18+ Best Dental Insurance in Florida

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The average American adult spends about $1,800 per year on dental care and 1 in 5 Americans has no dental insurance. We understand how stressful it can be to find amazing dental insurance in Florida, and that led us to go on detailed research to provide you with this great guide that will help you solve this problem.

In this article, we will show you over 18 best dental insurance plans in Florida, and we are sure you will get value. Before we get to that, let’s discuss the cost of dental insurance in Florida.

The Cost of Dental Insurance in Florida

Dental insurance can help you save money on dental care, but you need to understand the costs involved before you buy a plan. The cost of dental plans can vary depending on the plan you choose, your age, and your coverage needs.

Let’s discuss each of them:

  • The Type of Plan

There are two main types of dental insurance plans: PPOs and HMOs. PPOs give you more freedom to choose your dentist, while HMOs require you to go to dentists in the plan’s network. PPOs tend to be more expensive than HMOs.

  • Your Age: 

Older adults typically pay more for dental insurance than younger persons, because of their higher dental needs.

  • Your Coverage Needs

The more coverage you need, the more you’ll pay for your plan. As we all know, plans that cover major dental procedures, such as crowns and bridges, are more expensive than plans that only cover preventive care.

So we advise that when you’re considering dental insurance, it’s important that you compare different plans to find one that fits your needs and budget.

See this: 13+ Best Dental Insurance in New Jersey

Factors To Consider When Evaluating Dental Insurance Plans in Florida

When evaluating dental insurance plans, there are essential factors to consider to ensure you choose the right plan that meets your needs.

Let’s evaluate some of them:

  • Coverage Options
  • Network Providers
  • Waiting Periods
  • Deductibles and Copayments

1. Coverage Options:

You have to carefully examine what procedures are covered under different plans. You can look for coverage that includes preventive care, such as regular check-ups, cleanings, and X-rays, as well as coverage for common dental procedures like fillings, root canals, and crowns.

2. Network Providers:

Check if your preferred dentist is in-network with the dental insurance plan you are considering. In-network dentists have agreed-upon rates with the insurance company, which can significantly help reduce your out-of-pocket expenses.

3. Waiting Periods:

Some dental insurance plans may have waiting periods before certain procedures are covered. If you anticipate needing specific treatments soon, be aware of the waiting periods associated with different plans.

4. Deductibles and Copayments:

Deductibles are the amount you must pay out-of-pocket before the insurance coverage kicks in, while copayments are the fixed amount you pay for each dental visit or procedure.

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18+ Best Dental Insurance in Florida

The following are the Best Dental Insurance in Florida:

  • Florida Blue Dental
  • My Benefit Florida
  • Health Insurance Organization
  • United Healthcare
  • Delta Dental
  • Humana
  • Metlife
  • eHealthInsurance
  • Cigna
  • Guardian
  • Coast Dental
  • Dental Associates of Florida
  • MCNA Dental
  • University of South Florida
  • Solstice Benefits
  • Florida State University
  • University of Florida
  • Florida Medicaid Managed Care

#1. Florida Blue Dental

Coverage Features: Dental and Vision plans, No waiting period…

Florida Blue Dental offers you one of the best dental insurance plans in Florida which has no waiting period, dental and vision plans, no annual maximum, and no deductible.

They have over 1,500+ in-network offices in Florida with a monthly cost of 11.99(aside from the $35 you pay during enrollment).

You can check them out.

#2. My Benefit Florida

Coverage Features: PPO plans

The State of Florida offers you comprehensive dental insurance coverage through an array of dental plans which include:

  • PPO
  • Indemnity
  • Indemnity with PPO and
  • Prepaid.

These dental plans were also designed to meet the needs of employees based on their individual plan usage, flexibility in using network or non-network dentists, and cost.

 There’s so much to explore in this dental plan. Feel free to learn more.

#3. Health Insurance Organization

This Organization through the federally facilitated health insurance marketplace HealthCare.gov, offers you certified individual/family dental insurance plans in Florida.

