Best Dental Insurance Companies in Florida

DentaQuest has cheap plans that still give you good coverage. The company sells three plans in Florida: two options for adults or families and one that's just for kids.

If you just need coverage for yourself, you can choose between DentaQuest's high- or low-coverage plans. The high-coverage plan costs $13 per month, while the low-coverage plan costs $9 per month.

With both plans, DentaQuest pays for the entire cost of things like your twice-yearly dental exam and cleanings, which are considered preventive care.

With the high-coverage plan, you have to pay a $50 deductible and then between 20% to 50% of the cost for major dental work or restorative care, like crowns and root canals.

With the low-coverage plan, you'll have to pay more after you hit the $50 deductible. After that, you'll pay 60% of the cost for dental care if you're under 19, and half if you're over 19.

DentaQuest's plans don't usually cover orthodontics like braces. You might have coverage for orthodontic care that is medically necessary, but only if you're under 19. If you or your child needs braces, consider a plan from Delta Dental instead.

Humana has great customer service for its dental plans. If you need a lot of dental care or need dental care frequently, choosing a company with good service can be a good idea. Because you're filing more claims, you may need to talk to your company more often to coordinate your insurance coverage.

Humana sells three dental plans in Florida: a high-coverage option, a low-coverage option and what it calls a "Lite" plan. All the plans cover the full cost of preventive care if you stay in the plan's network.

With the low-coverage plan, you have to pay 40% of the bills for things like fillings and tooth extractions after you meet your deductible, and you need to have the policy for six months before you have coverage.

With the high-coverage plan, you only pay 30% of bills for the same care, although you still need to have the plan for six months first. You'll also have coverage for major dental work, like root canals and crowns. You'll pay 60% for the cost after you've met your deductible, but you have to have your plan for a year before you have coverage.

The Lite plan only covers preventive and diagnostic care for adults; you have to pay for any restorative or major dental work yourself. It's only a good idea if you don't need much dental care.

None of Humana's dental plans in Florida cover orthodontia for adults. Orthodontia is only covered for kids if it's needed to repair a cleft palate or damage caused by a cleft palate. This is because children under age 19 have limited coverage for "medically necessary" treatment, but you'll have to pay half the cost no matter what plan you have.

Delta Dental is a better option for orthodontic coverage. And while Humana's rates are about average, they're still higher than rates from some companies, like DentaQuest.

Delta Dental sells two plans that cover orthodontia for adults and kids. The Basic plan costs $11 per month, on average, and the Preferred plan costs an average of $23 per month.

With both plans, you'll pay $350 toward the cost of orthodontic treatment for kids and $3,250 toward the cost of treatment for adults.

Neither plan has a deductible for dental care, which means your coverage at the dentist starts right away. You'll pay more each month for the Preferred plan, but less when you get dental care. For example, you'll pay $5 for an office visit with the Preferred plan but $20 with the Basic plan.