Best Dental Insurance Florida
Updated:
We chose the best dental insurance companies in Florida, based on coverage options, costs, and customer reviews.
Retirement Living takes an unbiased approach to our reviews. We may earn money when you click a partner link. Learn More

Careington Dental
Careington Dental offers two dental discount plans for individuals starting at $14.95 per month. You may add unlimited family members for $40 per person. Each plan offers dental discounts at a vast network of general dental partners, with no deductibles or coverage limits to worry about.
DentalPlans.com
DentalPlans.com provides dental coverage to more than 1 million customers across all 50 states. DentalPlans.com has an extensive network including more than 140,000 dentists across the country.
Smart Health Dental
Smart Health Dental offers insurance plans with up to 100% coverage on preventive procedures. Depending on plan type, seniors can get up to 50% coverage on treatment and repairs to bridges, implants, and dentures. Plans come with no waiting period, so you can use your benefits immediately.
Aetna Dental
Aetna offers multiple dental insurance plans. Choose from three network-option PPO plans, and hybrid vision and dental plans.
Spirit Dental & Vision
Spirit Dental offers dental insurance for children and adults in the United States, with options for orthodontia, senior dental care, and vision insurance. The company features affordable plans with higher maximum benefits compared to competitors, including a $100 lifetime deductible.
Denali Dental & Vision
Denali Dental & Vision offers two dental insurance plans to cover individuals of all ages. The Denali Ridge and Summit plans cover 100% of preventive services, up to your annual maximum, including two exams and four cleanings per year — almost unheard of in the dental insurance industry. A network of over 300,000 dentists nationwide covers services provided by any dentist you prefer.
Florida Combined Life Insurance Company
Premiums range from $11.99 to $52.77 per month. Choose from three levels of coverage for children and adults. Get detailed plan information and pricing on the company website. The Choice Plan offers 5,400 in-network providers in Florida.
United Dental Solutions
Month-to-month payments with no contracts. Save from 15% to 50% on basic and specialized procedures. Plans start at $9.95 per month for individuals and $19.95 for a family. Discounts include orthodontics.
MCNA Dental
Provides Florida Medicaid and CHIP dental plans. Call a choice counselor to select a plan and enroll. Coverage includes cleanings, x-rays, fillings, root canals, exams, sealants, fluoride, extractions and dental emergencies.
Best Health & Dental Insurance Plans
Plans feature no deductible. Choose from two different plan providers, with multiple levels of coverage. Choice and Economy plans come with no waiting period and 100% coverage for basic services.
Dental Insurance Costs in Florida
Dental insurance customers pay for plans with a monthly or annual premium. Some companies charge a one-time enrollment fee to sign up. On top of that, customers can expect to pay a deductible, which is the out of pocket amount you contribute before benefits kick in. Most dental plans also have coinsurance or copays that represent a portion of the total cost of treatment. For example, a dental insurance company might cover 50% of the cost of a filling, while the customer pays the other 50%.
The cost of dental insurance in Florida depends on the type of plan, what services are covered, and how many family members are covered. Zip code and age will also affect the premium.
Types of dental insurance:
- PPO (preferred provider organization)—gives members access to a network of dentists who contract with the insurance company to provide services at reduced fees. These plans typically have the highest premiums, but they also provide the most coverage.
- DHMO (dental health maintenance organization)—pay a fixed monthly amount for access to a smaller network of dentists. Premiums tend to be lower, with a focus on preventive care such as cleanings, exams, X-rays and sealants.
- Fee-for-service—offers the largest network of dentists for consumer choice, but at a higher premium.
- Dental discount/dental savings plan—this is not insurance. Customers pay an annual amount and get discounts on dental services with participating providers. These plans cost less than insurance, but you’ll most likely pay more out of pocket.
A dental HMO plan starts at $11.99 per month in Florida. A dental discount plan starts at $9.99 per month or $99 per year for an individual and $19.95 per month or $175 a year for a family.
Dental Insurance in Florida
Florida has more than 12,000 licensed dentists practicing in the state. The most populous county in the state, Miami-Dade, has 64.8 dentists per 100,000 residents. But some of the less populous counties, such as Lafayette and Liberty, have a much lower ratio of dentists to residents which has resulted in a shortage of dentists in some areas.
The vast majority of residents in Florida receive fluoridated water. This provides a good foundation for dental health in Florida. Dental insurance is another affordable way to maintain healthy teeth and gums. A recent study showed that 25% of third grade children in Florida had untreated tooth decay. 19.2% of adults over 60 did not have any teeth, and 47% of adults statewide have had at least one permanent tooth removed due to decay. Many schools in Florida offer school-based sealant programs; these programs served over 100,000 kids in 2017-2018. As of 2018, 53% of Floridians reported having dental insurance and 66% of Floridian adults had visited a dentist in the past year.
Florida Combined Life Insurance Company
Florida Combined Life Insurance Company offers Blue Cross and Blue Shield dental plans for kids and adults. The basic care plan has no deductible, no annual maximum, and no waiting period. The mid-level and premium plans cover specialist care, offer discounts on orthodontics and cosmetic procedures, and provide out-of-network coverage. Members who choose the mid-level or premium plans are also enrolled in the Oral Health for Overall Health program. This program provides enhanced dental benefits at no additional cost for people with certain medical conditions.

Address | 400, 4800 Deerwood Campus Pkwy #600, Jacksonville, FL 32246 |
Phone Number | 1888-753-4363 |
United Dental Solutions
United Dental Solutions offers discount dental plans for individuals, families and seniors that save you 15% to 50% on dental procedures. Customers can choose from four levels of coverage, starting at $9.95 per month or $99 per year, and can save on cleanings, check-ups, x-rays, crowns, root canals, bridges, cavity fillings, dentures and orthodontics. There is no annual maximum, no waiting period, and no referral required to see a specialist. Reviewers give this company high ratings for excellent service and say it was worth the price.

Address | 424 East Central Blvd, #343 Orlando, FL 32801 |
Phone Number | 1888-205-2327 |
MCNA Dental
MCNA Dental is the largest dental insurer in the nation for Medicaid and CHIP programs. Florida Medicaid dental coverage includes cleanings, x-rays, fillings, root canals, exams, sealants and fluoride, extractions and emergencies. A choice counselor can help you choose a plan and enroll. Customers who gave this company good reviews said they received excellent service over the phone (though they had to wait on hold), that representatives helped them find a dentist, and that customer service options included Spanish.

Address | 00 W Cypress Creek Rd, Fort Lauderdale, FL 33309 |
Phone Number | 1800-494-6262 |
Best Health & Dental Insurance Plans
Best Health and Dental Insurance Plans specializes in affordable health care and dental plans for individuals, families, and seniors. Customers can choose from two dental plans, no network or PPO. Neither plan has a deductible. Coverage is available for major services up to 90% (after three years on the plan), and up to $5,000 annual maximum per person. Reviewers mention customer service, assistance making an appointment, and a simple and straightforward process.

Address | Services Florida |
Phone Number | (727) 313-4468 |