Best Dental Insurance Providers in Florida
I've worked with many dental insurance providers in Florida, and I'm confident that these are the best picks for 2025.
#1. Florida Blue - best for flexibility and rollover benefits
#2. Ameritas - highest annual maximum benefits
#3. Delta Dental - largest network of dentists
#4. Humana - budget-friendly premiums
Let's jump right in and start with reviewing these providers in more detail.
#1. Florida Blue
Available Plans in Florida:
- BlueDental Choice PPO Plans: $30-$60/month with a $1,000-$2,000 annual max (before rollover).
- BlueDental Copayment Plan: $25-$45/month with a $1,000-$1,500 annual max.
- BlueDental Care (Prepaid Plan): $10-$25/month with no annual maximum.
Key Features of Florida Blue Dental Plans:
- 100% coverage for preventive care (cleanings, exams, and x-rays)
- Large statewide and national provider networks (especially with PPO plans)
- Affordable monthly premiums starting around $10–$30 depending on the plan
- Coverage for basic and major services, including fillings, crowns, root canals, and oral surgery
- Predictable copay options with fixed-fee plans for easier budgeting
- Maximum Rollover benefit that lets you carry over unused benefit dollars to future years
- Orthodontic coverage available on some plans (especially for children)
- No deductibles or annual maximums on prepaid (HMO-style) plans
- Optional bundling with vision, health, or Medicare-related products
- Extra perks for those with chronic conditions through the Oral Health for Overall Health program
Let’s take a closer look at Florida Blue’s dental plans and see what each one has to offer.
BlueDental Choice PPO Plans - Most Flexible Option
Florida Blue's BlueDental Choice PPO plans are perfect for individuals and families looking for wide access to dentists, solid coverage for all types of care, and great long-term benefits.
These plans are a great fit if you like having the freedom to choose your own dentist or need the flexibility to go out-of-network.
- Monthly Premium: Around $30–$60 per person, depending on age, plan level, and ZIP code.
- Annual Maximum: Usually $1,000 to $2,000, with rollover potential for unused amounts.
- Deductible: Typically $50 per individual / $150 per family (waived for preventive care).
- Coverage:
- Preventive Care: 100% coverage
- Basic Care: 80% coverage
- Major Care: 50% coverage
- Orthodontic Coverage: Some PPO plans offer optional orthodontic benefits, mainly for dependents but sometimes for adults.
Note: Waiting periods may apply to major services or orthodontics, but preventive care is covered immediately.
BlueDental Choice Copayment Plan – PPO Flexibility With Fixed Costs
The BlueDental Choice Copayment Plan is a great middle-ground dental option for individuals and families who want clear, upfront pricing for dental services without giving up network flexibility.
It’s part of Florida Blue’s PPO dental lineup but works a little differently: instead of percentage-based coverage (like 80/20), this plan offers set copayments for various dental procedures.
- Monthly Premium: Around $25–$45/month.
- Annual Maximum: Usually between $1,000–$1,500, with rollover options if applicable.
- Deductible: Often waived for preventive services; may apply to certain basic or major services.
- Coverage:
- Preventive Care: Covered in full with $0 copay for cleanings, exams, and x-rays.
- Basic Care: Fixed copays for services like fillings, extractions, and simple root canals.
- Major Care: Fixed copays for crowns, dentures, oral surgery, and more complex treatments.
- Orthodontic Coverage: May be available as an optional add-on or with select plan versions.
This plan is perfect for people who want a "what you see is what you pay" experience with their dental care. You still get wide network access and quality care, but with a simplified cost structure that’s ideal for budgeting.
If you’re not expecting a lot of major dental work but want reliable, affordable access to preventive and basic services, this is a plan worth considering.
BlueDental Care – Florida Blue’s Prepaid Dental Plan
The BlueDental Care Plan is a prepaid dental plan that offers low, fixed copayments and no annual maximums or deductibles.
This plan works like an HMO: you select a Primary Care Dentist (PCD) from the Florida Blue network, coordinate all care through them, and must stay in-network for coverage. Services are available at set copay amounts listed in the benefits schedule.
- Monthly Premium: Around $10–$25/month, making it one of the most affordable dental plans on the market.
- Annual Maximum: None
- Deductible: None
- Copays: Listed in a fixed schedule (e.g., a filling might cost $25–$50, a crown might be $250–$400)
Florida Blue’s Maximum Rollover Benefit
One of the standout perks of Florida Blue’s PPO dental plans is the Maximum Rollover feature.
If you don’t use all of your annual dental benefits, Florida Blue rolls over a portion of the unused amount to the next year. Over time, this can significantly increase your total benefit maximum, giving you more coverage for major or unexpected procedures.
