Dental insurance in Florida is a big industry, but luckily, coverage isn’t as hard to come by as in some other states. Most employed residents are covered at least partially by their employers. Others have private insurance that they pay for out of pocket. The reason it’s especially important to get insurance in Florida is that dental care can be prohibitively expensive—a family can easily spend a few thousand dollars a year in regular check and maintenance procedures, plus the occasional extraction or surgery.
In Florida, the insurance industry is overseen by the state’s Department of Financial Services. This is the first place you’ll need to look if you’re looking for dental insurance. All insurance providers must be recognized by the department, so checking with them is your way of making sure you’re dealing with legitimate providers. The site also keeps a log of companies with complaints filed against them, so you can avoid the obviously bad ones.
This level of regulation helps keep insurance rates in Florida fairly competitive. That being said, not every quote you come across will be a good deal; you still have to do your own comparison shopping to make sure you’re getting the best out of your money. Experts recommend looking up references for providers, or even asking around from people you personally know.
It may also help to do the math and figure out how much you’re actually saving. If you don’t feel you need to visit the dentist that often, you may actually be better off just paying for the occasional visit. For example, the average cost of a periodic exam is about $50, while a cleaning costs around $80. Extractions will set you back around $500; this can be more or less depending on the complexity of your case. Spread the costs out over a year and compare it to the yearly cost of insurance, taking into account the risk of accidents (if they’re covered) and other conditions that may come up.
As with any other form of insurance costs depend on the scope of the plan (i.e. procedures covered), the amount of deductibles, and the flexibility allowed in choosing practitioners. Make the rates work in your favour by reading through each offer carefully. Look beyond the price and make sure you’re getting reasonable coverage—there’s no point paying pennies a day if you still have to shell out hundreds for your part of the bill, or wait a year to be reimbursed.