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Find an Emergency Dentist in Jacksonville

Jacksonville is the largest city in Florida by population. Around 900,000 people live in this city, where golf tourism is especially popular. Jaxsons that are in need of dental services often go to their own dentist they have been seeing for a long time. Things can turn around and you might find yourself needing an emergency dentist. These dentists are ones that are either open all night or on weekends, and can take you in when you’re having a dental emergency. Most dentists in Jacksonville don’t work off-hours, but if you call 1-866-993-7730, we will find you one that does. Our dental referral team can respond quickly and find a dentist near you in Jacksonville, Florida.

The last thing anyone wants to do during a dental emergency is spend time researching the best emergency dentists that are available to see same-day new patients, and that's what we have done for you. We've searched through the most popular online resources for reviews and dentist evaluations such as Yelp, Healthgrades, Google, Zocdoc, Vitals and more, to find the best rated emergency dentists in Jacksonville. Our process is quite simple, but very time consuming. We search through thousands of consumer and patient reviews to eliminate any fake or what appears to be paid reviews, and then aggregate all of the data across the various platforms to bring you the best emergency dentists we can find. With the thousands of child dental emergencies that have come through our service, we also specialize in locating pediatric dentists to address any emergency your child may be experiencing. If you are looking for a dentist near you in Jacksonville, browse some of the listings below, or call us to have a trained dental operator take care of the whole process for you, free of charge. Simply call us at the number above to get in touch with our dental referral specialists to find the best emergency dentist near you.

Everything You Need To Know About Emergency Dental in Jacksonville

Let us find the right emergency dental office in Jacksonville near you. Select one of the categories below to quickly scroll to a specific section in order to learn more about emergency dentists in Jacksonville, as well an any related items such as dental emergency costs, insurance, common procedures, and more.

Emergency Dentists

Check our listing of some dentist offices we partner with to give you the best service possible.

Dental Costs in Jacksonville

See average prices in Jacksonville for common dental procedures & emergencies.

Find A Dentist 24/7

Let our dental specialists find an emergency dentist office near you today. It's FREE.

Important Things to Know

Find out some useful things to know before going to the dentist for an emergency appointment.

Walk-in Dental Visits

Learn about going to a walk-in dentist near you in Jacksonville.

Top Emergency Procedures

Here are some things you can do at home when a dental emergency occurs.

Best Emergency Dentists in Jacksonville

Below is a listing of dentists available to take emergency dental appointments in Jacksonville. We have collected data on some of the best emergency dentists, along with their bios and review ratings from around to web to help you make a better decision around choosing an emergency dentist. Call us now to book an appointment with one of these dentists, or let us find a dentist near you open now.

San Marco Dentistry

John F. Howard, Jr., DDS
1925 Hendricks Ave
Jacksonville, FL 32207
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4.89 stars
72 total reviews

About The Office

At San Marco Dentistry, we value our patient relationships, making it our priority to deliver gentle compassionate care that you deserve. We work hard to make you feel at ease by providing exceptional patient care in a relaxed, convenient atmosphere. We strive to develop lifelong relationships with our patients by combining the latest dental technology with a professional and compassionate staff. The result is a beautiful, healthy smile that lasts a lifetime. Not only are we a leading dentist in Jacksonville, FL, we are a full-service practice providing for all of your dental needs. Should you ever need additional information about our practice, we are always available to answer your questions. Let us care for your entire family! We look forward to meeting you. Dr. Howard was born and raised in Jacksonville. He graduated from The Bolles School in 2002. After high school, he attended Washington and Lee University in Lexington, Va where in 2006 he graduated cum laude in Biology. Upon graduating, he headed to Richmond, Va and enrolled in Virginia Commonwealth University's School of Dentistry. In dental school, Dr. Howard was the president of the Psi Omega dental fraternity his third and fourth year. In both years he was awarded the chapter's leadership award. Dr. Howard graduated in the spring of 2010 and returned home to Jacksonville to escape Virginia's winters. He is a member of the Jacksonville Dental Society, Florida Dental Association, and American Dental Association.

