Top dental carriers available in Florida
Delta Dental Highlights
• Top network of dentists
• Up to $2,000 Annual Max
• Large Network of Dentists
Spirit Dental Highlights:
• No waiting period all plans
• Up to $5,000 Annual Max
• Large Network of Dentists
Renaissance Highlights:
• No waiting period some plans
• Up to $3,000 annual max
• Large Network of Dentists
Denali Dental Highlights:
• No waiting period all plans
• Up to $6,000 Annual Max
• Adult Ortho Available
Choosing a dental plan with in-network savings is one way to save money on your dental bill. The dentists that participate in these networks agree to discounted rates (see below) for their services. These are typically referred
to as PPO plans.
As an example, for the state of Florida, the Network Spirit plans are shown below with the in-network savings you’ll receive by procedure. You can also check out the average cost you’ll expect to see. *All plans you see below are Spirit Dental.
If you need a dental checkup in Florida, be aware that the average cost is $208.35. That breaks down to an average of $91.82 for a cleaning, $52.96 for an exam, and $63.57 for X-rays.
With a Network plan, you can save on every aspect of your check-up when you visit an in-network dentist.
Average cost
$208.35
Network discount
36.3%
Average savings
$75.63
Dental crowns can certainly be pricey. In Florida, the average cost for this procedure is $1,163.33.
Dental insurance can help make it easier to afford the cost of dental crowns in Florida, thanks to an average network discount of 34.1%.
Average cost
$1,163.33
Network discount
34.1%
Average savings
$396.70
When people think of expensive dental procedures, they often think of implants. The average cost of dental implants in Florida is $4,191.91. That includes an average of $773.06 for the abutment, $1,993.10 for the implant body, and $1,425.75 for the implant prosthesis.
Having the right dental insurance can make a big difference, as the average network discount in FL for dental implants is 24.3%. More specifically, the average network discount is 35.3% for an abutment, 18.9% for an implant body, and 29% for an implant prosthesis.
Average cost
$4,191.91
Network discount
24.3%
Average savings
$1,018.63
Everyone dreads getting a root canal, but what is just as scary is the out-of-pocket price. This procedure costs, on average, $1,035.83 in Florida.
Root canals can be more affordable if you have the right dental plan. The average network discount for a root canal in Florida is 31.8%.
Average cost
1,035.83
Network discount
31.8%
Average savings
$329.39
The best dental insurance depends on your needs, your situation and your location.
Your needs
Dental insurance covers a vast array of tooth issues and prevention. From cleanings to fillings, root canals to implants, dentures to braces, these procedures and services can add up. Which dental insurance plan you choose may depend on the need you have and the amount the insurance will cover.
Your situation
Do you need a dental procedure ASAP? Some dental plans offer no waiting periods. Are you thinking you’ll need dentures in a few years? Some plans offer increasing benefit coverage after year one. For family dental plans, some plans offer orthodontia coverage and major services for wisdom teeth.
Further, there are also full coverage plans that cost a bit more, but you’ll receive more dental benefits—multiple preventive cleanings covered 100%, major services coverage with no waiting periods, orthodontia, etc. Alternatively, there are also plans that have a limited network of dentists but offer low monthly costs and discounted rates for specific procedures.
Your location
When you shop for dental plans, you’ll find that plans have benefit-limits on which dentist you can visit. Some plans have large networks, and some plans have small networks. If you visit an in-network dentist with your plan, the benefits will be greater than if you see someone out-of-network. Your location may help you determine which plan is best for you.
The cost of dental insurance in Florida is determined by premiums (monthly cost) and out-of-pocket costs that vary by plan. What are some of these out-of-pocket costs?
Coinsurance
Coinsurance is the split cost of what the plan pays and what you pay. Dental insurance is typically categorized by Preventive/Basic/Major services. These follow a percentage of coverage that typically looks something like 100/80/50.
From this, you would see that your preventive cleanings would be covered 100%, a basic service (like fillings) would get 50% coverage and major services (root canals, implants) would get 25% coverage. For the major service, the carrier pays 25% of the cost, and you pay 75%.
Copay
A copay is the cost you pay to your dentist for each visit.
Deductibles
Deductibles are a yearly or one-time fee that must be paid before the insurance company covers your dental procedure or service.
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