Their stand-alone dental premiums range from $18 to $98 per month. They offer you these plans from over 11 insurers in Florida.

#4. UnitedHealthcare

Coverage Features: No waiting period…

United Healthcare is also one of Florida’s best dental insurers as they offer great family plans with no waiting period.

If your family is more than 3 members, the. You won’t be paying any deductibles. Their plans are known to have great family benefits.

You can check them out in location as their website is unavailable for now.

#5. Delta Dental 

Coverage Features: Dental and Vision, PPO plans, No waiting periods, and many others…

Delta Dental has the largest network of dentists nationwide. They offer you HMO, PPO, and Fee-for-Service plans, according to your budget and specific needs.

They have thousands of providers across Florida. Feel free to visit their office close to you.

#6. Humana

Coverage Features: Dental and Vision, PPO plans, No waiting periods…

Humana is known to be one of the largest dental insurers in the US, as they offer lots of dental plans including:

  • Individual
  • Family or Employee plans
  • HMO
  • PPO and dental savings plans.

You can feel free to check them in Florida.

#7. Metlife

Coverage Features: Dental and Vision, PPO plans, No waiting periods, and many others…

Metlife offers you PPO dental plans for a form of individuals, couples, and families plans that would fully cover your preventative services.

In the Under Metlife PPO plans you have the option of visiting either in-network or out-of-network providers.

Feel free to visit them.

#8. eHealthInsurance

eHealth is an authorized federal government partner that offers you really affordable dental plans in Florida for as low as $8.95/month to start.

They offer you routine dental services which cover your preventive and basic dental care. They also have a wide range of plans so you can have more options to pick the one that suits your needs and budget.

Feel free to learn more about them.

#9. Guardian

Coverage Features: Dental and Vision, PPO and HMO plans, No waiting periods, and many others…

Guardian and Florida Blue offer you PPO and HMO plans through Blue Cross and Blue Shield. In this plan, your preventative services are included in the yearly fee through a primary practitioner would be in charge of your dental care.

This PPO plan gives you the flexibility to choose in-network with lower costs, but you may also opt for an out-of-network dentist if you wish.

Their site is unavailable for now, but you can visit their office in Florida.

#10. Cigna

Coverage Features: Dental and Vision, PPO plans, No waiting periods, and many others…

Cigna has made it easy for you by grouping their dental plans into:

  • Lower deductible plans
  • Higher benefit plans, or
  • Bundled Plans

The premiums for their lower deductible plans would cost you about $20 monthly. You also will spend $0 on dental check-ups, including cleanings and routine X-rays.

The premiums for their high annual maximum plans would cost you about $24 monthly. You also access up to $5000 in benefits.

The Bundled plan includes dental plus coverage for vision, vision, and hearing. The average monthly premium for this plan is about $32.

You can check them out.

#11. Florida Medicaid Managed Care

The Florida Medicaid Managed Care program provides you with all Medicaid dental services including:

  • Dental Screenings
  • Dental X-rays
  • Dentures and Partials
  • Extractions (removal of teeth)
  • Fillings and Crowns
  • Orthodontics (Braces)
  • Periodontics
  • Root Canals

Feel free to check them out.

#12. University of Florida

Coverage Features: PPO plans…

If you are an employee of the University of Florida, then you can possibly be eligible for the Eagles Direct Reimbursement Dental Plan that the University offers you.

Check them out!

#13. Florida State University

Coverage Features: PPO plans.

The State of Florida also offers its employees comprehensive dental coverage which becomes effective the first day of the month following one month’s full premium deduction.

The following are the dental plans the Florida State University offers you:

  • Prepaid dental plan (No deductible or annual maximum
  • Standard PPO dental plan(Orthodontia included)
  • Preventive PPO dental plan
  • Indemnity with PPO dental plan
  • Indemnity dental plan.

#14. Solstice Benefits

Coverage Features: PPO and DHMO plans…

Solstice Benefits offers you discount dental plans, DHMOs (dental health maintenance organizations), and PPOs (preferred provider organizations).