Tarak C. Patel, DDS

2262 Dunn Ave
Jacksonville, FL 32218
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4.63 stars
25 total reviews

About The Office

Welcome to the practice of Tarak Patel, DDS in Jacksonville, FL. Dr. Patel and our friendly, knowledgeable staff are dedicated to making every visit to our office a great experience. Expert dental care is provided with a warm, personal touch in a comfortable, relaxed setting. The office of Tarak Patel, DDS is a modern, state-of-the-art practice offering Jacksonville area patients a full-range of general and cosmetic dental services, from routine check-ups to complete smile makeovers. Dr. Patel practices conservative, proactive dentistry utilizing the latest in dental technology. Your comfort is always a primary concern. The first step towards a beautiful smile and a lifetime of good oral health is to schedule an appointment. Our office works with numerous Insurance Carriers. For your convenience, we offer a variety of payment options. Call or email Tarak Patel, DDS today to schedule your appointment. We look forward to serving you for years to come!

Jacksonville Emergency Dental

Michael Thomasino, DMD
1716 University Blvd S.
Jacksonville, FL 32216
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4.70 stars
199 total reviews

About The Office

Welcome to Jacksonville Emergency Dental, Jacksonville's first acute Dental Care Center. We have 2 dental offices equipped to deal with most dental emergency cases. We are open 7 days a week and see most patients within 24-hours. We accept Florida Medicaid, most PPO insurances, cash, credit, debit and Care Credit. Jacksonville Emergency Dental has served the North Florida community with two locations since 2006. Now open 7-days a week, we provide expert care and affordable procedures to get patients out of dental pain fast. With thousands of satisfied patients, we now look forward to helping you! Our offices work to bridge the gap between the dental and medical communities. When left untreated, dental emergencies can lead to Hospital ER and Urgent Care Center visits resulting in risk of infection, extended healing times and excessive medical bills. Our goal is to run an efficient, walk-in practice that exclusively treats dental emergencies, so you can get out of pain quickly and back to your daily routine. Dr. Thomasino and staff are dedicated to providing you with a pleasant visit and results that get you out of pain and on with your daily life. Our administrative staff is ready to help you with questions about our financial policy, wait time and frequently asked questions to assist you with your dental emergency needs.

Cavka Dental Center

Aida Cavka, DMD
2511 St Johns Bluff Rd S
Jacksonville, FL 32246
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4.82 stars
259 total reviews

About The Office

We offer a wide variety of preventive, restorative, and cosmetic services to improve your oral health as well as the overall quality of your life. Our team is dedicated to providing you the friendly and personalized dental care that you deserve. Our goal is to provide you with the best dental experience of your life! We believe that no one should be scared of the dentist! Our cutting-edge, private treatment rooms offer chair-side monitors so that you can relax with television, movies, or just music. Your comfort is our goal. Our gentle touch and peaceful environment allow you to stay relaxed while we work on creating the smile you always wanted. At Cavka Dental Center, we pledge excellence in all that we do and take pride in our work. We look forward to helping you make the most of your smile now and for the years to come. Take a look around our website, and contact us today to schedule your first visit.

Five Points Dental

Ronald K. Roessler, DMD
1529 Margaret Street
Jacksonville, FL 32204
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4.89 stars
54 total reviews

About The Office

At Five Points Dental, we make your experience comfortable and enjoyable. Dr. Ronald Roessler’s conservative approach to dentistry and easy-going demeanor will immediately set you at ease. We use the latest advancements in technology to effectively manage all of your dental needs with quality solutions. Our highly-trained and experienced team of professionals offer general and cosmetic dentistry in a family-friendly and genuinely caring environment. If dental visits make you nervous, don’t worry – we have many comforting amenities to help you relax. Your whole family will enjoy seeing us! Dr. Roessler provides dental care for children as young as three years old. Our team of smiling faces helps provide our younger patients with a fun and easy experience. Our office is conveniently located in Jacksonville, Florida in the Riverside Avondale area. Let us help you achieve a healthier and brighter smile. Contact us today to schedule an appointment. Raised in Clearwater, Florida, Dr. Ronald K. Roessler D.M.D. attended the University of Central Florida (UCF) for his undergraduate studies and the University of Florida (UF) for his doctorate of medical dentistry. With extreme proficiency in all areas of general dentistry, he also maintains a special interest in the area of cosmetic dentistry. And as a patient of Dr. Roessler’s, one can be assured of his dedication to providing the highest quality dental services in a comfortable and caring environment. To remain on the cutting edge of his field, Dr. Roessler pursues continued education through the American Dental Association (ADA).

