Over the past decade, dental fees in America rose by a whopping 20 percent as wages flat lined and many dental insurers became stingy with their coverage. Although the Affordable Care Act (Obamacare) has now made it easier to shop and access dental insurance, the total costs can add up over time even for regular procedures like teeth cleanings.
Fortunately, there are many great dental plans in New York that residents can join to access and save on dental care. The question many people ask is, what is the difference between dental insurance coverage and Dental Plans?
Dental Insurance vs. Dental Plans
Dental insurance resembles health insurance. When you purchase insurance coverage, you agree to pay regular monthly premiums to the insurance company. In return, the insurer covers part of the dental treatment’s cost. For many dental procedures, you will be charged co-pays. You are also responsible for any costs exceeding your annual cap – which is usually between $1,000 and $2,000.
On the other hand, you have Dental Plans which moreso resemble warehouse club memberships. Upon joining, you will pay an annual fee to acquire access to reduced rates at any of the plan’s participating dental providers. You are entitled to discounted rates of up to 50 percent, which you pay directly to the dentist.
Why Switch to Dental Plans in New York
1. Insurance Caps
The best dental plans in New York offer a lot more benefits compared to dental insurance. Dental Plans have no annual caps or limits on the total amount of savings you can receive throughout the year. This allows you to pay significantly reduced discounted rates on all your dental visits. Some of the top rated dental plans in New York include DentalSave, Cigna, Aetna, Careington, and AARP.
2. Cost of Dental Care
Typically, the annual cost of dental insurance for individual and family policies are around $350 and $550 respectively. The best dental plans in New York are priced at less than half of that cost. DentalSave’s individual and family plans’ fees will only cost you $99 and $199 respectively.
Dental insurance often require members to meet an annual deductible (usually between $25 and $50 per individual) before their coverage kicks into effect. However, dental plans have no deductibles. Many Dental Plans like DentalSave goes into effect immediately. You can schedule an appointment on the same day and pay the discounted price. Dental plan members save big without the hassles of insurance companies.
4. No Reimbursement Red Tape
Dental insurance is notorious for its long and tedious procedures, bulky paperwork, and red tape when it comes to claiming reimbursement. This makes many dentists wary of accepting insurance cards. However, dental plans require no paperwork, no filing hustles, no waiting periods, and no tedious reimbursement processes.
5. Extra Coverage Plans
Dental insurance has no additional coverage plans other than dental work. On the other hand, Dental plans offer extra coverage like vision, prescription drugs, and hearing. DentalSave and Patriot Health offer all three plans. However, other dental plans offer only one, two, or none.
- Avia Dental Plan, Careington, and CVS iSave provide vision and prescription coverage but have no hearing plan.
- Cigna Plus Savings and Aetna (Vital Savings) only cover dental and prescription drugs.
- AARP and DenteMax offer no extra coverage plans.
Dental Plans are better than Dental insurances’ coverage because they offer more savings and require no complicated signup, filing claims, or reimbursement procedures. When compared against each other, DentalSave provides the best dental plans in NY state because it allows members to save up to 50 percent and provide extra coverage plans at no additional cost.