They have a large network of dentists in Florida, so you can easily find a dentist who participates in their plan. Their network includes dentists. Their dental plans offer comprehensive coverage for a wide range of dental services including:

  • Preventive care
  • Restorative care, and
  • Major dental procedures.

Use the button to check them out.

#15. University of South Florida

Coverage Features: PPO plans.

The State of Florida offers comprehensive dental coverage through several provider plans to its Faculty, Administration, Staff, and Temporary employees. 

So, if you are a temporary employee, then you must work an average of at least 30 hours per week at the point of hire or over a defined measurement period to be eligible for these benefits.

Source - University of South Florida - One of the Best Dental Insurance Florida
Source – University of South Florida – One of the Best Dental Insurance Florida

The Florida dental plans offered by them include:

  • Preventative PPO
  • Standard PPO
  • Indemnity
  • Indemnity with PPO, and
  • Prepaid

#16. MCNA Dental

MCNA Dental is a known dental benefits administrator for state-sponsored Medicaid and CHIP programs. They also provide dental benefits for adults and children in Florida’s Medicaid dental health program.

MCNA also has one of the largest networks of General Dentists and Specialists across Florida. Your Florida dental coverage with MCNA will include benefits like:

  • Dental Examinations
  • X-rays
  • Cleanings
  • Root Canal
  • Fillings
  • Tooth Extraction and many others.

#17. Dental Associates of Florida

Are you currently being offered dental insurance by your employer, but you are not so sure how to use the dental benefits?

Or are you still looking for a dentist who will accept your dental insurance in Florida? This is where this organization comes into play.

Dental Associates of Florida is simply an in-network with lots of insurance providers, making it easy for you to receive the treatment you need.

They have a team of dentists who can explain how your employee dental policy works and help you achieve maximum coverage for dental services. If this sounds like what you need, then we just offered you a solution! Smiles.

Check them out here.

#18. Coast Dental

Coast Dental operates just like the Dental Associates of Florida. They accept over 200 dental plans and file insurance claims as a convenience to you.

You can just ask them if we accept your employee dental insurance plan in Florida, they probably should, and then you enjoy your coverage.

Source - Coast Dental - One of the Best Dental Insurance Florida
Source – Coast Dental – One of the Best Dental Insurance Florida

To see the list of plans they accept, and also get other relevant information, Use the button to check them out.

Frequently Asked Questions

[sc_fs_multi_faq headline-0=”h3″ question-0=”Can I see any dentist with dental insurance in Florida?” answer-0=”Dental insurance plans in Florida often have networks of participating dentists. Some plans allow you to see any dentist, while others require you to choose from within their network for maximum coverage. It’s important to check if your preferred dentist is in-network to maximize your benefits and reduce out-of-pocket costs. Out-of-network dentists are usually more expensive.” image-0=”” headline-1=”h3″ question-1=”Does dental insurance cover cosmetic procedures in Florida?” answer-1=”Dental insurance plans in Florida typically focus on preventive care and necessary dental treatments rather than cosmetic procedures. While coverage for cosmetic procedures such as teeth whitening or veneers may be limited, some plans may offer partial coverage for specific cases, such as restorations due to dental trauma or severe discoloration. ” image-1=”” headline-2=”h3″ question-2=”Can I get dental insurance if I have pre-existing dental conditions in Florida?” answer-2=”Yes, dental insurance plans generally accept individuals with pre-existing dental conditions. However, coverage for pre-existing conditions may have to wait periods before they are fully covered. So, it’s your job to review the specifics of each plan to understand how pre-existing conditions are addressed and any waiting periods associated with them.” image-2=”” count=”3″ html=”true” css_class=””]

Important Recommendations


We would like to believe that we just made things easier for you and your pocket. Feel free to compare from the list we have offered and make your choice.

We would also like to know which plan appeals to you and why. Drop a comment!

See you next time!


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