Example: If your plan’s annual max is $1,000 and you only use $500 this year, you might roll over $250 to the next year—raising your max to $1,250.
This feature encourages preventive care and smart spending, making it great for people who mostly stick to cleanings and the occasional filling—but still want coverage in case they ever need a crown or root canal down the road.
Florida Blue’s Oral Health for Overall Health Program
Florida Blue’s Oral Health for Overall Health program is one of the most valuable and unique features of their dental plans - and a big reason we recommend them for people managing certain medical conditions.
This program is here to help members with certain chronic health conditions get the extra dental care they might need to take better care of their overall health.
Florida Blue dental plan members with certain medical conditions, such as diabetes, heart disease, cancer treatment, pregnancy, or organ transplant, may qualify for these additional benefits:
- Additional cleanings (up to four total per year instead of the usual two)
- Periodontal maintenance and scaling/root planing, depending on need
- Fluoride treatments
- Oral cancer screenings
- Personalized oral health support from Florida Blue's care coordination team
All of these services are covered 100% in-network - with no out-of-pocket cost for the member.
Summary:
Florida Blue combines affordability, flexibility, and meaningful benefits in a way that’s hard to beat. Whether you're managing a family, planning for orthodontics, or just want dependable preventive care at a good price, Florida Blue offers reliable, high-value dental coverage you can trust.
Florida Blue has dental plans that start at just $12/month and cover 100% of preventive care like cleanings and exams when you use in-network providers. You can choose from flexible HMO or PPO plans, with options for orthodontic coverage, a rollover feature for unused benefits, and access to a big provider network.
Plus, their Oral Health for Overall Health program offers extra support if you have a chronic condition.
#2. Ameritas
Available Plans in Florida:
- PrimeStar® Lite: $25.83/month with a $1,500 annual max after the first year.
- PrimeStar® Boost: $48.66/month with a $2,000 annual max after the first year.
- PrimeStar® Complete: $57.26/month with a $3,000 annual max after the first year.
Key Features of Ameritas Dental Plans:
- Preventive procedures that don't count against the annual maximum
- No waiting periods for most services
- Increasing benefits over time
- One of the largest dental networks in the U.S.
- Members have the flexibility to choose in-network and out-of-network providers
- All plans offer next-day coverage and there are no enrollment fees
Let's dive into Ameritas dental plans and break down what each one covers.
PrimeStar® Lite – Affordable Preventive-Focused Plan
The PrimeStar® Lite plan is your most budget-friendly option with Ameritas. It offers 100% coverage for preventive care, including exams and cleanings. A notable feature of this plan is its increasing annual maximum, with expanded coverage for basic and major procedures starting after the first year.
- Monthly Premium: $25.83
- Annual Maximum: $750 in year one, increases to $1,500 after the first year
- Deductible: $50 per person (up to 3 per family)
- Coverage:
- Preventive Care: 100% from day one (e.g., exams, cleanings, fluoride for children under 15)
- Basic Care: 50% coverage in year one, 80% after year one (e.g., fillings, fluoride, sealants, bitewing X-rays)
- Major Care: 10% coverage in year one, 20% after year one (e.g., crowns, root canals, extractions, dentures, bridges)
PrimeStar® Boost – Enhanced Coverage for Families
The PrimeStar® Boost plan is a great pick for family coverage. It offers extra benefits like teeth whitening and orthodontic care for kids. Plus, you'll have comprehensive coverage for preventive care, basic services, and major services.
- Monthly Premium: $48.66
- Annual Maximum: $1,500 in year one, increases to $2,000 after the first year
- Deductible: $50 per person (up to 3 per family)
- Coverage:
- Preventive Care: 100% from day one (e.g., exams, cleanings, fluoride treatments)
- Basic Care: 65% coverage in year one, 80% after year one (e.g., fillings, simple extractions)
- Major Care: 20% coverage in year one, 50% after year one (e.g., crowns, root canals, oral surgery, implants, teeth whitening)
- Child Orthodontia: 15% coverage in year one, 50% after year one, with a lifetime maximum of $1,000 per child
PrimeStar® Complete – Comprehensive Coverage + Hearing Benefits
The PrimeStar® Complete plan might cost a bit more, but it offers the most comprehensive coverage and an annual maximum of up to $3,000 after the first year. Hearing benefits, including exams and hearing aids, are also included in this plan for members of all ages.
