Oral and general health have a direct connection. To maintain healthy teeth and gums, many people carry dental insurance, which covers preventive care and common treatments and procedures. Our partners at ConsumerAffairs researched the best dental insurance in Fort Myers so you find an affordable plan suitable for your oral health care needs.
Dental care is expensive. A visit for regular preventive care, including an exam, cleaning and X-rays, can be several hundred dollars. Basic and major services — fillings, crowns, bridges, dentures — are significantly more.
Dental insurance in Fort Myers decreases your responsibility for these costs, making it financially easier for you to get care. Most plans pay for 100 percent of preventive services — or close to it — helping you stay in good oral health and catch problems before they become more expensive to treat.
A majority of people with dental benefits get coverage through an employer. About 7 percent buy their own plan through the private marketplace, according to the National Association of Dental Plans.
Anyone who doesn’t have dental benefits in Florida should consider signing up for a plan, since dental care is essential at all stages of life. The Florida Department of Health links poor oral health with heart and lung disease, diabetes, stroke, respiratory illness and adverse birth outcomes.
What are the types of dental insurance in Fort Myers?
When shopping for dental insurance in Fort Myers, you’ll come across three main types of plans: preferred provider organization (PPO), health maintenance organization (HMO) and indemnity, or fee-for-service. Here’s how they differ:
Most popular type of plan; includes a deductible and coinsurance for basic and major services; annual maximum limit applies; lower rates at in-network dentists
Least expensive type of plan; restricted network of dentists; you make copayments for services; no deductible or annual maximum
Most expensive type of plan; freedom to choose any dentist; includes a deductible and coinsurance for basic and major services; annual maximum limit applies
Be on the lookout for waiting periods. Dental insurance in Fort Myers usually covers preventive care right away but requires monthslong waiting periods for basic and major services. That’s why it’s best not to wait until you have an urgent oral health care need before buying a plan.
If you can’t afford to wait, you may be able to find a plan with immediate coverage. Or you can consider dental savings plans in Fort Myers, which are less expensive than insurance. Members pay an annual fee and get discounts within a large network of dentists. But dental savings plans have no cost-sharing; you are responsible for 100 percent of the bill after discounts are applied.
How much does dental insurance in Fort Myers cost?
The cost of dental insurance in Fort Myers depends on several factors:
Age(s) of the insured
Tobacco habits of the insured
Type of plan
Number of covered individuals
If you’re buying individual coverage expect to pay $12 - $45 per month. For a family of four, monthly premiums are $40 - $150. Dental savings plans start at $100 per year for an individual and $150 for a family.
Whether you choose dental insurance or a dental savings plan, don’t sign up without reading over the terms closely, including any exclusions or limitations. Have a good understanding of which dentists you can see, your out-of-pocket costs for different types of services and how the claims process works.
1Dental.com offers two dental savings plans for Fort Myers customers, allowing you to save up to 60 percent at hundreds of area dentists. Discounts also apply for orthodontics, cosmetics, eyewear and contact lenses. There are no restrictions for preexisting conditions and no waiting periods. Reviewers in Fort Myers say they’ve paid substantially less on all types of dental services.
Join a dental savings plan from DentalPlans.com and start saving 10 - 60 percent on services at a nationwide network of over 100,000 dentists. Members don’t have to worry about deductibles, annual limits or waiting periods. Fort Myers customers appreciate how DentalPlans.com matches competitors’ prices and lets you switch plans anytime.
Dental insurance from UnitedHealthcare covers preventive services with no deductible or waiting period and gives you access to a network of over 85,000 providers. Multiple plans and levels of coverage are available, no matter your age. You don’t need health insurance from this company to get a dental policy. Fort Myers customers like being covered for a long list of dental treatments and procedures.