Dental health is a vital aspect of overall well-being, and having the right dental insurance in Florida can make all the difference. However, selecting the right plan involves careful consideration of several factors, including coverage details, costs, network breadth, waiting periods, and customer service quality.

Today, we review the top companies offering affordable dental insurance in Florida, evaluating their plans based on features, coverage limits, and customer reviews. 

Keep reading to discover why Spirit Dental stands out as our top choice and explore other viable alternatives that might better suit your specific dental care needs.

Best Dental Insurance in Florida 2024

1. Spirit – Overall best dental insurance in Florida
2. DentalPlans – Best for wide selection of dental plans
3. 1Dental.com – Largest dentist network
4. Guardian Direct – Best for preventative care

In the following sections, we review the four best dental insurance companies in Florida. We will cover their unique features, available plans, coverage limits, and overall ratings. This will ensure you make an informed decision for your dental health and budget.

1. Spirit – Overall Best Dental Insurance in Florida

Pros

• No waiting periods
• High annual maximums
• 100% preventive coverage
• Nationwide dentist network
• Immediate coverage on many services

Cons

• Not available in Rhode Island
• Excludes cosmetic procedures

Overview

Spirit Dental, underwritten by Ameritas Life Insurance Corp., stands out with its commitment to providing affordable, comprehensive dental plans without waiting periods. 

With an expansive network of dentists nationwide and a focus on preventive care, Spirit Dental ensures convenient access to dental services. Their high annual maximums and immediate coverage for various dental procedures position them as a leader in dental insurance.

Why We Chose Spirit

We selected Spirit Dental for its immediate coverage across a broad range of dental services, including preventive, basic, major, and orthodontic care. Their PPO dental plans, part of the Ameritas network, offer significant savings of 25-50%. 

The availability of plans with annual maximum benefits up to $5,000 makes it an attractive option for those needing extensive dental work, providing peace of mind and financial relief.

Available Plans

Spirit Dental offers diverse plans to cater to different needs, including individual, family, student, and senior plans. Their PPO and Flex plans allow customers to choose between in-network and out-of-network dentists. The Flex plans offer high “usual and customary” rate payments for non-network dentists, providing flexibility and choice.

Coverage Limit

Spirit Dental covers preventive, basic, and major dental services. However, it excludes cosmetic procedures and non-medically necessary treatments like adult orthodontics. Notably, there are frequency limits, such as one set of X-rays per year and specific caps on crowns and implants, which could affect those needing frequent dental care.

Ratings

Spirit Dental is highly rated for its comprehensive coverage, no waiting period policy, and substantial annual maximums. Customers appreciate the extensive dentist network and the flexibility in choosing dentists. However, the limitations on cosmetic and frequent procedures could be a drawback for some.

Summary

Spirit Dental is a top choice for dental insurance in Florida, offering a unique blend of immediate, extensive coverage, and a wide range of plans. Its focus on preventive care and high coverage limits make it an excellent option for those seeking comprehensive dental insurance in Florida. 

However, the exclusions and frequency limitations are important considerations for potential customers.

>>Get the best dental insurance in Florida with Spirit Dental

 

2. DentalPlans – Best for Wide Selection of Dental Plans

Pros

• Wide dental plans marketplace
• Extensive dentist network
• Quick plan activation
• No coverage limits
• Excellent customer service

Cons

• Not a traditional dental insurance

Overview

Founded in 1999, DentalPlans has emerged as a leading online marketplace for dental savings plans in the United States. With over 1 million members, it offers a practical alternative to traditional dental insurance, boasting discounts of 10% to 60% on most dental procedures. 

DentalPlans partners with more than 30 reliable providers, ensuring a broad selection of plans and a network of over 140,000 dentists. Their goal is to make dental care more affordable and accessible.

Why We Chose DentalPlans

DentalPlans was selected for its unparalleled variety and flexibility in dental savings plans, catering to diverse needs and budgets. It stands out for its extensive selection of plans, allowing customers to compare and find the most suitable plan. 

