Dental Insurance

Dental Insurance and Dental Savings Plans

Get help comparing affordable dental insurance and dental savings plan options for individuals and families throughout Florida.

Regular dental care plays an important role in protecting your overall health, but choosing the right way to pay for that care can be confusing.

Ildiko Insurance Advisors provides personal guidance to help you understand the differences between traditional dental insurance and discount dental savings plans. We’ll help you compare available options, so you can choose a plan that fits your dental needs, preferred providers and budget.

Traditional Dental Insurance Plans

Dental insurance can help with the cost of preventive care and other covered dental services. Depending on the plan, coverage may include routine exams, cleanings, X-rays, fillings and certain major dental procedures.

Ildiko Insurance Advisors can help you explore traditional dental insurance plans available through:

Aetna®

Dental insurance options for individuals and families, subject to plan availability and eligibility.

Humana®

Dental plans offering a range of coverage options based on your needs, location and eligibility.

UnitedHealthcare®

Individual and family dental insurance options with plan benefits and provider networks that vary by location.

Premiums, deductibles, copayments, waiting periods, annual benefit limits and participating provider networks vary by plan. We’ll help you review these details before you make a decision.

A dental savings plan is an alternative to traditional dental insurance. It is not insurance.

With a dental savings plan, you pay a membership fee and receive access to discounted rates from participating dental providers. Instead of submitting insurance claims, you pay the participating dentist directly at the reduced rate established by the plan.

Depending on the plan, possible advantages may include:

• Simple enrollment
• No insurance claim forms
• No annual insurance benefit maximum
• No health restrictions
• Savings on participating dental services
• Access to a nationwide network of participating dentists

Discounts, fees, services and participating providers vary by plan. Always confirm that your preferred dentist participates before enrolling.

The right choice depends on the care you expect to need, your preferred dentist, the participating provider network and the cost and benefits of each option.

Traditional dental insurance may be appropriate if you prefer defined covered benefits and are comfortable with the plan’s premiums, deductibles, waiting periods and annual limits.

A dental savings plan may appeal to someone who wants a more straightforward way to receive discounted rates from participating dentists without filing insurance claims.

Ildiko can explain the available options and help you determine which type of plan may be a better fit for you or your family.