Dental Insurance Plans in New York
If you’re seeking affordable healthcare bills, consider some of these alternatives for dental insurance plans. New York covers a wide range of services while others offer financial coverage for a smaller set of procedures. There are 4 types of Dental Insurance Plans in New York.
- DHMOs (Dental Health Maintenance Organizations)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Discount Dental Plans
DHMOs
In this dental insurance plan, you pay a monthly or annual membership fee, and in exchange receive free basic dental care or at an extremely reduced price.
HealthPlex is currently the only DHMO offering dental plans in New York.
PPOs
You choose from a list of preferred dentists who provide services at a lower cost for members under the plan in exchange for greater access to patients.
This type of dental insurance covers a certain percentage of the cost of dental services instead of fixing a flat rate for members.The percentage covered is dependent on the type of procedure.
PPOs offering dental insurance in New York include Nationwide and Delta Dental.
Indemnity Plans
Dental insurance providers offering these plans send reimbursements after having received and reviewed the bill, then reimburse you based on a “fee schedule”, which lists the percentage of charges covered for each procedure.
Dental insurance New York providers using Indemnity Plans include Nationwide and Delta Dental.
Discount dental plans (“fee for service” plans)
In this plan, you pay a monthly or annual fee for a discount card that allows you to receive dental care at a discount rate.
The discount dental plan providers in New York are Patriot, Careington International, DentalSave and Aetna Dental.
Conclusion
When sourcing for the perfect dental insurance plan in New York for you and your family, it’s important to understand how each dental plan works and their costs. Choose a dental insurance plan depending on your dental care coverage needs and those of your family.