The company’s commitment to customer service, a robust money-back guarantee, and a loyalty program further enhance its appeal, making it a top choice for dental savings in Florida.

Available Plans

DentalPlans offers two primary types of plans:

1. Dental Insurance Plans: These involve a monthly premium and possibly a deductible. They generally cover 100% of preventive care and a portion of other dental work up to an annual maximum.
2. Dental Savings Plans: An easy-to-use alternative to insurance, these plans provide access to discounts on almost all dental procedures after a small annual membership fee. Members typically save an average of 50%.

Coverage Limit

The dental savings plans offered by DentalPlans have no coverage limit, distinguishing them from traditional dental insurance in Florida. Each plan may vary in terms of fees, discounts, and terms for different dental services, providing flexibility and tailored options for individuals.

Ratings

DentalPlan has an average rating of 4.4 stars on Trustpilot from 11,061 reviews. Most reviewers praised its comprehensive selection of plans and the flexibility it offers. Customers appreciate the significant savings on dental procedures and the ease of use. However, some users have complained about the automatic renewal feature on their plans.

Summary

DentalPlans stands out in the Florida market for its extensive selection of dental savings plans, offering substantial discounts and a large network of dentists. It’s an attractive alternative to traditional dental insurance, especially for those seeking flexibility and varied options. 

>>Get the best dental insurance in Florida with DentalPlans

 

3. 1Dental.com – Largest Dentist Network

Pros

• Access to nationwide network of dentists 
• No waiting periods
• Savings on pre-existing conditions
• Free vision discounts
• 30-day risk-free trial

Cons

• Not accepted by all dentists

Overview

1Dental.com, founded in 1998 in Fort Worth, Texas, specializes in offering Dental Discount Plans, not typical dental insurance. Members enjoy exclusive savings on dental care by paying lower prices at the dentist. The plans cover a wide range of dental procedures, including pre-existing conditions, and come with additional vision discount benefits. 

Plus, the no-wait, no-deductible, and no-maximum features make it a unique offering in dental care savings.

Why We Chose 1Dental.com

1Dental.com stands out for its extensive dentist network and low-cost, flexible plans. Its transparency, with no hidden fees or limitations, and excellent customer service through multiple channels, make it a top choice. The company’s straightforward and economical approach to dental savings is particularly appealing for those seeking to reduce dental care expenses.

Available Plans

• Dental Access: Under the Aetna Dental Access network, offering 15-50% savings per visit, including orthodontics and cosmetics. Over 226,000 dental locations available.
• Care 500 Plan: Uses the Careington Care 500 network, providing immediate savings, including on braces and cosmetic work.
• Bundle & Save: Combines both Dental Access and Care 500 plans for maximum savings and dentist options.

Coverage Limit

As 1Dental.com is a discount plan rather than full insurance, it does not impose coverage limits. Customers benefit from reduced fees for dental services based on negotiated rates. This plan structure allows for substantial savings on various dental procedures without the typical constraints of traditional dental insurance in Florida.

Ratings

1Dental.com has been accredited by the BBB since 2008 with an A+ rating. Customers appreciate its expansive dentist network, the simplicity of its plans, and immediate savings, especially on costly procedures. 

Plus, the lack of traditional insurance limitations, such as deductibles and maximums, along with the added vision benefits, contributes positively to its overall customer satisfaction.

Summary

1Dental.com offers an innovative and cost-effective solution for dental care through its Dental Discount Plans. It provides access to a vast network of dentists, no waiting periods, and significant savings even on pre-existing conditions.

>>Get the best dental insurance in Florida with 1Dental.com

 

4. Guardian Direct – Best for Preventative Care

Pros

• Nationwide network of 130,000+ providers
• 100% preventive care coverage
• No waiting period for preventive services
• Learning Center for customer education

Cons

• Not available in all states

Overview

Guardian Direct Dental Insurance is a branch of The Guardian Life Insurance Company of America, a prominent mutual life insurer in the U.S. They specialize in offering affordable dental plans catering to individuals, families, and businesses. 

