Small business owners in Florida: see what dental insurance costs in your state, and find out how to get it for you and your employees.
Florida dental insurance: should I offer it to my employees?
If you are a small business owner in Florida with fifty or fewer employees, you’re most likely not required to offer Florida dental insurance. But that doesn’t mean there’s no reason to offer Florida dental insurance. A few advantages to making the best dental insurance in Florida available to your employees include:
- If you paid for part of your employees’ dental insurance, you could itemize the cost of those premiums towards medical and dental deductions on your taxes.
- You might find that bringing in the best talent is going to require offering the best benefits. Providing the best dental insurance in Florida might motivate the talent to come to your small business.
- Fostering a sense of support within your small business by providing dental insurance could also keep employees motivated and willing to trust in your business.
PPO and HMO plans in Florida
An HMO or a DHMO (Dental Health Maintenance Organization) may be a more affordable Florida dental insurance option. With this plan, generally you pay less on premiums, but have to use dental professionals in the plan’s provider network.
A PPO (preferred provider organization) plan might be pricier, but it usually offers a lot more flexibility to those it covers. Employees have the option to pick a dentist that they want, possibly even a dental professional outside of the plan’s network (although out-of-pocket costs might be higher with an out-of-network dentist). Employees also won’t have to pick a primary care dentist, who they would have to go through first to get any referrals.
Understand that while looking for the best dental insurance in Florida, you should consider the differences in cost and quality. If you are seeing a plan with a very high premium with low deductibles, this might be good to offer for employees that need a lot of dental care and will benefit from the low out-of-pocket costs for each visit or procedure. Florida dental insurance could also have low premiums, which might also mean high deductibles. Factors like costs and employee’s needs might make “the best dental insurance in Florida” different for every small business. Make sure you check out quotes available on eHealth, so you can see what you’re getting for different prices from great insurance carriers in Florida.
Best dental insurance: Florida
The best-selling plans for Florida dental insurance at eHealth in 2018 are as follows:
- Multiflex Dental Classic 2000
Provider: Nationwide Life Insurance Company
- Dental Premier Elite SM
Provider: Golden Rule Insurance Company
- Dental for Everyone Platinum Plan
Provider: Delta Dental Insurance Company
- Loyalty Plus
- Master Plan
eHealth has a variety of carriers from which we offer quality dental insurance:
- Delta Dental Insurance Company
- Renaissance Dental
- Golden Rule Insurance Company
- Nationwide Life Insurance Company
- Independence American Insurance Company
As you might guess, there is a variety of opinions out there for ranking the best dental insurance in Florida. A great way to shop for Florida dental insurance and find the best plan for your business is to compare costs (like premiums, copayments, and deductibles) and perks of various plans.
Navigating options for the best dental insurance in Florida can be both stressful and confusing. eHealth has licensed agents available by phone and online who can help you see what fits your budget and the coverage needs of your employees. Finding the best dental insurance in Florida, should also mean finding the best dental insurance for you personally.