Top Dental Insurance in Florida • Benzinga (2024)

FAQs

Top Dental Insurance in Florida • Benzinga? ›

Like health insurance, there are many different types of dental plans, and the average dentist participates in about six of those plans, according to the National Association of Dental Plans (NADP). The most popular type of dental plan in Florida is preferred provider organization (PPO) plan.

Like health insurance, there are many different types of dental plans, and the average dentist participates in about six of those plans, according to the National Association of Dental Plans (NADP). The most popular type of dental plan in Florida is preferred provider organization (PPO) plan.

Average Dental Premiums & Out-of-Pocket Costs

An analysis of 38 Florida dental plans for 2023 found the average monthly premium for a 33 year-old enrollee was $42.26. This average was a little more than 2 percent higher than the average DentalInsurance.com observed for 2022 (though the 2022 study had 3 fewer plans).

Delta Dental has the distinction of being the single largest dental insurance provider in the United States with over 80 million people enrolled across the plans offered by Delta Dental entities.

Dental Preferred Provider Organization (PPO) Plans

Dental PPOs are the most common dental policy. The NADP reports that 82 percent of dental policies are dental PPOs.

Is Cigna good insurance? Cigna is a good insurance company, but it isn't usually the best option for most people. Even in the states where its rates are cheaper than the state average, Cigna usually isn't the cheapest health insurance. And its customer satisfaction is typically lower than average.

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

You also often have to pay coinsurance, a percentage of the cost of treatment even after you have met your deductible. When you factor in deductibles, copayments and premiums, dental treatment can be expensive even if you have insurance, and it's not always clear if coverage is worth it.

80% covered: Basic restorative care like tooth-colored fillings, extractions, and root canal therapy. 50% covered: More complex restorations, like dental crowns and bridges.

Is cobra dental insurance worth it? ›

COBRA insurance could be a good short-term solution for individuals and their dependents when undergoing a change in employment status such as a job loss. Check with your employer and insurance provider to better understand your options, responsibilities, and next steps required to elect COBRA insurance.

BlueDental Copayment, Choice and Choice Plus are PPO plans. BlueDental Care is a prepaid plan that works like an DHMO.

At some offices, the cost of a dental cleaning can be up to $200. The cost of fillings without insurance has a much larger range, from $200 to $400. Root canals vary depending on which tooth needs work but can cost anywhere from $700 to $2,100. Without insurance, the average cost of a crown is around $1,093.

On average, people spend between $20 and $50 per month on dental insurance premiums, with annual estimates ranging from $240 to $600. However, dental insurance costs also include co-insurance, copayments for specific treatments, annual maximums (the coverage limit per year) and deductibles.

Most plans follow the 100-80-50 coverage structure. That means they cover preventive care at 100%, basic procedures at 80%, and major procedures at 50%, or a larger co-payment. But a dental plan may choose not to cover some procedures, such as sealants, at all.

HMOs are known for their provider networks and lower costs. They are also restrictive and don't cover out-of-network care unless it's an emergency. PPOs offer more flexibility and allow out-of-network care, but that type of care typically comes with a higher cost.

The benefits of dental coverage through Florida Blue

You have the option of choosing from a large network of high-quality dentists in Florida with access to a national network when you are traveling out of state. Our plans offer good value.

Standard PPO Dental Plan

You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay part of the cost for the services you receive. Orthodontia: Covered for adults and children.

On average, people spend between $20 and $50 per month on dental insurance premiums, with annual estimates ranging from $240 to $600. However, dental insurance costs also include co-insurance, copayments for specific treatments, annual maximums (the coverage limit per year) and deductibles.