Find the Best Dental Insurance in West Palm Beach, FL

How to choose dental insurance in West Palm Beach

Going to the dentist regularly for exams and cleanings is essential for your gums, teeth and overall health. But about 1 in 4 Americans lacks dental benefits. Research shows these individuals are less likely to schedule an appointment and get necessary dental care.

If you don’t have dental benefits through an employer or a public program, there are still private plan options in South Florida that will lower your out-of-pocket costs at high-quality dentists in West Palm Beach.

Dental insurance works similarly to health insurance in many ways. It puts a heavy emphasis on preventive care, covering these services at 100 percent or close to it, so you get checkups often and catch problems before needing more complicated and expensive procedures and treatments.

If you do end up needing so-called basic services (e.g., fillings, simple extractions, emergency pain relief) or major services (e.g., crowns, implants, dentures), you typically make a fixed payment (copayment) or pay a percentage of the cost of service (coinsurance), and the insurance company pays the rest. Many plans have a deductible before coverage kicks in.

Types of dental insurance in West Palm Beach

Most dental insurance in West Palm Beach has waiting periods of six to 12 months for basic and major services, so you shouldn’t wait until you need coverage before purchasing a plan.

Some policies may not have waiting periods, or you can consider dental savings plans in West Palm Beach as an alternative. You pay a monthly or annual fee and get discounts from a large network of dentists. There are no waiting periods, no deductibles and no annual caps, but you are responsible for 100 percent of the discounted cost of services.

Cost of dental insurance in West Palm Beach

The cost of dental insurance in West Palm Beach depends on your age, tobacco habits and the type of plan you select. Policies are available to cover individuals, spouses and children.

Individual dental insurance in West Palm Beach costs anywhere from $15 - $60 per month. A family of four will pay $45 - $200.

Dental savings plans in West Palm Beach begin around $100 per year for an individual and $150 for a family.

Compare different dental insurance and dental savings plans before deciding on a purchase. Read over the fine print for exclusions and limitations. Try to forecast dental needs over the coming year so you make the cost-effective choice for your circumstances.