Best Dental Insurance Plans Florida
Best Dental Insurance Plans in Florida: 2025 Comparison
Florida residents have a wide range of dental insurance options, from budget-friendly basic coverage to comprehensive plans with high annual maximums and orthodontic benefits. Here’s a detailed look at the top providers and plans, their features, and what makes each stand out.
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- No waiting periods on most preventive care
- Flexible plan options for individuals & families
- Instant online enrollment
- Nationwide provider networks
| Provider | Plan Types | Monthly Premium Range | Annual Maximum | Notable Features |
|---|---|---|---|---|
| Florida Blue | PPO, Copayment, Prepaid (HMO-style) | $10–$60 | $1,000+ (PPO/Copay) | Large network, 100% preventive, rollover benefits, orthodontics (kids) |
| Ameritas | PPO | $25–$57 | $750–$3,000 | No waiting for most services, high max, preventive doesn’t count toward max |
| Delta Dental | PPO, DHMO | $9–$56 | $1,000–$2,000 (PPO) | Largest network, orthodontics, basic/major covered (varies by plan) |
| Humana | PPO, Preventive-only | $18–$44 | $1,000–$1,250 | Budget-friendly, large network, increasing annual max, strong service |
| DentaQuest | PPO | $9–$13 | Varies | Cheapest rates, good preventive/basic coverage, limited orthodontics |
Plan Highlights
Florida Blue
BlueDental Choice PPO: $30–$60/month, $1,000 annual max (+rollover), $50 deductible, 100% preventive, 80% basic, 50% major, orthodontics for kids, large network, 6-month waiting period for major/ortho (waived with prior coverage).
BlueDental Copayment: $25–$45/month, $1,000 max, fixed copays for services, $0 preventive copay, orthodontics for kids, smaller network.
BlueDental Care (Prepaid): $10–$25/month, no annual max, fixed copays, smallest network, no out-of-network coverage.
Ameritas
PrimeStar® Lite: $25.83/month, $750 max (year 1), $1,500 (year 2), $50 deductible, 100% preventive, 50–80% basic, 10–20% major, no waiting for most services.
PrimeStar® Complete: $57.26/month, $3,000 max, increasing coverage over time, large national network.
Delta Dental
PPO Basic: $22.43/month, $1,000 max, $50 deductible, 100% preventive, 50% basic (after 6 months), no major coverage.
PPO Premium: $55.74/month, $2,000 max, broader coverage including some major services and orthodontics.
DeltaCare USA: $8.92/month, no annual max, fixed copays, limited network.
Humana
Preventive Value: $18/month, no annual max, $50 lifetime deductible, 100% preventive, no basic/major.
Bright Plus: $25/month, $1,250 max, covers preventive and some basic/major, increasing benefits over time.
Loyalty Plus: $28/month, $1,000 max (year 1), increases each year, lifetime deductible.
Complete Dental: $44/month, $1,250 max, comprehensive coverage.
DentaQuest
High Coverage: $13/month, $50 deductible, 100% preventive, 20–50% major/restorative, no ortho.
Low Coverage: $9/month, $50 deductible, higher coinsurance for basic/major, no ortho.
Key Considerations
Preventive care is covered at 100% by most plans, often with no waiting period.
Basic and major services (like fillings, crowns, root canals) are covered at varying percentages, with waiting periods (often 6–12 months) for major work unless waived for prior coverage.
Orthodontic coverage is usually only for children and limited to higher-tier plans (Florida Blue PPO, Delta Dental Premium).
Networks: Florida Blue and Delta Dental have the largest provider networks; Ameritas also offers strong national access.
Annual maximums: Range from $750 to $3,000, with some plans offering rollover of unused benefits.
No waiting period: Ameritas is notable for minimal or no waiting on most services; others may waive waiting if you had prior coverage.
Medicaid: DentaQuest, Liberty, and MCNA Dental are the main Medicaid dental plans, covering children and adults for all state plan dental service.
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| Plan Name | Premium (Individual) | Deductible | Annual Max | Preventive | Basic | Major | Waiting Period |
|---|---|---|---|---|---|---|---|
| BlueDental Choice PPO | $30–$60 | $50 | $1,000+ | 100% | 80% | 50% | 6 months (major) |
| Ameritas PrimeStar® Lite | $25.83 | $50 | $750–$1,500 | 100% | 50–80% | 10–20% | None/Short |
| Delta Dental PPO Basic | $22.43 | $50 | $1,000 | 100% | 50% | 0% | 6 months (basic) |
| Humana Preventive Value | $18 | $50 (lifetime) | None | 100% | 0% | 0% | None |
| DentaQuest High Coverage | $13 | $50 | Varies | 100% | Varies | 20–50% | Varies |
Bottom Line
Florida Blue is best for flexibility, large networks, and rollover benefits.
Ameritas offers high annual maximums and minimal waiting periods.
Delta Dental is ideal for those seeking the largest network and orthodontics.
Humana is a solid budget choice with strong customer service.
DentaQuest is the cheapest for basic coverage and preventive care.
Always compare plan details, network dentists, and waiting periods before enrolling to ensure the plan fits your dental needs and budge
Best Dental Insurance Plans in Florida – Frequently Asked Questions
How much does dental insurance cost in Florida?
Who are the top dental insurance providers in Florida?
What types of dental plans are available in Florida?
Are pediatric dental plans ACA-compliant in Florida?
Which insurers offer dental coverage through the Florida marketplace?
What does dental insurance typically cover?
Is orthodontic coverage available?
Are there waiting periods for coverage?
Can I use my dental insurance with any dentist?
How do I enroll in a dental plan in Florida?
Does Florida Medicaid cover dental?
What is the annual maximum for dental insurance?
Are there dental plans with no annual maximum?
What should I consider when choosing a dental plan?
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