Florida Blue Dental Plans

Florida Blue Medicare Advantage Plans in 2025 provide various options to fit your lifestyle and budget. Discover the key features of each plan, understand the costs, and learn about the straightforward enrollment process, equipping you with the knowledge to secure the right coverage for you and your family.


Key Takeaways

  • Florida Blue offers a variety of dental insurance plans that include PPO and DHMO options, each with specific benefits such as 100% coverage for preventive care or fixed service costs without deductibles, catering to different needs and preferences.


  • Members benefit from choosing providers within the Florida Blue Dental network due to lower costs and quality care, and have access to online tools and customer support services to manage their dental care effectively.


  • Dental health is closely linked to overall health, with preventive dental care provided by Florida Blue Dental plans playing a crucial role in reducing the risk of various systemic diseases, and regular dental check-ups are recommended for maintaining optimal oral health.

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Understanding Florida Blue Dental Coverage Options

Florida Blue has tailored its dental insurance plans to meet diverse needs, offering a range of cost-effective options with comprehensive dental benefits for individuals and families.


Florida blue dental plans 2025



From preventive care to orthodontic treatment, the coverage varies depending on the chosen plan. Both PPO and DHMO plans are available, each with its own unique blend of benefits.

Florida Blue’s PPO dental plans are designed to provide extensive coverage, including:


  • 100% coverage for basic preventive care such as exams, cleanings, and X-rays
  • A wide network in Florida and nationwide
  • Some plans with no deductibles, no annual maximums, or no waiting periods
  • Additional benefits like oral cancer screening, adult fluoride treatment, and teeth whitening (covered under certain plans)
  • A two-year rate guarantee, which is particularly beneficial for new dental groups


On the other hand, Florida Blue’s DHMO dental plan, BlueDental Care, operates as a prepaid plan that offers services at fixed costs without deductibles or annual maximums.

Patients are required to choose a primary care dentist within the network, who will be responsible for providing all necessary care or making referrals to other specialists. The plan offers preventive services at minimal or no cost and discounted rates for other procedures.

The primary distinction between the PPO and DHMO dental plans lies in the cost and flexibility of services. DHMO plans generally provide dental services at a reduced cost with minimal or no copayments but require patients to utilize a pre-selected network of dentists.

Conversely, PPO plans offer greater flexibility, including out-of-network care options, but they might entail higher costs.


Navigating the Provider Network

Selecting a participating provider within the Florida Blue Dental network offers several perks, such as receiving high-quality care at a reduced cost, shorter wait times, and possibly $0 copayments.

This is because these dentists have a contractual agreement with the insurance company to deliver services at a discounted rate, leading to savings on dental care. Moreover, they are thoroughly evaluated by the insurance company to ensure that they meet specified quality criteria.

The Florida Blue Dental network includes a wide range of providers. You can ascertain whether your dentist is part of the network or select a new provider by using the search form on the Florida Blue Dental website.

If you wish to change your provider, that’s also possible. The provider change forms available on the Florida Blue Dental website can be used to update your provider status and become part of the network.

The quality of care for providers within the Florida Blue Dental network is evaluated through risk adjustment programs. By fostering relationships with physicians and healthcare providers, Florida Blue Dental is able to enhance the coordination and quality of care.


Financial Aspects of Dental Plans

Comprehending the financial aspects is a vital part of considering a dental insurance plan. In Florida, the determination of dental insurance premiums is influenced by factors such as the plan’s coverage, the annual maximum, and the out-of-pocket costs.

Out-of-pocket expenses denote the financial obligations that individuals have to bear when availing dental services. These obligations encompass deductibles, coinsurance, and copayments. Once the out-of-pocket maximum is reached, individuals are relieved from these expenses.

Opting for a participating dentist can mitigate out-of-pocket expenses, as these dentists have agreed to deliver services at a predetermined fee, thereby reducing costs for individuals.

The typical yearly maximum benefit for Florida Blue Dental Plans is $1,000, but it has the potential to increase to $2,000 over time through rollover.

The annual deductible also impacts the overall cost of the dental plans. This is because a percentage of the cost must be paid until the deductible is met. In addition, copayments may be applicable for certain Medicare Advantage plans.


The Synergy Between Oral and Overall Health

Good oral health goes beyond merely preserving a beautiful smile. There’s a substantial correlation between oral health and overall bodily health, making regular dental care imperative in safeguarding both aspects.


Florida blue dental ppo plans



You might be wondering, “How does oral health affect my overall health?” Well, evidence suggests a strong correlation between inadequate oral health and an elevated risk of cardiovascular disease and respiratory mortality.

Conditions like gum disease are closely associated with an increased risk of heart disease. Similarly, periodontal disease has also been linked to heart disorders.


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Enhancing Your Health with Preventive Dental Care

How to Enroll in Florida Blue Dental Plans

Eligibility for enrolling in Florida Blue Dental plans includes:


  • Being a Florida resident or a full-time/part-time student
  • Not having coverage under another dental insurance policy
  • Meeting certain benefit eligibility requirements


To participate in the Oral Health for Overall Health program, individuals must have at least one eligible condition.

The enrollment period for Florida Blue Dental plans generally runs from November 1 to December 15. During this time, interested individuals can visit the Florida Blue Dental website and complete the online application. The enrollment process can take up to a month, with a welcome letter sent via mail upon completion.


Florida blue dental providers



In case you need to modify or extend your Florida Blue Dental plan, you can utilize the provider change forms provided on the Florida Blue Dental website, or manage your account and make changes by contacting your agent or reaching out to Florida Blue Dental directly at 855-714-8894.

Keeping your practice information current is of utmost importance.


Dental health is a crucial aspect of overall well-being, and dental insurance plans, such as those provided by Florida Blue, make it easier to maintain good oral health. Florida Blue offers a variety of dental plans, including PPO and DHMO, each with its unique blend of benefits to cater to diverse needs.

The network of providers, the financial aspects, and the support and resources available to members all contribute to the comprehensive coverage that Florida Blue provides.

By prioritizing preventive dental care and regular check-ups, you can safeguard your oral health and by extension, your overall health. With the right dental plan, like the ones offered by Florida Blue, your smile can remain as bright and healthy as ever.

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Frequently Asked Questions


Does Florida Blue cover dental?

Yes, Florida Blue offers BlueDental plans that cover at least two regular exams and cleanings a year at little or no cost when seeing an in-network dentist.


What is the most common dental insurance in Florida?

The most common dental insurance in Florida is a preferred provider organization (PPO) plan, which is widely popular among residents.


What is the average monthly cost of dental insurance in Florida?

The average monthly cost of dental insurance in Florida for a 33-year-old enrollee is $42.26, as of 2023. This represents a slight increase compared to the previous year’s average.


How can I locate a participating provider within the Florida Blue Dental network?

To locate a participating provider within the Florida Blue Dental network, visit the official website and use the search form.


How does oral health affect overall health?

Poor oral health has been linked to a higher risk of cardiovascular disease and respiratory mortality, emphasizing the important connection between oral health and overall well-being.

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We can help make the process of finding the right Medicare Advantage plans in 2025 easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.

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Compare Medicare Plans

Find a plan to fit your needs


Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm ET