DrDental Insurance Families Plans in Florida – I want an affordable family dental plan that I can get for my wife and two children. 

01/24/24 2:12 PM

I live in Florida, and I want an affordable family dental plan that I can get for my wife and two children. Currently, we do not have any dental insurance. I can afford to spend around $50 – $70 monthly for a family dental insurance plan. What do you offer in my price range, and how fast can we use it?

Reply: There may be a few PPO plans that would be in your budgeted range. HMO insurance plans are within your budget, so you should consider an HMO dental insurance plan option. 

What is an HMO dental insurance plan? 

An HMO dental insurance plan is a type of dental insurance plan that allows you to choose a primary care dentist who will provide most of your dental care. You will need a referral from your primary care dentist to see a specialist. HMO dental plans tend to have lower monthly premiums and copayments than PPO plans, but they also have a more limited network of dentists. With an HMO dental insurance plan, you’ll typically pay less out of pocket for preventive care, such as regular cleanings and checkups.

The cost of an HMO dental insurance plan for a family can vary depending on several factors, including your location, the level of coverage you choose, and the number of people covered under the plan. That being said, HMO dental plans tend to have lower monthly premiums and copayments than PPO plans, making them a more affordable option for many families. On average, you can expect to pay anywhere from $45 to $85.00 per month for an HMO dental insurance plan that covers a family of four.

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