- Monthly Premium: $57.26
- Annual Maximum: $2,500 in year one, increases to $3,000 after the first year
- Deductible: $50 per person (up to 3 per family)
- Coverage:
- Preventive Care: 100% from day one (e.g., exams, cleanings, X-rays)
- Basic Care: 80% coverage in year one, 90% after year one (e.g., fillings, simple extractions)
- Major Care: 20% coverage in year one, 50% after year one (e.g., crowns, implants, root canals, dentures, bridges, periodontics)
- Hearing Benefits: Coverage for hearing exams and hearing aids, starting at $200 and increasing up to $400 after year two. You’re re-eligible for hearing aid benefits after five years
Summary:
Ameritas is one of my top picks for dental insurance in 2025. They have a large network of providers and comprehensive dental coverage options. With more than 11 million members, they focus on making members happy by offering quick electronic claim processing and flexible ways to submit claims.
With all of their dental plans, you’ll see an increase in benefits and coverage for basic and major procedures after the first year of enrollment.
Their basic plan starts at $25 per month, and they also offer a family-friendly plan that includes orthodontic care for children. The $3,000 annual maximum on their most comprehensive plan makes it a valuable investment if you anticipate major procedures or require hearing benefits.
#3. Delta Dental
Available Plans in Florida:
- Delta Dental PPO Individual - Basic Plan: $22.43/mo with a $1,000 annual max
- Delta Dental PPO Individual - Premium Plan: $55.74/mo with a $2,000 annual max
- DeltaCare® USA FLA70 Individual/Family Dental Program: $8.92/mo with no annual max
Key Features of Delta Dental Plans:
- Predictable costs with their Dental Care Cost Estimator
- Premium PPO and DeltaCare® USA plans include orthodontic coverage
- DeltaCare® USA plan has no annual maximums
I'll review each plan along with coverage details, then share my overall thoughts on Delta Dental.
Delta Dental PPO Individual - Basic Plan
The Basic PPO plan is a decent option for Florida residents who need preventive care and basic treatments like cleanings and fillings. It has lower premiums - but a more restricted provider network and only a $1,000 annual maximum.
- Monthly Premium: $22.43
- Annual Maximum: $1,000
- Annual Deductible: $50 per person
- Coverage:
- Preventive Care: 100% coverage for cleanings, exams, and X-rays from day one
- Basic Care (after 6 months): 50% coverage for fillings and simple tooth extractions
- Major Care: Not covered under this plan
Delta Dental PPO Individual - Premium Plan
The Premium PPO plan provides more extensive coverage, including major dental procedures and orthodontics (after a 12-month waiting period). This plan is a better fit for families and those expecting significant dental work.
- Monthly Premium: $50.74
- Annual Maximum: $2,000
- Annual Deductible: $50 per person
- Coverage:
- Preventive Care: 100% coverage for cleanings, exams, and X-rays from day one
- Basic Care (after 6 months): 80% coverage for fillings, simple tooth extractions, mouth guards, and teeth whitening
- Major Care (after 12 months): 50% coverage for more complex services such as root canals, crowns, dentures, and implants
- Orthodontics: 50% coverage for both child and adult orthodontics after a 12-month waiting period
DeltaCare® USA FLA70 Individual/Family Dental Program
The DeltaCare® USA FLA70 plan is a DHMO offering a very low premium for dental services without an annual maximum or deductible, however, it lacks coverage for implants and some major services.
- Monthly Premium: $8.92 - Paid annually at $107.04.
- Annual Maximum: No annual maximum
- Annual Deductible: None
- Coverage:
- Preventive Care: $0 copay for exams and X-rays, $20 for cleanings (limited to 2 per year).
- Basic Care: $25–$120 copay for fillings, $30–$230 for tooth extractions.
- Major Care: $240–$400 copay for root canals, $125–$495 for crowns, and $495 for dentures. Implants are not covered under this plan.
- Orthodontics: 75% coverage for both adult and child orthodontics
Summary:
One great thing that I appreciate about Delta Dental is its transparency about service costs. They offer a Dental Care Cost Estimator that gives you an estimate of potential costs before you receive services.
However, It's important to be aware that certain services under Delta Dental may have waiting periods. For example, restorative services like fillings and non-surgical extractions may have a 6-12 month waiting period, while major services like crowns, bridges, and dentures typically have a standard 12-month waiting period.
When compared with Delta Dental, Ameritas and Florida Blue offer more flexibility and value, especially with no waiting periods for most services and higher annual maximums that increase over time.
