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Best Dental Insurance in Tallahassee, FL

Aug. 15, 2019, 8:17 p.m.

Dental bills can escalate into hundreds or thousands of dollars when you need more than just routine cleaning. Good dental insurance providers respond to claims quickly and help cover these expenses with reasonable deductibles. Our partners at ConsumerAffairs researched the best dental insurance in Tallahassee so you can get needed dental work without fearing the cost.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC 27 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
1Dental.com

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#1 MOST POPULAR
1Dental.com
1Dental.com
Features
  • Care at 15 - 60% lower prices
  • No deductibles
  • All dental conditions accepted
  • Unlimited annual use
Read More
Location
Services available in
Tallahassee, FL
(800) 372-7615
#2
DentalPlans.com
DentalPlans.com
Features
  • Calculate your savings online
  • No caps, limits or waiting to get care
  • Save 10 - 60% on most procedures
  • 30+ dental savings plans
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Location
Services available in
Tallahassee, FL
(888) 632-5353
#3
UnitedHealthcare
UnitedHealthcare
Features
  • Calculate your savings online
  • Access to 85,000 dentists
  • Save 10 - 60% on most procedures
  • No age restrictions
Read More
Location
Services available in
Tallahassee, FL
(888) 632-5353

How to choose dental insurance in Tallahassee

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Regular dental visits are essential to keep your teeth and gums healthy. According to the American Dental Association, 40 percent of adults who skipped out on going to the dentist in the past year did so because of the cost.

Delaying preventative maintenance appointments or treatment for dental problems can lead to severe issues requiring tooth extractions or major dental procedures. Studies have shown that poor dental care can lead to other health issues, including heart disease and bacterial infections in the blood.

How much does dental insurance cost in Tallahassee?

Many Tallahassee residents have dental plans through their employer. If your employer doesn’t offer this benefit, companies sell private dental insurance policies for an average of $20 to $60 per family member each month. Private individual insurance plans usually have a 12-month minimum contract and six- to 18-month waiting periods for major procedures.

Children and aging adults may benefit the most from having dental insurance. Whether dental insurance is a good value for you depends on:

  • The current condition of your teeth
  • How well you care for your mouth
  • Your risk for hereditary oral health issues such as periodontal disease, tooth decay and teeth misalignment

What types of dental insurance are available in Tallahassee?

Dental plan type Major considerations
Dental health maintenance organizations (DHMO)
  • Must use a network dentist for coverage
  • Lower premiums
  • No annual maximums
  • Copayments are based on specific fees listed on the schedule of benefits
Dental preferred provider organizations (DPPO)
  • Can use out-of-network dentist, but costs more than in-network dentist
  • Users pay coinsurance, which is a percentage of a negotiated fee
Indemnity plans
  • Can choose a dentist of your liking
  • Pay full price upfront, with expenses reimbursed after filing a claim
  • Higher premiums than dental HMO or dental PPO

Another popular way to receive affordable dental care in Tallahassee is through a dental savings plan. These plans are generally less expensive than insurance and provide discounts from dentists within the participating network for an annual fee. These plans are not the same as insurance — there are no claims, deductibles or copays, and participants receive a discount when paying for services out of pocket.

What does dental insurance cover in Tallahassee?

Dental insurance in Tallahassee typically has what's referred to as "100-80-50" coverage, which means the provider pays for:
  • 100 percent of the cost for routine preventative and diagnostic care
  • 80 percent of the expense for basic procedures such as cavity fillings and root canals
  • 50 percent of major procedures such as crowns, bridges and extractions

Annual deductibles may be as low as $50 or $100 per year, but some dental plans have caps on the maximum amount they cover each year. These limits are usually between $1,000 to $2,000 for most dental insurances. You are responsible for all dental expenses beyond those limits.

Dental insurance in Tallahassee typically does not cover braces and cosmetic procedures, but you may be able to receive a discount on these treatments with a discount dental plan. These plans complement dental insurance plans and supplement what your dental insurance doesn’t cover. Some even give you savings on pre-existing conditions.

1Dental.com

1Dental.com

Choose between two dental savings plans in Tallahassee from 1Dental.com and save on every dental visit. There are no restrictions for preexisting conditions and no deductibles or annual maximums. Members also get discounts on orthodontics, cosmetics and even eyewear and contact lenses. Customers like being able to try a plan risk-free for 30 days.

DentalPlans.com

DentalPlans.com

Since 1999, DentalPlans has helped more than 1 million customers save on dental costs. In Tallahassee you can choose from over 20 savings plans that offer discounts of 10 - 60 percent on dental services. There are no limitations for preexisting conditions and no waiting periods. Customers like how DentalPlans.com matches competitor prices and lets members switch plans anytime.

UnitedHealthcare

UnitedHealthcare

UnitedHealthCare, one of the largest health insurance companies in the U.S., also offers stand-alone dental coverage. After inputting information, you’ll see policy options for all needs and budgets. Plans cover preventive care with no deductible or waiting period and pay for a share of basic and major services. Customers say they feel protected with dental insurance from UnitedHealthcare.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.