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Dental

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 in- 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, with varying premium levels and out-of-pocket costs.

These charts show highlights of all the options – focusing on how the plans work. All fees listed are based on the services of a general dentist. Refer to the plan documents or contact the plans directly for payment information related to your specific needs. Before choosing a plan review the Important Considerations in Choosing a Dental Plan and use the Dental Plan Cost Estimator to help you determine the best Dental Plan for you and your family.

Type of Dental Plan (click for rates)	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.	Humana (CompBenefits) United Healthcare CIGNA Assurant Employee Benefits
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: Covered for adults and children	Humana (CompBenefits)
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	Assurant Employee Benefits Ameritas
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.	Humana (CompBenefits)