with a cap on benefits, which means your plan may stop providing coverage once you reach the annual cap.
Is dental coverage part of health insurance?
Some health insurance plans bundle dental coverage as well but, in many cases, dental insurance is a separate plan.
What kinds of dental insurance are available?
Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low. Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans, and a dental indemnity plan pays a fixed amount or percentage for covered services.
Dental Insurance Methodology
To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.
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