Average Dental Treatment Prices in Jacksonville, FL

Everyone dislikes dealing with a dental emergency, and besides the headache of the discomfort, there are the dental emergency costs to deal with. In order to help you better prepare for your dental emergency visit, we have provided a list of common procedures and their associated average cost. While procedure cost will vary from dentist to dentist, the prices below represent average costs you might expect to pay for dentistry in Jacksonville, FL1.

Dental Category Procedure Average Cost
Preventive Care X-ray (single) $18
X-ray (bitewing) $58
X-ray (complete) $127
Adult cleaning $88
Tooth sealant $44
Fillings Silver amalgam $130
Composite resin (front teeth) $123
Composite resin (rear teeth) $125
Inlays One surface $544
Two surface $711
Three surface $930
Veneers Bonded plastic veneers $432
Porcelain veneers $890
Root Canal (Endodontics) Anterior root canal $634
Bicuspid root canal $767
Molar root canal $970
Periodontics Perio exam & x-rays $260
Scaling & root planing (quadrant) $325
Gingivectomy (single tooth) $251
Gingivectomy (quadrant) $781
Pedicle graft $763
Free gingival graft $786
Periodontal maintenance $220
Oral Surgery Simple extraction (per tooth) $132
Surgical extraction $255
Dental implant $2,506
Wisdom teeth (impacted) $605
Crowns Porcelain crown (metal) $909
Porcelain crown (gold) $1,175
Gold crown $1,125
Dentures Complete denture (upper) $1,431
Complete denture (lower) $1,474
Partial denture (non-metal) $1,035
Partial denture (metal) $1,609

How To Find a 24/7 Emergency Dentist in Jacksonville

We've taken the guesswork out of finding a nearby dentist in emergency situations. Our trained dental referral specialists will make sure you have a same-day booked appointment with a qualified dentist.

Jacksonville is a big city with around 450 dentists2. That’s a high enough number for a city of this size, but how the question is how many of these dentists work when you need them the most. According to the American Dental Association3, 45% of dentists work on Saturdays, and much less of them work on Sundays, only 4%. Even less than 4% work night shifts. If you’re experiencing a dental emergency during these off hours, then it might be extremely difficult to find a dentist office that’s not closed. In that case, call us. We work with many dentist offices in Jacksonville that can take you in for an emergency procedure at any time of the day. Even if you give us a call on a holiday or at night when most dentist offices are not open, our dental referral specialists will take your call and schedule an appointment for the first thing in the morning. We can do that because we have access to dentist offices’ appointment books through our cooperation with them.

Having a dental emergency can mean a number of things. Facial swelling caused by an abscess is one of them, and needs urgent care. Others are a lost or a broken crown, a chipped or a fractured tooth, bleeding gums, extreme sensitivity to hot or cold, an unbearable toothache, or swelling or knots on your gums. For any of these conditions you are more than welcome to try our service. If you give us a call, our dental referral specialists will locate an emergency dentist near you and schedule an appointment in less than three minutes. Since we work 24/7, you can call our number, which is completely free, at any time of the day, and get better service than anywhere else.

A research done by the American Dental Association shows that 30% of people in Florida avoid smiling and feel embarrassment due to the condition of their mouth and teeth4. Also, according to the same source, every fourth person in Florida experiences anxiety for the same reasons. Out of those people that haven’t been to the dentist in the last 12 months in Florida, 60% claim the main reason was the cost3. If you think the cost is too high, there are many ways you can finance your dental work, such as through dental credit cards or CareCredit. When you give us a call, our referral agents will locate an emergency dentist near you that offers help with financing. We will also locate a dentist that is in network with your insurance, or accepts your form of payment.

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Things To Know Before Your Emergency Dentist Appointment

Preparing for your emergency dental visit will help minimize anxiety and reduce the overall time you will have to spend at the dentist office.

There are several things you should know before your emergency dentist appointment. Before you get to the dentist, you should get your dental records ready. If you’re seeing the same dentist, then he already has them, but if you’re switching to a new dentist, you should ask your previous one to give you a copy. Dental records can help the dentist see what previous treatments you had, and what kind of problems you might have now. They show the dentist the x-rays you took before, what medication you were on, and where your fillings, root canals and crowns are. Besides dental records, you should have your insurance information ready for the staff. Call your dentist beforehand to ask what kind of insurance they accept, or if they can help with financing. You don’t need to bother calling for insurance, or calling 24 hours prior to your appointment to confirm it if you’ve scheduled it through us. We take care of all of that. You just need to be sure you arrive on time. Better yet, arrive 10 to 15 minutes early so you can get to know the surroundings and fill out all the paperwork. Relaxing for a short time before your treatment starts, instead of being in a rush, is a great way of lowering your anxiety level.