#4. Humana Dental
Available Plans in Florida:
- Preventive Value Plan: $18/mo with no annual max
- Humana Bright Plus Plans: $25/mo with a $1,250 annual max
- Humana Loyalty Plus Plans: $28/mo with 1,000 annual max in year one
- Humana Complete Dental Plan: $44/mo wih a $1,250 annual max in year one
Key Features of Humana’s PPO Dental Plans:
- Competitively priced premiums compared to other providers
- Network of over 335K dentists
- Lifetime deductibles and increasing annual maximums
Let's break down the four dental insurance plans offered by Humana in Florida.
Humana Preventive Value Plan
The Preventive Value Plan is Humana's budget-friendly option for anyone looking for coverage on routine dental care and preventive services. It has the lowest monthly premium - but no annual maximum.
- Monthly Premium: $18 per person
- Annual Maximum: None
- Annual Deductible: $50 lifetime deductible for individuals
- Coverage:
- Preventive Care: 100% coverage for routine cleanings and exams, X-rays, and fluoride treatments. No waiting periods.
- Basic Services: Not covered.
- Major Services: Not covered.
Humana Bright Plus Plan
The Bright Plus Plan provides an affordable option for basic dental care, including coverage for fillings and extractions after a 3-month waiting period. It's a better choice than the Preventive Value Plan for individuals needing a little more dental work.
- Monthly Premium: $25 per person
- Annual Maximum: $1,250 per person
- Annual Deductible: $50 per individual, $150 per family
- Coverage:
- Preventive Care: 100% coverage for routine cleanings, exams, and X-rays, with no waiting period.
- Basic Services: Includes fillings, X-rays, and simple extractions after a 3-month waiting period.
- Major Services: Not covered.
Humana Loyalty Plus Plan
The Loyalty Plus Plan rewards long-term members with increasing benefits over time. This plan stands out with its increasing annual maximum benefit the longer you stay enrolled.
- Monthly Premium: $28 per person
- Annual Maximum:
- Year 1: $1,000
- Year 2: $1,250
- Year 3 and beyond: $1,500
- Annual Deductible: $50 per individual, $150 per family
- Coverage:
- Preventive Care: 100% coverage for cleanings, exams, and X-rays, with no waiting period.
- Basic Services: Includes fillings, simple extractions, and X-rays after a 6-month waiting period.
- Major Services: Covers oral surgery, root canals, crowns, and dentures after a 12-month waiting period.
Humana Complete Dental Plan
The Complete Dental Plan by Humana is a comprehensive PPO option with no deductible or waiting period, offering immediate access to preventive, basic, and major dental care. It has a higher annual maximum of $1,250 in the first year and $1,500 from the second year, making it ideal for those expecting significant dental work.
- Monthly Premium: $44 per person
- Annual Maximum:
- Year 1: $1,250
- Year 2 and beyond: $1,500
- Annual Deductible: None
- Coverage:
- Preventive Care: 100% coverage for cleanings, exams, and X-rays, with no waiting period
- Basic Services: Includes fillings, simple extractions, and root canals
- Major Services: Covers crowns, dentures, oral surgery, and other major procedures with no waiting period
Summary:
One great thing about choosing Humana is the access to its huge network of over 335,000 dentists and specialists. If you’re just looking for regular preventive care and don't foresee any major dental work, the Preventive Value Plan could be a good choice for you. It’s affordable at just $18 a month, with no annual maximum, and it covers all the basics, like cleanings, exams, and X-rays.
Just keep in mind, though, some of Humana's dental plan offerings have waiting periods, which isn’t ideal for everyone.
Ameritas will likely be a better fit if you don't want to deal with waiting periods and/or you think you’ll need coverage for more complex procedures.
Which Plan Is Best for You?
I've given you a lot of information, like costs and coverage breakdowns for four dental providers and their plans in Florida.
But you may still be asking, which plan is best for me?
Let's go through a few scenarios to help you determine the best option for your dental health needs and budget.
Scenario: You're on a Budget and Only Need the Basics
If you're just looking for affordable dental coverage for cleanings, exams, and the occasional filling - and want to keep your monthly cost low.
Recommended Plan: BlueDental Care (Prepaid Plan) - An affordable dental plan with $12–$16 monthly premiums, low copays for preventive care ($0–$5), basic services ($25–$45), and major services like crowns ($250-$400).
Why It Works: For under $15/month, you’ll get the preventive care you need and fixed, upfront prices for more serious work—without dealing with deductibles or benefit caps.
Scenario: You Travel Often and Want Flexibility
If you spend time in multiple states or travel frequently, you’ll want a plan that gives you nationwide access to providers and protection against major out-of-pocket costs.
Recommended Plan: BlueDental Choice PPO Standard - Premiums of $35–$45/month includes 100% coverage for preventive care, 80% for basic services, and 50% for major services. Annual maximum ranges from $1,000–$1,500 with rollover options, and a $50 yearly deductible.
