Best Dental Insurance Florida

Dental Insurance Florida

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.

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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.

Florida Combined Life Insurance Company
Address	400, 4800 Deerwood Campus Pkwy #600, Jacksonville, FL 32246
Phone Number	1888-753-4363

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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.

United Dental Solutions
Address	424 East Central Blvd, #343 Orlando, FL 32801
Phone Number	1888-205-2327

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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.

MCNA Dental
Address	00 W Cypress Creek Rd, Fort Lauderdale, FL 33309
Phone Number	1800-494-6262

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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.

Best Health & Dental Insurance Plans
Address	Services Florida
Phone Number	(727) 313-4468