Are you looking for ways to keep your loved ones healthy? Exercising, eating smart and scheduling regular exams with your dentist may be the best way to start. Purchasing dental insurance and making use of it is another way. Dental experts recommend that you make two dental visits annually to keep your teeth and body healthy. Researchers have discovered that people with the best dental insurance in NY are more likely to visit a dentist, receive dental restorative care, and take their children to the dentist and experience better overall health.
Why is Dental Insurance in New York Important?
In case you only need treatment, it won’t cost you much: When receiving dental treatment from a network dentist, part or sometimes the full cost is met by the dental insurance company.
Preventive dental care is often fully covered: Visiting your dentist regularly will help your dentist to detect any dental problems before they can get serious.
Additionally, when you can make use of those dental benefits.
Your overall health improves: There’s no doubt that there is a direct link between oral health and the overall health of a person. That is why signs and symptoms of over 120 medical conditions are often detected through an oral exam of the mouth, neck, and throat. Dental infections have been found to lead to other complicated illnesses or conditions.
You save on time: According to the Surgeon General Report, over 50 million school hours are lost each year due to dental-related problems. Among adults, over 160 million working hours are lost every year due to oral illnesses. This means that treating problems before they worsen or become too painful, can save you several hours of lost school time and work.
Top 10 Best Dental Insurance NY
- Delta Dental
- Spirit Dental & Vision
- Physicians Mutual
Is Dental Insurance Similar to Medical Insurance?
Getting insurance is often a no-brainer. Your medical insurance will help you save money more often than without. When your monthly premiums are high, then you will pay a lower deductible. However, dental insurance works differently. Although dental plans may seem cheaper, they sometimes won’t help you save money at all.
On average, you’ll pay $360 per year or a monthly fee ranging between $20 and $50 each month for dental insurance. These plans also have a limit that covers an average of between $1,000 and $1,500 per year. Although this may seem much, it can easily get depleted within the two annual dental care appointments. Especially, if you undergo dental exams, cleanings, X-rays, and a few fillings. Additionally, if you need a crown, root canal, and deep cleaning, that can wipe out your annual maximum coverage within a single visit.
You can consider dental insurance in case you anticipate that you won’t need major dental procedures anytime soon. Keep in mind that most dental insurance plans won’t cover pre-existing conditions nor reimburse you for major procedures. Also, there is the possibility that you will need a dental procedure unexpectedly, which may not be covered by your insurance policy.
Do you Need Extensive Dental Care?
Unfortunately, with or without insurance, you will use up more money. Even with the most diligent brushing, still teeth will age. If you choose to skip dental insurance, you can opt for other alternatives such as discount dental plans from DentalSave. These dental savings plans can provide you the security of coverage without much of a cost. You are only required to pay an annual fee to qualify for discounts anywhere from 10% to 60%. Unlike dental insurance, discount dental plans do not have waiting periods or annual caps/limits.