If you’re feeling anxious about the treatment, inform the dentist about it. If the dentist knows, he can also guide you through every step of the process, and give you short breaks when you need them. The dentist can also use sedation to let you feel more relaxed during the treatment. When giving us a call to locate a dentist near you, tell us about your dental anxiety, so we can locate one that uses sedation. IV sedation and general anesthesia are mostly used for more extensive oral surgeries. Dentists usually use nitrous oxide, which is actually laughing gas, and oral medication. The dentist will tell you to take a diazepam, lorazepam, or a similar drug before your appointment to make you feel relaxed. Avoid drinking coffee or sugary beverages on the day of your appointment because they will only make you feel more anxious. Another good way of being in a better mood and feeling less stressful is getting a good night’s sleep. If you want, you can bring a friend with you to the dentist so he can wait for you while you’re getting your procedure done. This will give you a sense of security because you’ll know that someone you trust is there for you. Bring something to hold on to during your treatment, such as a stress relief ball. Finally, you can listen to music on your headphones if you don’t like the sound of the drill.

Get A Walk-In Emergency Dentist Appointment Today

We specialize in locating a dentist near you that is available to take you in for an immediate appointment on the same day. Your emergency concierge is just a phone call away.

According to a research done by McKinsey & Company, more than 38% of adults in Florida haven’t had a dental visit in the past 12 months5. What most people don’t realize is that dentists are not there for you only when you have a toothache. You should go to the dentist every six months for a checkup and cleaning. Most insurance plans have free checkups and cleanings twice a year. Insurance companies, as well as dentists worldwide, advocate checking your teeth often so you don’t experience a toothache when it’s already too late. Preventive care, along with brushing and flossing teeth regularly, makes it much less possible for cavities or other serious conditions to develop. The more serious the condition, the more pain you’ll be in, and the more money you’ll spend.

If you’re trying to find a dentist where you won’t have to call and schedule an appointment first, then you might have to spend a lot of time. Locating a walk-in dentist is very difficult nowadays because most dental offices work by appointment only. Since dentists have extremely busy schedules, they don’t have time to take in anyone that comes unannounced. The staff will most likely turn you away, asking you to make an appointment for next time. If you want to avoid this call us. We can schedule an appointment for you at an emergency dentist near you even at night or weekend, when most offices are closed. Out of those people that haven’t had a dental visit in the past year, 26% said it was because of inconvenient location or time, and 13% said it was because they had trouble finding a dentist, according to the research done by the American Dental Association4. If you call us, we will make sure you have an appointment schedule at a time that best suits you with an emergency dentist near you.

Top Emergency Dental Procedures in Jacksonville

No single procedure defines a dental emergency, but the treatments listed below are most commonly encountered during emergency dental visits.

One of the top emergency procedures in Jacksonville is a chipped or a fractured tooth. If this occurs, first rinse your mouth with warm water. If there is any facial swelling, put an ice pack to the affected area. In case there’s no swelling, hold an ice cube to your tooth, especially if it’s fractured. Saving the tooth, even if it’s broken, is possible only if you get to an emergency dentist as soon as possible. The dentist cannot glue it back together, but can stop the crack from spreading, letting you continue to use your tooth as usual. The dentist might have to install a crown to keep the tooth together after it cracked or fractured. In case of a broken crown, your tooth will become more sensitive to hot or cold, and is susceptible to more damage, so repairing the crown or getting a new one quickly is imperative.

A tooth extraction is a common procedure among children who use their baby teeth, but also among young adults who have impacted wisdom teeth. You will know you have impacted wisdom teeth if you have irritated gums or if they’re red or swollen. Not pulling your wisdom teeth out can result in your adjacent teeth to be pushed and damaged, requiring you to repair them as well. Some other reasons for the dentist needing to pull your tooth out is gum disease, facial trauma, or simply because you have too many teeth for the size of your jaw. In that case, or if your teeth are too big, you might have to wear braces to properly align your teeth. The dentist will almost always apply some sort of anesthesia, depending on the severity of your condition. General anesthesia will be applied for extracting your tooth only if your situation is so severe that he needs to cut inside your bone to extract your wisdom tooth. If you’re extracting your tooth, you shouldn’t feel any pain, only pressure, so if you start to feel pain, immediately tell your dentist, so he can administer more anesthesia.

