Dental Insurance Plans in Florida

The most common dental insurance providers in Florida include Delta Dental, Guardian Dental, Humana Dental, and Cigna Dental. These companies offer a range of dental insurance plans with various coverage options, such as HMO or PPO dental insurance plans as well as dental savings plans, to suit individual and family needs. Discover the best dental insurance options for you.

The average cost of dental insurance in Florida can vary depending on factors such as the type of plan, coverage levels, deductibles, and the number of individuals covered. On average, individual dental insurance plans in Florida may range from $23 to $57 per month, while family plans could range from $42 to $165 per month. However, actual costs may differ based on specific plan details and dental coverage providers. Be sure to use our guided online plan finder, which makes it easy to discover an affordable Florida dental plan that fits your needs.

Some popular dental insurance options for seniors in Florida include plans offered by Delta Dental, Humana Dental, and the AARP Dental Insurance Program. These plans offer comprehensive dental coverage for common dental procedures, including preventive care such as teeth cleanings, basic services, and major treatments, tailored to the needs of seniors. Additionally, dental savings plans (DSPs) are becoming increasingly popular among seniors for their affordability and flexibility, providing significant discounts on a wide range of dental services without the restrictions of traditional insurance.

Dental insurance plans in Florida may have waiting periods for certain types of services, such as major procedures like crowns, bridges, or orthodontic treatment. Waiting periods can vary between plans. During the waiting period, coverage for specific services may be limited or not available. Individuals need to review the details of the dental insurance plan and the insurance company they’re considering to understand if any waiting periods apply and for which services. Dental savings plans are also available in Florida, which activate immediately.

Yes, Florida offers dental insurance plans specifically designed for children through the Florida KidCare program. This state-sponsored initiative provides affordable, comprehensive health and dental coverage for children from birth through age 18.  

Eligibility is based on household size and income, with options for free, low-cost, or full-pay coverage.

You may be able to use Florida dental insurance for out-of-state dental care, but it depends on your specific plan and its network agreements. Preferred Provider Organization (PPO) Plans may have nationwide networks and typically allow you to receive care from dentists outside the network, though at a higher out-of-pocket cost. Health Maintenance Organization (HMO) Plans usually require you to use in-network providers and may not cover out-of-state care, except in emergencies. It’s essential to understand what qualifies as an emergency under your policy, check your plan documents or contact your insurer to understand out-of-state coverage specifics. 

In Florida, as in other states, teeth whitening is considered a cosmetic procedure and is often excluded from standard dental insurance policies. However, some insurers do offer plans that include partial coverage or allowances for whitening treatments. Individuals seeking coverage for teeth whitening should carefully review the terms of any prospective dental insurance plan to ensure it meets their needs. You may also consider joining a dental savings plan, an insurance alternative that reduces the cost of virtually all dental treatments and typically includes discounts on cosmetic procedures such as teeth whitening, veneers and even dental implants – which are also considered to be a cosmetic procedure by dental insurance providers.  

The easiest ways are to check your insurance provider’s web site or on the provider’s app, or reach out to local dentists to see what insurance plan networks they participate in. Always confirm a dentist’s in-network status before scheduling an appointment, as provider networks can change. 

Yes. The two most common types of Dental Insurance available in Florida are Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization (PPO) plans. DHMO typically offers lower premiums and no annual maximum spending limit, but you can only see in-network dentists. You can also join a dental savings plan, an alternative to dental insurance with no waiting periods or annual spending limits, which are accepted by about 70% of dentists in the U.S.