Why It Works: You’ll have the freedom to use providers across the country and get strong support for major procedures like crowns, root canals, or dentures—without network restrictions.
Scenario: You Have a Teen Who Needs Braces and Ongoing Dental Care
You're a parent managing preventive visits for the whole family, but your teen has an orthodontic consult coming up soon - and you're anticipating a major bill.
Recommended Plan: Florida Blue - BlueDental Choice PPO Plus (with Orthodontic Add-On): A great fit for families managing braces + regular cleanings, fillings, and the occasional dental emergency.
Why It Works: Includes orthodontic benefits for dependents, with up to a $1,000 lifetime maximum, offers 100% preventive care, 80% basic, and 50% major coverage - perfect for fillings, extractions, and crowns that might come up during treatment.
Scenario: You Want Predictable Costs and Might Need a Crown
You’ve had dental work in the past and suspect a crown or oral surgery might be coming, but you want to know your exact out-of-pocket costs before sitting in the chair.
Recommended Plan: Florida Blue – BlueDental Choice Copayment Plan: A great fit for adults or seniors who expect to need more than cleanings but want transparent, consistent costs for bigger procedures.
Why It Works: Fixed copayments instead of unpredictable percentage-based coverage - so you know upfront that a crown might cost $250–$400, and a filling might be $25–$50. Still a PPO plan, so you don’t lose provider flexibility.
Scenario: You’re Retired or Managing a Chronic Condition
You’re retired, living on a fixed income, and also managing a health issue like diabetes or heart disease. You know oral health is tied to overall wellness, and you want extra support from your dental provider.
Recommended Plan: Florida Blue – Any PPO Plan with the “Oral Health for Overall Health” Program: A great fit for seniors or individuals with chronic conditions who want proactive dental care as part of their total health plan.
Why It Works: Includes a unique Oral Health for Overall Health program that gives members with certain chronic health conditions extra cleanings, periodontal services, and oral cancer screenings at no extra cost. Plans also offer 100% preventive care and strong coverage for fillings, root planing, or extractions - all of which are often needed with chronic health issues.
Scenario: You Want a Budget-Friendly Plan That Still Covers Fillings
You’re healthy, only go to the dentist twice a year, but want to make sure fillings or the occasional extraction won’t break the bank. You’d also prefer not to deal with deductibles.
Recommended Plan: Florida Blue - BlueDental Care (Prepaid HMO-Style Plan): A great fit for people on a tight budget who just want reliable coverage with zero surprises and low monthly costs.
Why It Works: Plans start at just $10–$25/month, and there’s no deductible or annual maximum to worry about. You pay set copays - often just $0–$5 for cleanings, $25–$45 for fillings, and affordable fees for extractions and crowns. No waiting periods, and coverage is active right away when you see your assigned in-network dentist.
Scenario: You Need Work Done Right Away - No Waiting
You’ve been putting off dental care, and now you’ve got multiple urgent needs: possibly a tooth extraction, a filling, and a crown. You can’t afford to wait six months or more for coverage to kick in.
Recommended Plan: Humana Complete Dental Plan (with Ameritas Boost as a strong second option): A great fit for people who need immediate care and can’t afford to delay major procedures.
Why It Works: No waiting period on major services like extractions and crowns under Humana Complete. Humana offers 100% preventive, and covers basic + major care right away. Ameritas Boost has very short waiting periods (if any), with coverage that increases over time and includes orthodontic benefits.
Note: Florida Blue’s PPO plans typically do have waiting periods for major services — so if time is of the essence, Humana or Ameritas are better options here.
Bottom Line
Before picking a dental insurance provider, consider your specific dental needs. Some people might just need basic services like cleanings and check-ups, while others might need more involved treatments like root canals or dentures.
If you need assistance in comparing dental plans, feel free to contact us. We’re here to help!
FAQs
Most Ameritas dental plans have zero waiting periods for preventative, basic, and major services.
A routine cleaning usually costs $75-$200 without insurance, depending on your location and provider.
Monthly premiums for a dental insurance plan can range from $19 - $75 per month.
Ameritas offers an online enrollment system, and you can also manage your billing online.
Delta Dental has the largest provider network in Florida.
With over 16 years of experience, Matt Kiggins is a senior editor at Florida Insurance Guide. He provides detailed advice on Florida Medicare, life insurance, and dental coverage across forty states. As an reputable authority in the industry, Matt specializes in health plan selection. He holds a resident 2–15 Florida Health & Life Agent License(# P116762) and is a co-founder of Policy Guide, an insurance agency in Pensacola, FL.
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