Their coverage encompasses preventive, basic, and major dental services. Guardian Direct is recognized for its extensive network of dentists and a focus on preventive dental care.

Why We Chose Guardian Direct

Guardian Direct stands out due to its vast network of over 130,000 dental providers nationwide, ensuring easy access to dentists for most customers. A key feature is the full coverage of preventive services without any waiting period, encouraging regular dental visits. This focus on preventative care is vital for maintaining overall health. 

Additionally, their Learning Center provides valuable insights about dental insurance in Florida, enhancing customer understanding and experience.

Available Plans

• Starter: Preventive care focused; covers exams, cleanings, x-rays, basic procedures.
• Core: Comprehensive, includes Starter benefits plus major procedures like root canals, dentures; orthodontics for children under 19.
• Achiever: Premium plan, extends Core benefits with adult orthodontics.
• Diamond: Most exclusive, covers everything in Achiever plus cosmetic dentistry.

Coverage Limit

Guardian Direct’s coverage limits vary based on the plan. The Core plan, for instance, covers major dental work like crowns and implants but has an annual cap. Once this cap is reached, additional costs are out-of-pocket. For implants and dentures, coverage is up to 50% after a 12-month wait, which might be shorter depending on the state.

Ratings

Guardian Direct’s dental plans are usually praised for their extensive provider network and comprehensive coverage options. The plans are particularly lauded for their focus on preventative care, which is essential for long-term dental health. 

Customer education through their Learning Center is also a notable aspect that enhances their overall rating.

Summary

Guardian Direct offers a range of dental insurance plans in Florida, well-regarded for their expansive dentist network and strong emphasis on preventive care. Their plan options cater to varying needs, from basic to comprehensive, including cosmetic dentistry. 

Plus, the brand’s commitment to customer education and preventive care makes it a top choice for dental insurance in Florida.

>>Get the best dental insurance in Florida with Guardian Direct

 

What Is Dental Insurance?

Dental insurance is a type of health insurance specifically designed to cover a portion of the costs associated with dental care. Similar to medical insurance, it typically involves the policyholder paying a monthly or annual premium in exchange for coverage of dental services. 

These services can range from preventive care, like cleanings and routine check-ups, to more extensive procedures such as fillings, root canals, and sometimes orthodontics or oral surgery. 

Dental plans often come with deductibles, copayments, and maximum coverage limits, and they may have networks of approved providers to choose from.

>>Get the best dental insurance in Florida with Spirit Dental

Why Do You Need Dental Insurance in 2024?

Dental insurance is an important aspect of healthcare that specifically focuses on oral health. Here’s why it’s beneficial:

• Preventive Care: Dental insurance typically covers preventive services like cleanings, check-ups, and X-rays, which are crucial for maintaining oral health. Regular preventive care can detect issues early, potentially avoiding more complex and expensive treatments later.
• Cost Savings on Expensive Treatments: Dental treatments can be expensive, especially for procedures like root canals, crowns, or bridges. Dental insurance can significantly reduce these costs, making necessary treatments more affordable.
• Encourages Regular Dental Visits: Having dental insurance encourages people to make regular visits to the dentist. Regular dental care is key to preventing oral health issues and maintaining overall health.
• Contributes to Overall Health: Poor oral health can contribute to other health issues, including heart disease, diabetes, and pregnancy complications. Regular dental care, facilitated by insurance, plays a part in your overall well-being.
• Peace of Mind: Dental insurance provides financial security and peace of mind, knowing that you’re covered in case of unexpected dental issues.

In summary, dental insurance is a proactive measure for maintaining oral health, managing dental care costs, and contributing to overall health and well-being.

How Much Is Dental Insurance in Florida?

The cost of dental insurance in Florida varies depending on several factors including the type of plan, age of the enrollee, coverage needs, tobacco usage, and location. For instance, premiums may range from $18 to $98 per month​​ for adults purchasing their own or family stand-alone dental coverage through the exchange.

