Best Dental Insurance Providers in Florida: Ameritas Wins
I've worked with many dental insurance providers in Florida, and I'm confident that Ameritas Dental is the best pick for 2025 due to their:
- Comprehensive coverage - including preventative, basic, and major care
- High annual maximums - up to 60% higher than many competitors
- Low monthly premiums - plans starting at $25/month
I'll also go over some other popular dental providers in Florida, like Delta Dental, Cigna, and Humana.
Let's jump right in and start with reviewing Ameritas in more detail.
1. Ameritas Dental – Best Overall in Florida
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.
Why it’s #1 in Florida: high annual maximums, no waiting periods, and comprehensive coverage.
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 my top pick 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.
To give you a full view of what Ameritas offers, let's compare other popular dental providers. We’ll consider factors like coverage, cost, and waiting periods.
2. 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
Why it’s popular in Florida: extensive network of providers.
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 offers more flexibility and value, especially with no waiting periods for most services and higher annual maximums that increase over time.
For comprehensive coverage right from the start, Ameritas is a far better choice.
3. Cigna Dental
Available Plans in Florida:
- Dental Preventive Plan: $19/month, covering only preventive care with no out-of-pocket max
- Dental 1000 Plan: $33/month with a $1,000 annual max, covering preventive and basic services
- Dental 1500 Plan: $39/month with a $1,500 annual max and coverage for orthodontia
Why it’s a top pick in Florida: affordable premiums and a large network of dentists.
Key Features of Cigna Dental Plans:
- Affordable options including the Preventive Plan at only $19/month
- A dependable provider with over 18 million dental insurance members
- One of the largest dental networks
- Offers options to bundle vision and hearing coverage
Below are the details of Cigna’s most popular plans in Florida for 2025.
Cigna Dental 1000 Plan
The Cigna Dental 1000 is perfect if you're after basic coverage. It averages about $33 a month and includes free routine check-ups.
Just be aware that dental implants aren't covered and dentures are only covered at 50%. Plus, orthodontic services and teeth whitening aren't included in this plan.
- Monthly Premium: $33.00
- Annual Maximum: $1,000 per person
- Annual Deductible: $50 per person, $150 per family
- Coverage:
- Preventive Care: 100% coverage for cleanings, exams, and X-rays
- Basic Care: Coverage includes services like fillings and simple extractions
- Major Care: Covers more extensive procedures such as crowns, root canals, and dentures, though it does not include orthodontics
Cigna Dental 1500 Plan
The Cigna Dental 1500 plan is better for families needing more comprehensive coverage. With an average monthly premium of $39, you'll get routine check-ups, cleanings, and X-rays for free. The plan includes a $1,500 annual maximum for both minor and major procedures like fillings, crowns, and root canals.
- Monthly Premium: $39.00
- Annual Maximum: $1,500 per person
- Annual Deductible: $50 per person, $150 per family
- Coverage:
- Preventive Care: 100% coverage for exams, cleanings, and X-rays.
- Basic Care: Includes fillings, simple tooth extractions, and other restorative procedures.
- Major Care: Coverage for crowns, root canals, dentures, and other significant dental procedures.
- Orthodontics: Coverage is generally 50%, though details depend on plan specifics.
Cigna Dental Preventive Plan
For those on a tight budget, Cigna’s Dental Preventive Plan provides cost-effective coverage with monthly premiums starting at just $19. This plan covers routine dental check-ups, including cleanings and x-rays, at no additional cost. There are no deductibles or maximums.
- Monthly Premium: $19.00
- Annual Maximum: No annual maximum
- Annual Deductible: None
- Coverage: Preventive care only, 100% coverage for routine cleanings, exams, and X-rays
Summary
Cigna's dental insurance is a good option for people who need basic preventive care. It offers low premiums for plans that include coverage for many common restorative services.
However, Cigna's plans may not cover certain procedures, such as implants, and there may be a 6-12 month waiting period for some services.
If lengthy waiting periods are a dealbreaker for you and you're okay with spending just a bit more on your monthly premium, I would recommend considering Ameritas instead.
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
Why Humana is popular: lowest monthly premiums.
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 1: Ameritas PrimeStar® Lite
Let’s say you choose the PrimeStar® Lite plan for its affordable $25 per month premium. With 100% coverage for preventive services like cleanings and check-ups, you can maintain your oral health without any out-of-pocket costs for routine visits.
If you need a filling that costs $200, the plan covers 50%, so your out-of-pocket cost is $100. The plan is a great fit if you're focused on preventive care and occasional minor treatments.
Annual Cost: Premiums: $300 ($25 x 12 months) | Filling: $100 (after insurance) = Total: $400
Annual Maximum: $750 (you used $200, leaving $500 available for further treatments)
Scenario 2: Ameritas PrimeStar® Boost
Suppose you enroll in the Ameritas PrimeStar Boost Plan for roughly $50 per person per month. If you're covering a family of four, that totals $200/month. The plan offers 100% coverage for preventive care, ensuring that all routine check-ups and cleanings are fully covered without any additional costs.
When someone in your family needs a filling that costs $250, the plan covers 80%, so you only pay $50. If a family member requires a crown costing $1,000, the plan’s 50% coverage for major procedures reduces your out-of-pocket cost to $500.
Additionally, if your child needs braces, which cost $4,000, the plan provides 50% coverage for orthodontia, meaning you only pay $2,000. Importantly, the annual maximum benefit of $2,500 ensures that you’re well-covered for extensive treatments.
Scenario 3: Ameritas PrimeStar® Complete
Let’s say you and your spouse enroll in the Ameritas PrimeStar® Complete plan for $57 per person per month, totaling $114 per month or $1,368 per year for both of you. The plan offers 100% coverage for preventive care, so routine check-ups and cleanings are fully covered with no out-of-pocket costs.
When one of you needs a filling costing $300, the plan covers 80%, leaving you to pay just $60. For more complex procedures, like a crown costing $1,200, the plan covers 50%, meaning you pay $600. If one of you needs dentures costing $3,000, the plan covers 50%, reducing your out-of-pocket expense to $1,500.
With an annual maximum of $3,000 per person, the plan provides comprehensive coverage for both routine and major dental needs.
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.
Ameritas offers the most comprehensive coverage for dental insurance in Florida.
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.
Or enter your zip code to shop online
