9+ Full Coverage and Free Dental Insurance in Florida

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According to the Florida Health Insurance Marketplace, there are approximately 1.5 million Floridians without dental insurance. Interestingly, approximately 60% are eligible for Medicaid or the Children’s Health Insurance Program (CHIP), which is free in Florida, but are not enrolled.

In this article, we will explore 9 of these full-coverage and free dental insurance plans for you. With this, you can confidently get the dental insurance coverage you need for yourself and your family.

Let’s get started with important tips for maximizing the dental insurance coverage you plan to get.

Tips for Maximizing Your Dental Insurance Benefits

If you want to enjoy your dental insurance coverage in Florida, then follow these tips:

  • Schedule regular preventive care
  • Understand annual maximums
  • Coordinate treatments strategically.
  • Utilize in-network providers
  • Review coverage for specialized treatments

1. Schedule regular preventive care:

You can really take advantage of your dental insurance by scheduling regular preventive care appointments. Routine check-ups, cleanings, and X-rays are often fully covered or have minimal out-of-pocket costs.

When you prioritize preventive care, you can address any dental issues early on and potentially avoid more extensive and costly treatments.

2. Understand annual maximums:

Familiarize yourself with the annual maximum limit of your dental insurance plan. The annual maximum is simply the maximum amount the insurance company will pay for dental procedures within a given year.

Plan your treatments strategically to stay within the coverage limits and optimize the use of your benefits.

3. Coordinate treatments strategically:

If you require multiple dental procedures, coordinate them strategically to maximize your benefits. Let’s say, for providers:

Stick to dentists who are in-network with you. For example, if your dental insurance has a waiting period for certain procedures, so schedule them accordingly to ensure coverage is available when you need it.

4. Utilize in-network providers:

In-network providers have pre-negotiated rates with the insurance company, resulting in lower costs for you. Before scheduling an appointment, you should confirm that the dentist you plan to visit is part of your insurance network.

5. Review coverage for specialized treatments:

If you require specialized dental treatments such as orthodontics or oral surgery, carefully review your dental insurance coverage. Some plans may have limitations or separate coverage for such procedures. Understand the extent of coverage and any potential out-of-pocket expenses.  

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Benefits of Having Dental Insurance in Florida

Here are some of the benefits of having dental insurance in Florida:

  • Dental insurance offers numerous benefits beyond cost savings.
  • It ensures regular dental check-ups, preventive care, and timely treatment.
  • Good oral health is linked to overall well-being, making dental insurance an essential investment.
  • Preventive measures like cleanings and check-ups can help you avoid costly dental procedures down the line.
  • Also, many dental insurance plans cover a portion of major dental work, reducing the financial burden.

Dental Coverage Options in Florida

Full coverage dental insurance in Florida typically includes preventive, basic, and major dental services.

  1. Preventive services like cleanings and check-ups are often fully covered, ensuring you can maintain your oral health without extra costs.
  2. Basic services like fillings and extractions may have a copayment, while
  3. Major services like crowns and root canals are usually partially covered. Understanding these coverage levels helps you anticipate expenses and choose the right plan.

Eligibility and Enrollment of Free Dental Insurance Plans in Florida

Eligibility for free dental insurance in Florida varies depending on the program or assistance you want to go for. Government programs like Medicaid and CHIP provide coverage for eligible low-income individuals and families.

Enrollment processes can differ, so you have to make sure you check the eligibility criteria and follow the necessary steps for enrollment to access free dental insurance.

Read Also: Cheapest and Free Dental Insurance in Oklahoma

5 Best Full Coverage Dental Insurance in Florida

The following are full coverage dental insurance in Florida:

  • Delta Dental of Florida
  • UnitedHealthcare
  • Aetna
  • Guardian Direct
  • MetLife

#1. Delta Dental of Florida

Delta Dental currently has one of the largest networks of dentists in Florida and the US as a whole. They offer great full-coverage dental plans that should cover your preventive, orthodontic treatment, basic, and major restorative treatments.



#2. UnitedHealthcare

UHC is one of the amazing insurers in Florida when it comes to offering full coverage insurance. This plan covers the following:

  • Preventive care
  • Basic dental services
  • Major dental services
  • Access to a wide network of dentists
  • Direct payment to in-network dentists, and
  • No age restrictions

We observed that one of the reasons some persons get their full coverage dental plan in UHC is because they get access to preventive care on the first day of their plan meaning, no waiting period.