>>Get the best dental insurance in Florida with Spirit Dental

Dental Plans in Florida: HMO vs. PPO Plans

In Florida, individuals seeking dental insurance have two primary options: Dental Health Maintenance Organization (HMO or DHMO) plans and Preferred Provider Organization (PPO) plans. Each type of plan has distinct features, benefits, and limitations.

HMO or a DHMO (Dental Health Maintenance Organization)

Costs and Coverage: 

DHMO plans are designed to keep costs lower. They typically have lower premiums compared to PPO plans, with no deductibles and set copayments for covered services. Out-of-pocket dental costs are usually predetermined, and there is generally no annual maximum for covered benefits​​.

Network and Specialists: 

These plans have a smaller network of dentists, and you are usually required to choose a primary care dentist from a pre-approved list. To visit a specialist, a referral from your primary care dentist is often needed, and out-of-network costs are not covered​​​​.

Preventive Care and Restorative Services: 

DHMO plans focus on preventive care and encourage regular dentist visits. They cover preventive dental care (like cleanings, oral exams, and certain types of X-rays) often at 100%. 

For basic restorative services (like fillings, root canals, and extractions) and major restorative care (like crowns, bridges, dentures), the plans typically have a flat fee to pay​​.

>>Get the best dental insurance in Florida with Spirit Dental

PPO (Preferred Provider Organization) Plan

Costs and Coverage: 

PPO plans generally have higher out-of-pocket costs and include a deductible. They offer greater flexibility in choosing any dentist and usually don’t require a referral to visit a specialist. However, these plans often have an annual coverage limit and may require coinsurance after meeting the deductible​​​​.

Network and Specialists: 

PPO plans provide a larger network of dentists, and you don’t need to designate a primary care provider or need referrals for specialists. You may receive partial reimbursement for covered services from out-of-network dentists, but in-network choices usually keep costs lower​​​​.

Preventive Care and Restorative Services: 

Like DHMO plans, PPO plans typically cover preventive dental care at 100%. For basic and major restorative services, the plan shares a percentage of covered costs with you after you meet your annual deductible, up to any annual maximum​​.

Additional Considerations: 

PPO plans may have a waiting period for non-preventive dental services, which is more common with PPO plans than DHMO plans. Many plans will waive the waiting period if you can prove you were enrolled in a dental plan just prior to your new plan​​.

Small Businesses: What Type of Florida Dental Coverage Should I Offer?

For small businesses in Florida considering offering dental coverage to their employees, there are several options available:

Self-Funded Plans:

With this type of plan, your business would only pay administrative costs to the insurance provider. The rest, including benefits design and claims costs, is managed by your business. Self-funded plans offer more flexibility and potential cost savings​​.

Dental PPO and DHMO Plans: 

Some providers offer plans that cover routine preventive care and offer discounts for other services. These plans allow employees and their family members to see any dentist and usually pay a percentage of the costs for services like emergency care, fillings, and simple extractions​​.

SHOP Health Plans: 

Some SHOP (Small Business Health Options Program) health plans offer dental coverage. These are separate dental plans that employees can purchase alongside a SHOP Marketplace health plan. It’s important to review the specific plans and prices available in the SHOP marketplace for the current year​​.

Group Dental Plans with No Waiting Periods: 

These plans can be particularly beneficial for non-profit organizations or businesses with limited funds, as they provide valuable benefits to employees without a waiting period for coverage to begin​​.

>>Get the best dental insurance in Florida with Spirit Dental

Individual and Family Dental Plans: What Coverage Is Right for Me?

Choosing the right dental plan – whether individual or family – depends on several factors. Here’s how to determine which coverage might be best for you:

Individual Dental Plans

• Ideal for Single Adults: If you’re single with no dependents, an individual dental plan is typically more cost-effective.
• Consider Your Dental Health Needs: If your dental care mostly involves routine check-ups and cleanings, a basic plan might suffice. However, if you anticipate needing more extensive dental work, look for a plan with broader coverage.
• Budget: Assess how much you can comfortably spend on premiums and out-of-pocket costs. A plan with a lower premium might have higher out-of-pocket costs for services.

