Find the Best Dental Insurance in Tallahassee, FL

How to choose dental insurance in Tallahassee

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?

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?

• 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.