Group and individual dental insurance plans for Orlando and Central Florida families and businesses. Compare PPO, DHMO, and discount dental plans with Orca Insurance Group.
Dental Insurance in Orlando & Winter Park, FL
Dental care is one of the most-used benefits employees and families have — and one of the most cost-effective. Whether you're a business owner looking to add dental to your group benefits package or an individual looking for personal coverage, Orca Insurance Group helps you compare plans from multiple carriers to find the right fit.
Types of Dental Plans
DPPO (Preferred Provider)
The most flexible option. See any dentist — in-network or out — though you'll save more staying in-network. No referrals needed for specialists. Higher premiums but maximum freedom of choice.
DHMO (Dental HMO)
Lower premiums and no deductibles, but you must choose a primary dentist from the network and get referrals for specialists. Best for budget-conscious individuals and families who don't mind network restrictions.
Dental Discount Plans
Not insurance — a membership that gives you discounted rates at participating dentists (typically 20-50% off). No waiting periods, no annual maximums. Good for people who need immediate care or don't qualify for traditional plans.
What Dental Insurance Covers
Most dental plans organize coverage into tiers:
| Category | What's Included | Typical Coverage |
|---|---|---|
| Preventive | Cleanings, exams, X-rays, fluoride | 100% covered (usually no deductible) |
| Basic | Fillings, extractions, root canals | 70-80% after deductible |
| Major | Crowns, bridges, dentures, implants | 50% after deductible |
| Orthodontia | Braces, aligners (often children only) | 50% up to lifetime max |
Group Dental for Orlando Businesses
Adding dental to your employee benefits package is one of the most affordable ways to improve retention. Group dental premiums typically run $25-$60/month per employee — a fraction of medical insurance costs — and employees consistently rank dental among their most valued benefits.
Major carriers offering group dental in Central Florida include Delta Dental, MetLife, Guardian, Cigna, Humana, and Florida Combined Life. We quote all of them side by side so you get the best combination of network, cost, and coverage.
Dental can be bundled with your group health plan or offered as a standalone voluntary benefit where employees pay 100% of the premium through payroll deduction — no cost to you as the employer.
Frequently Asked Questions
How much does dental insurance cost?
Individual dental plans typically run $20-$50/month. Group rates are often lower at $25-$60/month per employee depending on plan type and coverage level. Family plans range from $50-$150/month.
Is dental insurance worth it?
For most people, yes. Two preventive cleanings alone cost $200-$400 out of pocket, which often exceeds the annual premium for a basic plan. If you need any fillings, crowns, or other work, insurance pays for itself quickly. For businesses, it's one of the cheapest benefits with the highest employee satisfaction.
Can I get dental insurance without health insurance?
Absolutely. Dental plans are sold independently from medical insurance. You can buy an individual dental plan or an employer can offer dental as a standalone voluntary benefit.
What's the annual maximum on dental plans?
Most plans cap benefits at $1,000-$2,500 per person per year. Once you hit the max, you pay 100% out of pocket for the rest of the year. Higher maximums are available on premium plans. We help you balance the annual max against the monthly premium.
Compare Dental Plans Today
Whether it's individual coverage or group dental for your team, we'll find the right plan at the right price.
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