Family Dental Plans

• Designed for Multiple People: Family plans are designed to cover an adult and their dependents – often a spouse and children. They’re cost-effective if you have a family, as they cover multiple people under one plan.
• Coverage for Children: Children typically require more frequent dental visits for cleanings, fluoride treatments, and orthodontics. Family plans usually cover pediatric dental care, which is essential for growing children.
• Overall Cost vs. Benefits: Although family plans have higher premiums than individual plans, they can be more economical in the long run if multiple family members need dental care.

General Considerations for Both Types of Plans

• Network of Dentists: Check if the plan’s network includes your preferred dentists or offers a good selection near you.
• Coverage Details: Understand what procedures are covered (preventive, basic, major) and at what percentage.
• Limitations and Waiting Periods: Be aware of any annual maximums, deductibles, or waiting periods for certain treatments.
• Discount Plans vs. Insurance Plans: Consider whether a dental discount plan (which provides discounts on services at certain dentists) might be more suitable for your needs than traditional insurance.

Ultimately, the right dental plan for you should align with your specific dental care needs, the needs of your family if applicable, and your financial situation. It’s important to carefully compare the benefits, costs, and limitations of available plans to make the most informed decision.

>>Get the best dental insurance in Florida with Spirit Dental

Factors to Consider When Choosing Dental Insurance in Florida

When choosing dental insurance in Florida, several factors need to be taken into account to ensure you select a plan that best suits your needs. Here’s a breakdown:

Coverage Options

Look at what types of dental services are covered under the plan, such as preventive care, basic procedures (fillings, extractions), and major procedures (root canals, crowns). Some plans also cover orthodontics.

Cost and Premiums

Assess the monthly or annual premium costs and weigh them against the benefits provided. Understand any deductibles (the amount you pay before insurance kicks in) and co-pays (fixed amounts for services).

In-Network Dentists

Check if your current dentist is in-network or find a plan with a wide network of dentists in Florida. If you prefer a dentist outside the network, understand the costs involved as out-of-network services may be more expensive.

Routine Check-ups and Cleanings

Most plans cover routine check-ups, cleanings, and X-rays. Confirm how often these services are covered (e.g., twice a year). Preventive care is key to maintaining dental health and can prevent more costly treatments later.

Waiting Periods

Some plans have waiting periods before certain services are covered. If you need immediate treatment, look for a plan with no or minimal waiting periods.

>>Get the best dental insurance in Florida with Spirit Dental

Pre-Existing Conditions

Find out if the plan has limitations or exclusions for pre-existing conditions, especially if you have ongoing dental issues.

Personal Health and Dental Needs

Consider your personal and family dental health needs. For example, if you have children, look for a plan that covers orthodontic treatment. If you require frequent dental visits, look for a plan with higher coverage levels and lower out-of-pocket costs for routine care.

Methodology

Choosing the best dental insurance in Florida involves a thorough evaluation of several key factors to ensure that residents get the most suitable coverage for their needs. Here’s how we determined the best options:

Comprehensive Coverage Assessment

• Range of Services: We looked at plans that provide a broad spectrum of dental services, from preventive care like cleanings and exams to major procedures like root canals and dentures.
• Preventive Care Priority: Special emphasis was placed on plans that offer excellent coverage for preventive care, as this is crucial for maintaining overall dental health.

Cost Analysis

• Premiums vs. Benefits: We compared the cost of premiums against the benefits provided. The goal was to identify plans that offer a good balance of affordable premiums with substantial coverage.
• Deductibles and Co-pays: Plans were evaluated based on their out-of-pocket costs, including deductibles (the amount paid before insurance kicks in) and co-pays (the fixed amount paid for services).