Chipped Tooth

The most common dental emergency in the US is a chipped tooth. While it may not seem like a dental emergency, you should still seek out a dentist as soon as possible because your condition might get worse over time. If a tooth has already had extensive restoration, such as a filling, the chances are higher of it getting damaged, especially when biting down on hard foods. It can also get chipped because you’re grinding your teeth, which is a condition called bruxism. A chipped tooth that has been left untreated for too long can result in an infection of the nerve and pulp of your tooth. A root canal treatment will be needed in case of a serious infection. If a tooth has been chipped, there are chances of it breaking, because it is already weakened.

Broken or Fractured Tooth

One of the most common types of dental emergencies is a broken tooth. A broken tooth can result from a number of reasons including: cracks or chips from biting down on a hard object, severe facial impact from an accident, sports injury, a fall, dental decay that has weakened the tooth over time, or a dental filling that has weakened the tooth structure around it. The severity of the break will vary from minor cracks, to a tooth that has been broken down to the root, causing severe pain. If you are experiencing the latter, rinse your mouth thoroughly with water, and cover the tooth with gauze to help stop any bleeding. Next, place an ice pack on your mouth or face if there was an impact that caused the break, and call a dentist immediately. If you do not have a dentist, call us to get connected to an emergency dentist near you 24/7.

Loose Tooth

If a child with baby teeth has a loose tooth, it is perfectly normal. However, if an adult’s tooth is loose, it's a different story and can mean several things. One of them is trauma to the tooth structure caused over time by grinding or clenching your teeth too much. Another common reason for your tooth becoming loose is due to gum disease, where the bacterial plaque causes an infection that weakens gum attachment to the teeth. This can occur if your dental hygiene habits are poor. Some symptoms of gum disease are bleeding or sore gums, pus around the tooth, gum recession, bleeding during brushing your teeth, or your gums becoming red or purple. Besides practicing good oral hygiene, eating healthy and exercising can boost your immune system, which will in turn protect you from this condition.

Knocked Out Tooth

Whether it's due to a contact sport injury or any type of accident, a knocked out tooth is very serious. In case your tooth gets knocked out, pick it up by the crown or the head. Don’t touch the root if you want to have the best chance of getting it placed back into its socket by a dentist. After picking it up, carefully rinse it with water, but don’t scrub it or use soap to clean it. The tooth should be kept moist so try to put it back into its socket and bite down gently until you get to an emergency dentist. If you can’t put it back in, put it in a milk filled container, not water. Immediately see an emergency dentist near you because waiting longer than 30 minutes will decrease chances of the dentist saving it. If you can’t find an endodontist, who specializes in saving teeth, call us as soon as possible to locate one near you and we'll take care of scheduling your appointment.

Lost or Broken Filling

Fillings fall out in most cases because there is decay under them, and they cause the tooth to change shape, making the filling not fit the tooth anymore. One of the most important things to do when your filling falls out is for you not to swallow or bite down on it. In case it’s an amalgam, composite or glass ionomer filling, which is most of fillings these days, you can throw it away. If you haven’t swallowed it and it’s a ceramic inlay or gold filling, the dentist can put it back in its original place. If your tooth becomes sensitive to pressure, or hot or cold temperature after losing a filling, it is very likely that your dentil tubules have been exposed. They are the connection to the pulp of your tooth. You should try to avoid chewing with the side of the mouth where the dentils are exposed, and see a dentist to cover them with a new filling. If you don’t see a dentist immediately, make sure you clean your tooth very well because harmful bacteria can accumulate and harm your tooth even more.

