Want to compare several packages? Visit DentalInsurance.com to see your available options and compare providers side by side.
If you have an independent health insurance plan, you should not assume that your plan includes coverage for your dental needs. Under the Affordable Care Act, market plans are not required to provide coverage for routine or emergency dental care. This can leave you with thousands of dollars in dental bills if you have a dental emergency or need major surgery. Fortunately, a number of dental insurance providers in New York City offer individual and family plan options.
Why do you need dental insurance?
Many men and women don’t quite understand how much money they will have to pay for major dental care and treatment without insurance. If you have health insurance, you can assume that these healthcare costs will be at least partially covered by the company that issues your health insurance. However, the truth is that your health insurance plan usually does not extend coverage to these types of services, which can leave you stuck with unexpected bills.
Dental insurance is an independent policy that helps you pay a portion of your dental costs. Most dental insurance plans give you full coverage for routine care (like cleanings) and partial coverage for major treatments (like extraction or filling of wisdom teeth). The right dental insurance plan can help you pay for any future dental care costs you incur and help your children receive regular, routine care that will make them smile.
How to find dental insurance in New York
You can start your search for dental insurance by consulting the New York State Dental Plan Comparison Tool. You can set your search to include only the plans that work best for you based on your family’s size, location, and budget. Scroll through the plan options to learn more about the premiums, deductibles, maximum spend and more that are included in each plan. You will likely be presented with a wide range of coverage providers, so be sure to allow yourself plenty of time to research all of your options.
Which insurer is the best?
There are several insurance providers offering comprehensive dental insurance plans in New York for individuals and families. The best insurance provider will vary depending on the type of coverage you are looking for and your budget. Let’s take a look at some of the most popular insurance providers you’ll see when looking for coverage in New York City.
Humana
Humana is an independent dental insurance provider with coverage throughout New York State. Humana offers preventative coverage starting at just $ 19 per month for individuals, and you can choose to see both network and off-network dentists (although you’ll save money by staying in your network). Humana’s top tier plans even include $ 100 worth of coverage for teeth whitening services, which is excluded from the vast majority of dental insurance plans.
In New York City, Humana offers both dental insurance plans, preventative plans, and dental insurance plans that don’t act like insurance but can lower the price you pay for your oral health needs. -dental. Humana even offers special plans for veterans in need of affordable care. Most plans also have waiting periods as short as 7 days, so you can start using your coverage soon after signing up.
Best for
Young adults and families with children and adolescents
Advantages
- Teledentistry
- Range of diet options
- Affordable basic plan
The inconvenients
- The mobile app has limited functionality
Guardian
Guardian offers 2 main dental insurance plan options in New York: Guardian Advantage Gold and Guardian Managed DentalGuard. With the Managed DentalGuard plan, you could pay as little as $ 15 per month for coverage, and the plan has no maximum benefit or deductible. However, you must see a dentist licensed by the Guardian Network and you must pay a fixed fee which is calculated before your treatment appointment.
At $ 45 per month, the Guardian Advantage Gold plan is more expensive than the Managed DentalGuard plan. However, it gives you access to a richer network of dentists to choose from and additional benefits over the company’s more affordable plan. For example, major treatments (such as dentures and implants) are covered by this plan, while the Managed DentalGuard plan is not. If you have a family history of oral health issues, it might be worth paying additional monthly expenses to protect yourself with this plan.
Number of health care providers
28k +
Advantages
- Coverage in all 50 states and outside the country
- Covers both generic and branded drugs
- Extensive network of doctors, hospitals and specialists
The inconvenients
- Plans offered by regional businesses, which means you need to look to your regional business for specific policies
- The main customer service helpline can be difficult to reach
Empire BlueCross BlueShield
Like Guardian, Empire BlueCross BlueSheild offers a wide array of plan choices that you can use to balance your monthly budget with dental benefits. The company’s most comprehensive plan choice is the BlueCross BlueShield Essential Choice Gold, which offers 100% coverage for networked preventive exams and treatments and up to 80% for scheduled and emergency dental treatments.
The Essential Choice Gold plan starts at $ 40 per month, but Empire BlueCross BlueSheild also offers a range of 4 lower level dental insurance plans that can more easily fit your budget. Empire BlueCross BlueSheild plans also offer Preferred Provider Organization (PPO) coverage, meaning you can choose to see an off-grid dentist and continue to use your benefits if you wish (although you’ll save more. money by staying in the network).
Advantages
- AM Best A grade
- Wide range of coverage options
- Ortho coverage up to 50%
Ameritas
Although Ameritas offers dental insurance a little more expensive than the New York State average, this insurance provider can be a great option if you are looking for extensive coverage for orthodontics. Unlike most dental insurance providers, Ameritas extends its benefits to $ 1,000 in orthodontic coverage on most plans. Keep in mind that unlike most other minimums that you will find on dental insurance options, this $ 1,000 maximum applies to the duration of the plan and is only valid for members of the police under 19.
Top Benzinga Dental Insurance Providers in New York
Finding the right insurance provider for your family can seem like an overwhelming process, but it doesn’t have to be. The insurance plans and providers you have access to will vary depending on where you live in New York City. Consider starting your coverage search with a few of our preferred dental insurance providers in New York State using the table below.
The easiest way to get dental insurance
Depending on the insurance plan you have, you may already have some level of dental insurance coverage. Although market plan providers are not required to provide coverage for dental health issues, employer-sponsored plans and individual plan providers may choose to include this coverage in order to remain competitive in the marketplace. Marlet.
Before you start looking at dental insurance options, review your current coverage and see if you have any type of dental coverage. If your health insurance doesn’t extend to dental insurance, compare the prices and policy options of at least 3 competing companies to avoid paying too much for your coverage.
Frequently Asked Questions
What does dental insurance generally include?
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What does dental insurance generally include?
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Sarah horvath
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Dental insurance plans generally include coverage for routine dental care needs (such as cleanings and x-rays) and special needs and treatments (such as root canals or cavity fillings). Some dental insurance plan providers also offer care for things like orthodontics and dentures. However, the specific coverage included in your dental insurance can vary widely from provider to provider.
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What does dental insurance generally exclude?
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What does dental insurance generally exclude?
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Sarah horvath
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Most dental insurance plans exclude coverage for cosmetic dental procedures (such as teeth whitening) and pre-existing conditions. Some dental insurance providers may also exclude coverage for sealants, even if they are deemed medically necessary by your dental provider. Make sure you read and understand your policy carefully before purchasing a plan so that you know exactly what is covered and what is not.
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Most adults prefer Invisalign to braces because they adjust your teeth faster and are less visible. What is not as noticeable is the price. And why does the average price change from state to state? Short answer, the price is influenced by a number of factors, but the location of the office can mean higher or lower cost of living.
On the low end, you can expect to pay $ 3,000 for a round of Invisalign and $ 9,000 on the high end. The highest price we’ve seen for Invisalign is in California while the cheapest is in Texas. For an average price, you can look to Arkansas, Kentucky, Mississippi, Missouri, and North Carolina.
Your insurance may cover part of Invisalign treatments. Consult a list of dental insurance providers to compare coverage and a list of dental insurance that covers the Invisalign alternative, braces.
DentalInsurance.com is a wholly owned subsidiary of Kelsey National Corporation (KNC). One of the leading dental insurance providers, DentalInsurance.com was the first to allow individuals to compare prices and apply for discounted dental insurance and dental plans online.
DentalInsurance.com offers families, individuals and business owners the easiest way to compare and purchase affordable, quality dental insurance and discounted dental plans.
