Department of Management Services

Dental Insurance Plans

The State of Florida offers you comprehensive dental coverage through an array of dental plans. Coverage is available to retirees through COBRA and to COBRA participants if they were enrolled prior to termination.

Each plan is designed to meet the needs of employees based on their individual plan usage, flexibility in using network or non-network dentists and cost.

     

Types of Plans and Covered Services

The dental plans below are divided into four categories: PPO, Indemnity, Indemnity with PPO and Prepaid.

These charts show highlights of all the options – focusing on how the plans work. Refer to the plan documents or contact the plans directly for monthly premiums, out-of-pocket costs and specific questions you have about coverage. Find out if you are eligible for these benefits.

Type of Dental Plan  How It Works State Plans Offered
Prepaid Dental Plan
  • Pays benefits only when you use network providers.
  • No deductible or annual maximum
  • Most preventive care at no charge
  • You pay a fixed copayment for dental procedures listed on the copayment schedule.
  • Orthodontia: Covered for adults and children.
PPO Dental Plan
  • Receive care from any dentist
  • Your cost is lower when you use network dentists
  • You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay part of the cost for the services you receive.
  • Orthodontia: Covered for adults and children.
Indemnity with PPO Dental Plan
  • Receive care from any dentist
  • Your cost is lower when you use network dentists
  • You generally have an annual deductible to meet before the plan starts paying benefits, and then you pay a percentage of the cost for the care you receive.
  • Orthodontia: Child only orthodontia covered by Assurant
Indemnity Dental Plan
  • Receive care from any dentist
  • You have a deductible to meet and then pay part of the cost for the services you receive.