Best Dental Savings Plans in Florida

Choosing a dental savings plan can get confusing. Still, if you’re looking for a budget-friendly way to cut your dental service fees, these membership programs can take the sting out of your dental bills. They offer discounts on dental services, along with several other perks like having no deductibles, waiting periods or annual maximums. Find out what’s available from the best dental savings plans in Florida. 

Quick Look: Best Dental Savings Plans in Florida

• Best for Care Coordinator: Smart Health Dental
• Best for Comparative Plans: DentalPlans.com
• Best for Dental App: Delta Dental
• Best for Seniors: Humana
• Best for Orthodontics: Cigna
• Best for Discount Plan at a Monthly Fee: Aetna

6 Best Dental Savings Plans in Florida

If you’re looking for a good dental savings plan, you should find a what you’re looking for amongst the best dental savings plans in Florida

Best for Care Coordinator: Smart Health Dental

Smart Health Dental offers 10% and 50% discounts for the network provider services. These discounts also apply to dental braces, which are not covered by Smart Health insurance. On this plan, you’ll have your choice of more than 200,000 service providers as well as several optometrists in the network, so members can also receive vision services discounts. There is a choice of five plans including one targeting senior citizens.

Smart Health Dental employs a care coordinator to help users find cost-effective networked service providers. The coordinator will also schedule appointments if you require them. Use your dental discount card to receive the discount when you use the service. Review the plan structures and services online. 

Best for Comparative Plans: DentalPlans.com

DentalPlans is a specialist dental discount supplier with more than 25 dental discount plans to choose from. The company sells plans from many of the biggest, most trusted brands. Use the website to compare plans and benefits, some of which also include vision, chiropractic and other services. Some plans also offer discounts on cosmetic dentistry and chiropractic services. With more than 140,000 dental service providers in its network, DentalPlans boasts an average saving of 50% on dental services. Buy the plans via customer service or buy directly online

Best for Dental App: Delta Dental

Delta Dental Patient Direct offers users a network of dentists offering rates discounted by up to 50%. You pay the discounted fee when you receive the service from a network. There are no claims to file, so your plan is easy to manage. Include DeltaVision as part of the plan for discounts on eye tests, glasses, laser vision and more. Manage your dental plan with the Delta Dental app and choose from a network of more than 150,000 dental providers.    

Best for Seniors: Humana

Operating since 1963, Humana has offered health, vision, dental and life insurance. Users have a choice of five dental plans to benefit from dental service discounts of up to 50%. The size of the discount depends on the plan you’ve chosen. There are more than 270,000 participating dentists, so you should find one close to you. Humana also has specialist plans for senior citizens.  

Best for Orthodontic Services: Cigna 

With more than 88,000 dental service providers in their network, you should find a dentist to suit your needs. The service is not available in every state. You’ll get up to 40% in discounts on dental services, including dentures and orthodontics through Cigna. You’ll save on average 35% on any dental services you use, Cigna offers dental plans tailored to the needs of individuals, families and seniors. Apply online using your zip code. 

Best for Discount Plan at a Monthly Fee: Aetna

Offering up to 64% discounts on fillings and crowns, Aetna gives users access to 131,000 dental service providers. For a fee, you can add pharmacy and vision benefits and buy generic medicines for savings of up to 60%. Aetna offers family and individual plans for an annual or monthly fee. Contact customer service via phone or online messaging. Aetna employs the services of more than 420,000 dental providers. 

What is a Dental Savings/Discount Plan? 

A dental savings plan, also known as a dental discount plan, is a membership program. Members have access to reduced rates of dental services within a network. There are deductibles, maximums or waiting periods. Usually, dental savings plans don’t exclude existing conditions. A dental plan is not a dental insurance plan. Members are responsible for service provider payments. A dental savings plan is considerably cheaper than dental insurance.  

How Does a Florida Dental Savings Plan Work?

To join a dental savings plan:

• Research and compare available plans with costs and benefits.
• Choose a plan to suit your dental health needs.
• Pay an annual membership fee to join a dental savings plan

Once you are a member:

• Schedule an appointment with in-network dental health providers
• Receive a discount before paying the dentist directly when you visit. 

Let's assume that you want a dental savings plan because you don't have dental insurance and want to save on routine cleanings. Here's what might happen:

• Choose a plan: Do some online research and find a dental savings plan. The plan costs $120 per year and offers discounts on cleanings, X-rays, fillings and more.
• Enroll and visit a dentist: You enroll online and receive your membership card. You schedule a cleaning with a dentist from the plan's network.
• Discounted cleaning: You show your membership card to the dentist. The cleaning price is $100, but with the plan discount, you pay $70.

Dental Savings Plan vs. Dental Insurance

Whether a dental savings plan or dental insurance is better for you depends on your dental health and requirements. If your emphasis is on preventative care, dental insurance may be the better option for you. 

How Much Does a Dental Discount Plan in Florida Cost?

A dental discount plan in Florida costs as little as $100 per year for an individual and $150 per year for a family 

Pros and Cons of Getting a Dental Discount Plan in Florida

Dental discount plans have several benefits, but there are also downsides. 

Pros

• Budget friendly: Dental discount plans cost less than dental insurance plans.
• No deductibles: Dental insurance plans have deductibles. This is the amount the insured person must pay out of pocket before the coverage kicks in. Dental plans do not include deductibles. 
• No waiting periods: Unlike insurance, the dental plan takes immediate effect. 
• No annual maximum: There is no maximum dental usage in any period. 
• Flexible: Dental plans are good options for people who want some dental coverage but are less concerned about regular dental care. 

Cons

• No preventative care coverage: Where most insurance will cover the full cost of preventative, dental discount plans may not. Check your plan carefully for coverage details. 
• Limited to in-network dentists: Dental discount plans contract with dentists to provide care. Plan users must use the in-network dentists for treatment. 
• Savings differ: The amount you save may vary depending on where you are, the procedure and the provider.

Dental Discount Plans Take the Sting Out of Service Fees

Dental discount plans are ideal for people who do not have dental insurance and want some financial relief from the cost of dental services. These plans offer discounts on procedures and preventative care, and they are considerably less expensive than dental insurance. You don’t need to worry about waiting time, deductibles or an annual maximum.

Frequently Asked Questions