Do well to check them out now.


#3. Aetna

Aetna offers you a plan they call the Aetna Dental Direct plan which provides appropriate coverage for in-network preventive care 100% with no out-of-pocket cost.

Aetna - Full Coverage Dental Insurance in Florida
Aetna – Full Coverage Dental Insurance in Florida

If you wish to switch from your existing comparable plan to an Aetna plan, they’ll waive your waiting period for even major services like crowns or root canals and also you’ll be able to start using your plan right away.


#4. Guardian Direct

Guardian Direct uniquely offers you full coverage plans through the healthcare marketplace (directly) and you will be able to choose the one that fits your budget and dental health needs.

Feel free to check them out.


#5. MetLife

MetLife offers you PPO plans which are known to provide coverage benefits like:

  • Wide range of dental services/procedures,
  • A larger network of dental providers
  • Preventive dental care is covered at 100% in-network
  • Save more on in-network
  • No paperwork as your dentist submits your claims, and
  • Save up to 30% to 50% on dentist list prices.

All these end up giving you the flexibility to choose any licensed dentist, in or out-of-network. There is also a plan for the state of Florida Employees.

Do well to check them out.


4 Top Free Dental Insurance in Florida

The following are free dental insurance for you in Florida:

  1. Florida Donated Dental Services (DDS)
  2. Florida Mission of Mercy (FLA-MOM)
  3. Dental Lifeline Network
  4. Project: Dental Care
  • Florida Donated Dental Services (DDS)

This program provides free, comprehensive dental care services to Floridians who are elderly, disabled, or medically fragile and cannot afford necessary treatment.

  • Florida Mission of Mercy (FLA-MOM)

FLA-MOM is currently the state’s largest charitable professional dental clinic that provides care to any patient at no cost with the aim of serving the underserved and uninsured in Florida.

  • Dental Lifeline Network

Dental Lifeline Network is a national nonprofit organization, founded in 1974, that provides access to dental care and education for people who cannot

  • Project: Dental Care

Project: Dentists Care (PDC) is a dental access-to-care program that has been aimed at bringing dental care to the community since 1993 and the PDC clinics have provided treatment to nearly 64,000 underserved patients in Florida.

PDC - One of the Free Dental Insurance in Florida
PDC – One of the Free Dental Insurance in Florida

Frequently Asked Questions

[sc_fs_multi_faq headline-0=”h3″ question-0=”What is the difference between full coverage and free dental insurance in Florida?” answer-0=”Full coverage dental insurance typically includes a comprehensive range of dental services, including preventive, basic, and major treatments. It often involves paying monthly premiums, deductibles, and copayments. On the other hand, free dental insurance in Florida often refers to government programs like Medicaid or CHIP, which provide coverage at little to no cost for eligible low-income individuals and families. The major difference lies in the cost and eligibility criteria.” image-0=”” headline-1=”h3″ question-1=”How can I find out if I’m eligible for free dental insurance in Florida?” answer-1=”Eligibility for free dental insurance programs in Florida, such as Medicaid or CHIP, is determined based on factors like income, family size, and other criteria. Just take time to check your eligibility as they will be ready to provide you guidance on the application process and whether you qualify for these programs.” image-1=”” headline-2=”h3″ question-2=”Are there any waiting periods for coverage with dental insurance plans in Florida?” answer-2=”Waiting periods can vary depending on the dental insurance plan you choose. Some plans may have waiting periods, especially for major dental procedures. Preventive services like cleanings and check-ups often have shorter or no waiting periods.” image-2=”” headline-3=”h3″ question-3=”What should I do if I can’t afford dental insurance in Florida?” answer-3=”If you can’t afford dental insurance, then consider going for dental savings plans, which offer discounts on services at participating dentists.” image-3=”” headline-4=”h3″ question-4=”How can I ensure that I find a reputable dentist in Florida who accepts my dental insurance plan?” answer-4=”Simply start by visiting your insurance provider’s website or contacting their customer service. They can provide a list of in-network dentists near you. You can also read online reviews and ask for recommendations from friends or family members. You just have to make sure that the dentist’s location and office hours are convenient for you, and don’t hesitate to call and ask any questions about their services and fees.” image-4=”” count=”5″ html=”true” css_class=””]

Important Recommendations


If you have read this article, then be rest assured you’ve got enough to get your dental insurance at an affordable rate. Let us know what plan you would want to try out first. We are eager to get reply at the comment section.

Bye for now!

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