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Best Dental Insurance in West Palm Beach, FL

Nov. 19, 2019, 10:57 p.m.

No one looks forward to a dentist’s appointment, but it’s a lot easier to go if you have insurance. The benefits plan you select should cover preventive, basic and major services at an affordable monthly price. Our partners at ConsumerAffairs researched the best dental insurance in West Palm Beach for your oral and financial health.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WPTV 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
  • All dental conditions accepted
  • Unlimited annual use
  • Start saving today
Read More
Location
Services available in
West Palm Beach, FL
(800) 372-7615
#2
DentalPlans.com
DentalPlans.com
Features
  • Calculate your savings online
  • Works with quality providers
  • Save 10 - 60% on most procedures
  • No caps or limits
Read More
Location
Services available in
West Palm Beach, FL
(888) 632-5353
#3
UnitedHealthcare
UnitedHealthcare
Features
  • Plans for every need & budget
  • Access to 85,000 dentists
  • No age restrictions
  • Standalone dental coverage
Read More
Location
Services available in
West Palm Beach, FL
(888) 545-5205

How to choose dental insurance in West Palm Beach

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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

Plans Features
Preferred provider organization (PPO) Balances price and provider choice; in-network dentists have lower costs; a deductible and coinsurance apply to basic and major services; includes an annual maximum benefit
Health maintenance organization (HMO) Least expensive; benefits only apply to in-network dentists; copayments apply to basic and major services
Indemnity or fee-for-service Most expensive; freedom to choose any dentist; a deductible and coinsurance apply to basic and major services; includes an annual maximum benefit

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.

1Dental.com

1Dental.com

With a dental savings plan from 1Dental.com, you save 15 - 60 percent at hundreds of dentists in West Palm Beach. There are no restrictions on pre-existing conditions, and plans are immediately available for use. Discounts extend to orthodontics and even eyewear and contact lenses. Try membership out risk-free for 30 days. Customers say representatives at 1Dental.com are helpful with sign-up.

DentalPlans.com

DentalPlans.com

DentalPlans.com has provided over 1 million customers with dental savings plans since 1999. West Palm Beach shoppers can choose from multiple plans and start saving 10 - 60 percent at over 100,000 dentists across the U.S. Reviewers like how easy it is to enroll and say they are getting significant discounts in South Florida.

UnitedHealthcare

UnitedHealthcare

United Healthcare, a leading health insurer in the U.S., also offers stand-alone dental coverage. Plans for all needs and budgets are available and include no deductible or waiting period for preventive care. Basic and major services are covered, and policyholders can add a vision benefit. Members like the 100 percent coverage for exams and cleanings, but some are dissatisfied with claims denials.

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.