Insurance these days does not cover everything, making it difficult for many to access proper healthcare. This is especially true for dental implants, which many insurance companies refuse to cover due to the high costs involved.
It’s crucial to find an insurance plan that provides a comprehensive experience, covering not just the basics but also other vital necessities. In this article, we’ve compiled a list of the best dental insurance options in Florida that include coverage for implants.
Dental insurance in Florida that covers implants
1. Spirit Dental
| Spirit Core PPO | Spirit Pinnacle PPO | Spirit Senior Preferred PPO |
| $1,200 | up to $5,000 | up to $3,000 |
| 25% 1st year major coverage | 25% 1st year major coverage | 20% 1st year major coverage |
| Implant coverage | Implant coverage | Implant coverage |
| Child ortho included | Child ortho coverage | Hearing benefits |
| No waiting periods | No waiting periods | No waiting periods |
| $28.88/mo | $38.88/mo | $36.28/mo |
Pros and Cons
| Pros | Cons |
|---|---|
| Implant coverage across all plans | Varied coverage percentages based on plan year |
| Options for children’s orthodontics | |
| No waiting periods for any plan |
Verdict
Spirit Dental seems like a dream come true for those seeking straightforward and immediate coverage. Their plans are not just spirits; they’re guardian angels for your oral health.
2. Denali Dental
| RIDGE PLAN 750/1500/2000/2500 | SUMMIT PLAN 1200/2000/3500/6000 |
| MONTHLY CHARGE | MONTHLY CHARGE |
| $38.04/MO | $57.98/MO |
| 4 cleanings & 2 exams per year | Adult and Child Orthodontia |
| 10% 1st year basic & major coverage | 30% 1st year basic & major coverage |
| No waiting periods | No waiting periods |
| up to $2500 (max benefit) | up to $6000 (max benefit) |
They also offer Additional Plan Benefits like:
- $6000 annual maximums
- Four cleanings per year
- Implants and major services are covered
- No waiting periods
- The ability to choose your own dentist
- Child and adult orthodontics
Pros & Cons
| Pros | Cons |
|---|---|
| Up to $6000 annual maximums | Initial basic and major coverage is limited |
| Four cleanings per year | |
| Child and adult orthodontics coverage |
Verdict
For those planning to stick around for the long haul, Denali Dental could be your Sherpa, leading you to the zenith of dental care without the cliffhanger of waiting periods.
3. Ameritas
| Feature | PrimeStar® Access | PrimeStar® Total |
|---|---|---|
| Monthly Premium | $46.52 | $55.52 |
| Deductible | $50 | $50 |
| Maximum Benefit | up to $2,000 | up to $2,500 |
| Waiting Period | No waiting periods | No waiting periods |
| Major (Type 3) Covered Services | Crowns Root Canals Oral Surgery Dentures Bridges Panoramic X-rays Implants Periodontics Teeth Whitening | Crowns Root Canals Oral Surgery Dentures Bridges Panoramic X-rays Implants Periodontics |
Pros & Cons
| Pros | Cons |
|---|---|
| Full coverage for preventive care | Waiting periods may apply |
| Large network of dentists | |
| High annual maximums on many plans |
Verdict
For a stalwart defense against oral health woes, Ameritus is a time-honored ally. Just be mindful of the waiting periods that may apply for some procedures.
4. Alfac
- Deductible that decreases over time.
- Calendar year 1: $75/person.
- Calendar year 2: $50/person.
- Calendar year 3+: $25/person.
- No waiting period for preventive dental care.
- Annual maximum benefit increases over time.
- Plans available with vision and hearing services.
- Reduced costs for using in-network providers.
Pros & Cons
| Pros | Cons |
|---|---|
| Zero waiting period for certain services | May have waiting periods for complex procedures |
| Orthodontic benefits coverage | Limited information on plan specifics |
| Covers two cleanings and exams per year |
Verdict
If you’re looking for a trusty sidekick in your dental journey, Alfac could be your worthy comrade. It’s a solid plan, especially if you’re in immediate need of coverage without the dreaded waiting periods.
Frequently Asked Question
1. Does Medicare pay for dental implants in Florida?
Sadly, Medicare Part D does not provide these health benefits with their coverage. Not just implants, but they also do not cover dental procedures. But thankfully, their Medicare Part D does cover any medication prescribed to you because of getting dental implants.
2. How much do dental implants cost in Florida?
Dental implants can be pretty expensive in Florida, and a single tooth can be around $3000 to $6000.
Similarly, the implant-supported bridges can be around $4000 to $16,000.
3. Does dental implant surgery hurt?
Generally, the procedure does not hurt due to local anesthesia, although minor discomfort and stitching may occur post-surgery.
Best Option
After reviewing the available plans, Spirit Dental’s Pinnacle PPO emerges as a standout choice. It offers a generous annual maximum, immediate coverage with no waiting periods, and child orthodontic inclusion, making it an excellent option for comprehensive dental care. For individuals looking for high coverage limits and immediate benefits, Spirit Dental is a beacon in the landscape of dental insurance in Florida.
Wrapping it up
In the pursuit of the perfect smile and the ability to enjoy our meals without hindrance, dental implants come across as an indispensable option for many. The dental insurance plans available in Florida vary in coverage, premiums, and benefits, making the choice highly dependent on individual needs and circumstances. With options ranging from immediate coverage to high annual maximums, it’s essential to weigh the pros and cons carefully.