Dental Insurance – Florida
Get Free Quotes on Florida Dental Insurance
Finding affordable dental insurance requires some research, and DentalInsurance.com makes it easy by providing free quotes and information and allowing you to compare different plans from different providers side by side. To find out which dental insurance plans are available in Florida, enter your zip code above to get started. Before you begin though, it’s important to understand the differences between the various types of plans.
Types of Dental Insurance Plans in Florida
Each provider offers a different set of plans that fall into five categories. Some providers offer one type of plan, others offer a few. Each type of dental insurance plan covers a different set of services with a different type of payment plan. Understanding the differences between these plans will help you find the best coverage for you or your family. The types of dental insurance plans available in Florida are:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Dental Fee Schedule
- Discount Dental Plans
Discount dental plans are also sometimes called “fee for service” plans. Patients will pay a monthly or annual fee for a discount card that will allow them to receive dental care at a discount rate. Membership costs are typically small compared to the savings people receive on their dental care, though patients usually have to pay any cost not covered by the discount up front. Be sure to check each provider’s fee schedule, as well as their terms of payment. The discount dental plan providers in Florida include Aetna, Argus, Careington, and DentalSave.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) are sometimes called “pre-paid” or “managed care” plans. Dentists in DHMOs receive a fixed monthly rate in exchange for providing a set of services for free or at an extremely discounted rate. The plans are designed to incentivize dentists to provide quality care in order to avoid unnecessary procedures. DHMOs are usually the most affordable type of dental insurance plan, but they can be limited in terms of choice patients have for dentists, and may require higher co-payments for services not included in the plan. Be sure to check which dentists are available in your area, as well as the services covered by the DHMO. The DHMOs providers available in Florida include Dental Health Services, Safeguard Dental, and Argus.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) promise a maximum cost of care from a network of approved dentists who have agreed to reduce their fees. PPO plans typically have the largest network of dentists to choose from compared to discount plans or DHMOs, but may place restrictions on the types of services that PPO dentists are willing to provide. If you’re shopping for a Florida dental PPO, be sure to check which procedures are covered under the maximum cost of service, as well as provisions concerning treatment outside of the approved network. Florida PPO providers include Delta Dental, HumanaOne, and Nationwide.
Fee Schedule Plans plans are similar to discount plans and PPOs in that they are “fee-for-service,” and usually specify an approved list of dentist. The difference is that rather than providing a flat discount or an assured maximum cost of dental care, fee schedule plans provide reimbursements based on the type of procedure a patient receives. The reimbursement rate for each procedure is defined by a “fee schedule,” which is determined by UCR fee based on what dentists and providers agree on “usual,” “customary,” and “reasonable” charges for covered services. Check with each provider to see how often they update their fee schedule, as well as how these updates are communicated to patients. Symetra is the only fee schedule provider in Florida.
Indemnity Plans set a UCR ceiling on the cost of the procedures and cover a percentage of the charges. These plans are sometimes known as “traditional” dental insurance. Unlike PPOs, they don’t have a preferred network, which gives patients greater freedom to choose their dentist. Indemnity plan providers make payments only after receiving and reviewing the bill, so patients may have higher out-of-pocket payments. If you’re looking for an indemnity plan in Florida, make sure to check the provider’s fee schedule to see what percentage of the customary fee they are committed to paying, and how often their fee schedule changes. Indemnity plan providers in Florida include Security Life, Stonebridge (also known as Encore Dental), Delta Dental, and Nationwide.