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Florida Dental Plans: Rates, Benefits & Deductible Trends

Understand the trends in Florida to buy with confidence

By Insurance Industry Expert & Author
Updated on

With over 20 million residents and over 10,000 dentists, Florida is one of the largest markets for dental insurance in the nation. By analyzing our own inventory of Florida dental plans, we'll help you:

The large number of residents and dentists encourages rigorous competition in the Florida dental insurance market. An analysis of 34 Florida dental plans for 2022 found the average monthly premium for a single enrollee was $41.92. A similar study on California dental insurance found the 2022 average premium approximately 14 percent higher than was the case for Florida. NCD Nationwide’s 5000 Plan had the highest premium at $82 a month, but it also had the highest maximum benefit among the PPO dental plans examined (see the discussion below on maximum benefits). The lowest cost option among traditional dental insurance was a HMO dental plan from Guardian, the Guardian Managed DentalGuard, cost less than $10 a month. Metlife also had a HMO dental plan that was almost the same price, the MetLife TakeAlong Dental HMO-Managed Care 350 (Low). This plan’s premium was only $8.20 a month.

The average premium was derived from 34 plans offered by eight insurance companies: Ameritas, Delta Dental, Guardian, Humana, MetLife, Nationwide, NCD, and Renaissance.

Deductibles, the amount paid out-of-pocket by a plan enrollee before the plan begins to contribute to dental costs, ranged from a low of $0 to a high of $150 for an individual. The average deductible for a single enrollee was $65 and 21 percent of plans had no deductible. The highest deductible for a family was $450 but this plan charged the deductible only once no matter how many years the family stayed continuously enroll in the plan. Some plans did not have a cap on the family deductible amount and charged $50 per enrollee.

Common dental work such as crowns also had a broad range of costs across the plans reviewed. Two plans had no coverage for crowns. HMO plans usually charged flat fee copayments for crowns. The average was $359. The least expensive copayment was $245 and the most expensive was $430. Indemnity and PPO dental plans contributed a percentage of the crown cost, leaving the remaining expense to be paid by the enrollee. The average percentage paid toward the total cost of a crown was 30 percent in the first year of insurance coverage. Several plans increased their contribution toward crown costs in the second and third year of continuous coverage.

PPO and indemnity contributions toward fillings were higher. On average, those plans covered 60 percent of filling costs in the first year of coverage. Teeth extraction coverage was not quite as high, averaging 42 percent of the total cost.

Many dental plans in Florida had a waiting period attached to some of the services covered by the plan. A waiting period is a delay before the plan will pay for a certain dental procedure. The length of a waiting period is often 3-months to a year, and it is measured starting from the date the plan becomes active. of the 34 Florida dental plans reviewed, 38 percent did not have a waiting period for any of the benefits they covered.

Most of the Florida dental plans in this study had an annual limit restricting what an insurance company will pay for covered dental care. This limit is called the maximum benefit. The HMO dental plans in the study had no such limit but among the remainder of the plans, the average maximum was $1,640 per year.

Cosmetic dentistry is often excluded from traditional dental coverage. These services include teeth whiting and veneers. DentalInsurance.com found over one-in-ten Florida dental plans (14 percent) included teeth whitening among their covered benefits.

Local Prices Vs State Averages

You can compare prices and out-of-pocket costs in your area to the averages mentioned above by visiting our dental insurance quote page. We also have additional information below on dental networks, senior coverage, Florida oral health, and charitable care. The bottom of the page also includes a list of the top-selling Florida plans on DentalInsurance.com.

Florida Dental Insurance: Networks

Florida has a variety of options regarding the dentists who can be used in conjunction with a dental plan. HMOs have the most restrictive networks and account for 12 percent of the Florida plans examined for this study. PPOs, in contrast, represented the majority of dental plans at 79 percent and often provide wider dentist options. Indemnity plans, which typically do not restrict dentist choice, represented 9 percent of plans.

If you have a preferred dentist you want to continue using for your dental care, confirm that they are in-network with a dental plan before enrolling. You may even want to call the dentist's office to confirm because sometimes dental provider directories at an insurance company are out of date with respect to insurance acceptance.

Care received from an out-of-network dentist for your dental plan can lead to higher out-of-pocket expenses. A plan may choose not to reimburse for out-of-network service (e.g. this may happen with a HMO) or may reimburse at a rate the dentist sees as too low, resulting in "balance billing" where you are responsible not just for your normal copay but the difference between what the dentist charges for a service and what the plan paid.

Florida Seniors & Dental Coverage

Florida is famous for being a retirement destination for senior citizens. In fact, according to the Population Reference Bureau, only the state of Maine has a higher percentage of senior citizens than Florida. Over one-in-five Florida residents are age 65 or older. This population is typically eligible for Medicare but Original Medicare (i.e. Parts A & B) does not include dental care among its medical benefits. As such, senior Floridians often look for a stand-alone dental plan or a Medicare insurance that includes dental benefits.

Oral Health in Florida

The State of Florida has 14,000 practicing dentists and 30,000 dental team members serving the state's population of 21,000,000. This means there is a ratio of 1,500 residents for every one dentist.

With respect to children's oral health, the 2016 report "Florida's Burden of Oral Disease Surveillance Report" noted that "the majority of children in Florida (68.9%) have teeth that are in excellent or very good condition. This prevalence is similar to the national average."

As mentioned in the previous section, Florida has one of the highest senior populations in the United States. Dental care is a major concern for the elderly population because:

Charitable Care

Florida has several programs providing charitable dental care. For example, the Florida Mission of Mercy holds a two-day event where free dental services are provided to 2,000 low-income Floridians on a first-come-first-serve basis. This year's event will take place on July 30-31 in Jacksonville, Florida.

From Learning to Shopping: Time to Save Money on Florida Dental Insurance

Now that you're educated on the Florida dental insurance market, you're better prepared to compare rate quotes for dental insurance. The following link will get dental insurance quotes for plans available in your region of Florida. You can also look at the bestsellers below to see what Florida plans have the highest sales on DentalInsurance.com.

Our best-selling plans in Florida

Guardian Logo

Advantage Achiever

Rich benefits with maximums increase each for year the first 3 years.

Plan type: PPO
Plan Maximum: $1000 – $1500

Find out more
Delta Dental logo

Immediate Coverage Plan

Immediate coverage with no waiting periods for most services. Generous plan maximum.

Plan type: PPO
Plan Maximum: $3000

Find out more
Ameritas logo

Hollywood Smile Premier Plus 2000

100% preventive coverage on day one. $2000 plan maximum. No waiting periods.

Plan type: PPO
Plan Maximum: $2000

Find out more

MORE ORAL HEALTH RESOURCES FOR FLORIDA RESIDENTS

Florida Dental Association (FDA)

Since 1884, the Florida Dental Association (a statewide professional membership organization representing Florida-licensed dentists) has worked to ensure that patients receive the highest quality care from dental professionals practicing in the state.

Florida's Action for Dental Health

This resource provided by the Florida Dental Association promotes and advocates for oral health among all Floridians.

Central Florida District Dental Association

This resource includes discussion of a wide variety of dental topics on dental needs according to life stage as well as answers to your general dental questions.

Low Cost Dental Clinics in Florida

This resource lists free and low-cost dental services available in Florida, including free dental clinics, sliding fee scale dental clinics, and non-profit dental clinics.

Florida State

In God We Trust

  • Capitol: Tallahassee
  • Nickname: The Sunshine State
  • State Bird: Northern mockingbird
  • State Flower: Orange blossom

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