Most people often consider individual dental insurance in NY as an additional cost that can put a dent in a person’s budget. Thus, many people overlook it because it simply does not fit into their monthly income. Paying for your regular dental checkups can be proven to be quite expensive because dental care and treatment costs can quickly add up over time. But an individual dental insurance plan in NY can help you keep costs at a minimum. Although oral health is directly related to regular dental care, giving your teeth the attention they deserve will also impact their overall well-being. While bills for two dental checkups annually may be inexpensive, individual dental insurance in NY will help cover some unexpected costs that are associated with dental operations (root canals), injuries and prosthetics (bridges, crowns, and implants). Without dental insurance, such unanticipated visits to your dentist can create budgetary problems for the rest of the year.
According to WebMD, keeping your teeth healthy is important because many diseases and conditions including respiratory illness, diabetes, cardiovascular disease, and osteoporosis have a direct correlation to dental health. Purchasing an individual dental insurance in New York will help you maintain good oral health. It will also provide you with a peace of mind – something that cannot be measured in monetary value.
How Individual Dental Insurance in New York Works
A typical dental insurance follows the 100-80-50 law which means:
- You are 100% covered for all diagnostic and preventive services, including semi-annual cleanings, checkups, and x-rays.
- 80% of all dental medications such as root canals and fillings are covered
- 50% of bridgework, crowns, and other procedures are covered. Few individual dental insurance plans cover the entire 50% for dental emergency operations while others do not have limits. However, cosmetic procedures are rarely covered by insurance. Therefore, you should choose a dental insurance plan that fits all your needs.
According to Bankrate, there are three main types of individual dental insurance including DMO (dental maintenance organization), PPO (preferred provider organization) and indemnity dental plans. The DMO plan restricts its coverage to dentists within a limited network. Although PPO plans are similar to DMO, they allow their patients to visit dentists that are outside their network. However, an in-network dentist is more affordable than one that is out-of-network. From the three, indemnity plans allow its patients more freedom because any dentist is available under this option.
PPOs offer more benefits over indemnity plans because dentists within the PPO network accept discounted fees for dental procedures. This means that if a crown costs you $450 out-of-pocket expenses under an indemnity plan, it may cost you $350 under a PPO plan. This is the main benefit of a dental plan that has a network; you pay based on the discounted rate.
The Long Waiting Period is a Drawback to Individual Dental Plans in NY
If you are considering buying an individual dental plan, expect to wait for an extended period that doesn’t apply to patients under group dental plans. For instance, most individual dental plans for NY does not cover fillings for the first six months, while other policies might not offer coverage on some dental procedures for up to 18 months.
Are there Affordable Individual Dental Insurance in NY? Alternatives:
If you are planning to purchase an affordable dental insurance, you may want to forgo traditional dental insurance for an alternative such as discount dental plans. DentalSave discount dental plans provide a significantly reduced out-of-pocket cost on all dental procedures. Unlike traditional dental insurance in New York, discount dental plans have no waiting period, no upfront expenses on deductibles, and no hidden fees. Simply put, discount dental plans are designed to be simple and straightforward.