Network Size and Quality

• In-Network Dentists: We considered the size and quality of each plan’s network of dentists. A larger network means more choices for consumers and a higher likelihood of finding a preferred or nearby dentist.
• Network Accessibility: The ease of accessing in-network dentists in various parts of Florida was also a key consideration.

Customer Service and Satisfaction

• Consumer Reviews: We looked at customer feedback and reviews to gauge satisfaction with different aspects of the insurance, including ease of claims processing and customer service quality.
• Company Reputation: The reputation and financial stability of the insurance providers were assessed to ensure reliability and quality service.

>>Get the best dental insurance in Florida with Spirit Dental

Policy Terms and Conditions

• Waiting Periods and Limitations: Plans were analyzed for any waiting periods or limitations on services, especially for major dental work.
• Coverage for Pre-existing Conditions: We checked if plans cover pre-existing conditions, which is an important consideration for many individuals.

Additional Benefits

• Special Features: Plans that offer additional benefits, such as no waiting periods, discounts on orthodontic work, or bonuses for continuous coverage, were also considered.

FAQs

Want to clear up any confusion about getting dental insurance in Florida? Take a look at our concise responses to common queries below.

Which Dental Insurance Has the Best Coverage?

Our top pick for comprehensive dental coverage is Spirit Dental, but the best option ultimately depends on your specific needs, including the types of services you require and your budget.

What Is the Average Cost of Dental Insurance in Florida?

The average cost of dental insurance in Florida varies but premiums can range from $18 to $98 per month, depending on the plan’s coverage and provider.

How to Get Dental Insurance in Florida?

You can get dental insurance in Florida by researching and comparing plans from different providers online, contacting insurance companies directly, or consulting with an insurance agent. Plus, you can check if your employer offers dental insurance as part of their benefits package.

Does My Florida Blue Cover Dental?

Yes, Florida Blue offers dental plans. However, dental coverage details may vary, so it’s important to review their specific dental plan options.

How Much Does Dental Insurance Cost in Florida?

The cost can range from around $20 to $50 per month, or $240 to $600 per year, depending on various factors such as location and plan type.

Is the Aca Satisfied by Stand-Alone Dental Plans for Children on the Exchange?

Stand-alone pediatric dental plans available in the exchange comply with the ACA. The ACA requires that exchanges offer pediatric dental insurance, either as part of medical plans or as separate stand-alone plans.

Medical insurers do not have to embed pediatric dental coverage in areas where the marketplace offers stand-alone dental plans.

Which Insurers Offer Dental Coverage Through the Florida Marketplace?

Some of the best dental insurance companies in Florida are Spirit Dental, DentalPlans, 1Dental.com, and Guardian Direct.

Can I Buy Dental Insurance Outside of Florida’s Exchange?

Yes, through insurance companies, agents, brokers, and online sellers. However, plans purchased outside Florida’s Health Insurance Exchange do not qualify for premium tax credits or other income-based savings.

How Does Florida Medicaid and Chip Provide Dental Coverage?

MCNA Dental administers dental benefits for Florida Medicaid and CHIP programs. It offers comprehensive dental care, including preventive services, for children and adults enrolled in the Florida Medicaid Dental Health Program. 

There are typically no co-payments for families with children or adults receiving Medicaid services. However, there’s a possible $3 copayment per day for nonemergency dental visits in a federally qualified health center.

What Dental Resources Are Available in Florida?

Florida offers various dental resources, including public health dental programs, community health centers, and university dental clinics. These resources provide access to affordable dental care, especially for low-income individuals and families.

Conclusion: Best Dental Insurance in Florida

Our review of four affordable dental insurance companies revealed different options with their own strengths. Spirit Dental was our top choice for its balance of coverage, costs, and customer feedback.

The other three companies also had good alternatives for different dental care needs. Whether you need comprehensive coverage, budget-friendliness, or great customer service, these providers have plans for you.

Assess your dental needs, compare these options, and pick a plan that suits your budget and smile.

>>Get the best dental insurance in Florida with Spirit Dental