Chipped or Broken Crown

A chipped or broken crown is not an uncommon occurrence, and should be addressed immediately in order to prevent additional complications from taking root. A crown is a protective overlay that is placed on top of a tooth, and without the protection of the crown, a tooth is susceptible to further decay and damage. You may also experience moderate discomfort and sensitivity in the event that your crown has been severely damaged or completely fallen off. If your crown is chipped or broken, rinse your mouth with warm water, and don’t eat on that side of the mouth until you go to the dentist, just in case something gets lodged there. Chips on crowns made of porcelain can in many cases be repaired using composite resin, thereby saving you the cost of having a new crown made. However, if the chip or crack on the crown is severe enough, your dentist will need to have a new crown made in order to prevent further damage to your tooth due to lack of protection from the damaged crown.

Impacted Wisdom Teeth

An impacted wisdom tooth is one that grows in at an awkward angle or doesn’t have enough room to emerge. Over 60% of wisdom teeth are impacted, so don’t worry if it happens to you. You might not even realize you have impacted wisdom teeth until your gums start to swell or hurt. Some other symptoms are jaw pain, difficulty opening your mouth, bad breath, and bleeding gums. If not treated, wisdom teeth that are impacted can cause pain, gum infection, or damage to other teeth because it’s pushing them too much. Wisdom teeth have the highest risk of tooth decay due to them being the last tooth in your mouth, or only partially erupted. Food and bacteria can easily get stuck between the tooth and the gums, possibly leading to an infection. You will most likely need to visit an oral surgeon to remove the impacted tooth.

Dental Insurance Plans Available to Jacksonville Residents

The insurance plan pricing below provides an estimated range of monthly premiums based on type of coverage for some of the most popular plans in the Jacksonville area.

Insurance Provider Plan Type Monthly Cost Range
AARP6 PPO $43 - $64
HMO (prepaid) $35
Ameritas7 n/a $11 - $59
Blue Cross Blue Shield8 HMO $25 - $34
Delta Dental9 PPO $22 - $49
DHMO (prepaid) $9
Humana10 PPO $12 - $30
MetLife11 PPO $29 - $37

Our Content Authors

Dr. Petra Johnson is an invaluable member of our team. She takes part in dentistry conferences around the world, where top dental practitioners share innovative ideas, and collaborate on numerous projects. She wants to help patients get the best experience possible when visiting a dentist, and she's doing it by being one of the editors on our website. As she is both an expert in dental management software, and a skilled dental practitioner, she is a great addition to our EDO team.

Dr. Petra Johnson, DMD

General Dentist

With a Bachelors in Economics and an MBA, Mark provides invaluable insight into the changing environment of the dental vertical. He focuses on providing the latest data available in each geographic market about emergency dentistry to consumers, and heads up the reasearch and business intelligence units of the emergencydentistsoffice.com website. Mark's passion for improving oral health is evident in his dedication to the company's mission.

Mark Kokor

Research Analyst

  1. Jacksonville Dental Costs. (2017, June 1). Retrieved from https://www.bracesinfo.com/dentalcosts/us/fl/jacksonville-fl.html Dental prices estimated from data gathered by the US Bureau Of Labor Statistics, by the American Dental Association and by ACCRA (American Chamber of Commerce Research Association).
  2. Professionally Active Dentists. (2017, Oct.). Retrieved from https://www.kff.org/other/state-indicator/total-dentists/?activeTab=maptTimeframe=0&selectedDistributions=total-dentists&sortModel=%7B%22colId%22%3A%22Total Dentists%22%2C%22sort%22%3A%22asc%22%7D
  3. Wall, T., M.A., M.B.A., Nasseh, K., Ph.D., & Vujicic, M., Ph.D. (2014). Majority of Dental-Related Emergency Department Visits Lack Urgency and Can Be Diverted to Dental Offices. Retrieved from https://www.ada.org/en/~/media/ADA/Science%20and%20Research/HPI/Files/HPIBrief_0814_1
  4. American Dental Association (2015). Oral Health and Well-Being in Florida. Oral Health and Well-Being in the United States. [online] American Dental Association's Health Policy Institute. Available at: https://www.ada.org/en/science-research/health-policy-institute/oral-health-and-well-being/Florida-facts
  5. U.S. News & World Report. (2017). Best States - Florida. Available at: https://www.usnews.com/news/best-states/florida
  6. Pricing data from: https://www.aarp.org
  7. Pricing data from: https://www.ameritas.com
  8. Pricing data from: https://www.bcbs.com
  9. Pricing data from: https://www.deltadental.com
  10. Pricing data from: https://www.humana.com
  11. Pricing data from: https://www.metlife.com