Best Dental Insurance New York

Dental Insurance New York

Dental Insurance Costs in New York

Dental insurance will help you save money on dental care, hands down. But there are costs consumers should be aware of, including the:

Premium—the price you play for the plan. This is typically paid monthly or in one annual payment.

Deductible—the amount you pay out of pocket before benefits kick in. In general, the deductible applies separately to each member on the policy and is applicable to the whole year. Dental plans tend to have low deductibles.

Coinsurance—the percentage of the total cost that you pay. For example, the dental insurance plan might pay 50% of the cost of a filling while the customer pays the other 50%.

Copay—the set fee you pay for a service. A plan might, for instance, have a $20 copay for cleanings.

The cost of dental insurance depends on what’s covered, such as preventive care (like cleanings), diagnostic services or exams, and/or specialized services like major restorative procedures (like root canals and crowns). Where you live, your age, and how many family members are covered will also affect the price of a dental plan.

Types of dental plans:

Dental HMO (DHMO)s allow a customer to choose or be assigned to a primary care dentist from a smaller network where you receive care and, if needed, referrals to specialists. Out of network care is not covered. These plans tend to have the lowest premiums and no annual maximum.

Preferred provider organization (PPO)s allow a customer to choose to see any dentist in a larger network. The cost of care is lower at in-network providers, but you can go outside the network for care. Premiums might be higher, but you have more choices for where to receive care.

Fee-for-service plans have no network; customers can choose any dentist. Once you meet the annual deductible, you’ll share costs with the plan. These plans have higher premiums since there is no limit on which providers you choose.

Dental discount/dental savings plans differ from insurance. Customers pay an annual or monthly fee to receive discounts on dental services at participating providers. These plans typically have no annual maximums and no referrals required for specialists, and they offer discounts on all types of services.

A PPO plan for an individual is about $40 per month in New York.

Dental Insurance in New York

New York state is home to more than 6,000 general dentistry practices and almost 7,000 specialty dental practices. As of 2014, New York had over 15,000 dentists. The majority of dentists practice in New York City, on Long Island, and in Westchester and Rockland counties. In other parts of the state, 1.6 million people live in dentally underserved areas.

The state’s oral health surveillance system found that in 2014, 44% of children in the state experienced tooth decay and 20% of kids had untreated tooth decay. According to The New York State Department of Health, 100% of New York City residents receive fluoridated water, but that percentage drops to 48% in counties outside NYC. A very high percentage of kids in New York have dental insurance: 79.8%; 83% had visited a dentist in the past year as of 2014.

But 68.8% of New York adults have had at least one permanent tooth extracted due to decay or periodontal disease. Only about 15% of New York adults have lost all permanent teeth. As of 2014, only about 70% had visited a dentist in the past year.

---

Ameritas Insurance

Ameritas Insurance provides vision and dental plans that offer benefits with any dental and vision care provider. PPO plans start at about $40 per month for individuals and network plans save 25-50% on costs. There are no enrollment fees and no waiting periods on most plans. Preventive care is covered up to 100% and is not subtracted from the annual maximum. Teeth whitening is covered on the PrimeStar plan. Reviewers have given this company five stars for responsive customer service, great coverage and lower premiums.

Ameritas Insurance
Address	1350 Broadway #2201, New York, NY 10018
Phone Number	(315) 756-6967

---

Schulman Business Health Insurance Brokerage, LLC

Shulman Business Health Insurance Brokerage is an independent insurance advisory firm that specializes in employer insurance solutions. They work with a variety of dental carriers, including Guardian, Principal Financial Group, Aetna, Delta Dental, United Healthcare, Empire BlueCross BlueShield, DearBorn National, MetLife, Ameritas and more. An agent will guide you through the process of selecting the best benefits and plans for your employees. Clients were very happy with the services they received and said the company was easy and wonderful to work with and that agents go the extra mile to find solutions and bring new ideas for employee benefits.

Schulman Business Health Insurance Brokerage, LLC
Address	825 E Gate Blvd, Ste 305, Garden City, NY 11530
Phone Number	1800-385-2208

---

DentBenefits

DentBenefits is a dental membership club that provides discounts to members when they seek services at the club’s locations. Like a gym membership, DentBenefits is a 12-month contract that gives members access to various dental procedures with no waiting period. There are two locations: Forest Hills and Brooklyn. Membership costs $125 per month and includes exams, cleanings, root canals, crowns, dentures, bridges, extractions, cosmetic fillings and more. DentBenefits consistently gets five stars for high-quality services and affordability.

DentBenefits
Address	3692 Bedford Ave, Suite P1, Brooklyn, NY 11229
Phone Number	(646) 980-4275

---

DentalSave

DentalSave dental discount plans are a subscription service for dental care. For a monthly or annual fee, members have access to discounts of 25-50% at participating dental providers. There is no waiting period to use benefits, no paperwork, and no limits. Plans start at $99 per year. Customers said they saved considerable amounts of money on basic care and major procedures, and they were happy with the low annual cost of the plan. Other reviewers said the plan is easy to sign up for and easy to use.

DentalSave
Address	3908 24th St Ste 5, Long Island City, NY 11101
Phone Number	1800-334-7283