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Dental Insurance Plans in Florida – Keep Your Smile Healthy Affordably

A healthy smile isn’t just about looks—it’s a key part of your overall health. But dental care can be expensive without coverage. Even a routine cleaning can cost over $100, and major work like crowns, implants, or dentures can run into the thousands. Dental insurance helps cover preventive care and offsets the cost of more extensive treatment, so you don’t have to delay care because of price.



Many people are surprised to learn that Medicare and most health insurance plans don’t cover routine dental care, which means you’ll need a separate plan if you want coverage.

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Protect Your Smile—and Your Health

Why Dental Insurance Matters

  • Covers regular checkups to prevent costly problems

  • Helps pay for necessary procedures like fillings, extractions, or root canals

  • Reduces financial stress when facing unexpected dental work

  • Encourages you to keep up with cleanings, which support overall health

Oral health is linked to conditions like heart disease and diabetes, so maintaining it can have benefits beyond your teeth and gums.

Coverage Basics: Preventive, Basic, Major

Most dental plans divide coverage into three categories:

01

Preventive Care 

Cleanings, exams, and X-rays. Often covered at 100% with no waiting period.

02

Basic Services 

Fillings, simple extractions, and some periodontal treatments. Typically covered around 70–80% after deductible.

03

Major Services 

Crowns, bridges, dentures, and oral surgery. Usually covered at 50% and may have a waiting period of 6–12 months.

Some plans also cover orthodontics—often for children, sometimes for adults—with a separate lifetime maximum.

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Find the Right Fit for Your Smile

Plan Types: PPO vs. DHMO vs. Discount Plans

  • PPO Dental Plans – Offer the most flexibility to choose your dentist. You’ll save more in-network, but can still go out-of-network. Annual benefit maximums usually range from $1,000–$2,000.

  • DHMO/Prepaid Plans – Lower monthly premiums with fixed copays for each service. Must use network dentists. Typically no annual maximums or waiting periods.

  • Discount Dental Plans – Membership programs that give you reduced rates at participating dentists. No insurance benefits, but can be a budget-friendly alternative.

Choosing the Right Dental Plan

Your best plan depends on:



  • Whether you want to keep your current dentist

  • How much dental work you anticipate needing

  • Your budget for monthly premiums versus out-of-pocket costs

If you want freedom of choice, a PPO might be best. If cost is your top concern and you’re fine using network dentists, a DHMO could be the way to go. We can help you compare coverage, networks, and costs side-by-side.

Dental Plans for Seniors

When you retire or leave an employer plan, dental coverage often ends. We offer plans designed for seniors, including some that bundle vision and hearing benefits. These plans have no age limits and may waive waiting periods for preventive or basic services. They’re a great option if you’re on Medicare and want to keep your teeth and gums healthy. (See our Medicare Insurance page to learn more about how Medicare and dental coverage work.)

Our Dental Carriers & Enrollment

We work with top dental insurance providers such as Delta Dental, Cigna, MetLife, and Humana. You can enroll in an individual dental plan at any time of year—there’s no open enrollment period. Many plans can start as soon as the first of the next month.

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Frequently asked questions

Frequently Asked Questions – Dental Insurance

  • Does Medicare cover dental care?

    No. Medicare does not cover routine dental care, so most seniors need a standalone dental plan.

  • Can I get dental insurance just for myself?

    Yes. We offer individual dental plans that you can enroll in anytime.

  • Are there dental plans that cover implants?

    Some plans offer implant coverage, but benefits and waiting periods vary. We can help you compare options.

  • Can I enroll in dental insurance anytime?

    Yes. Dental insurance is available year-round with most plans starting the first of the next month.

Smile Bright with Our Help

Get Covered

Don’t let cost keep you from regular checkups or needed treatment. Whether you need coverage just for yourself or for your whole family, we’ll help you find a plan that fits your needs and budget.

Call (321) 214-4594 or Contact Us today to compare dental insurance options in Florida and enroll quickly.

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