The New York Dental Plan is a new way to save money on all your dental expenses, with up to 60% in discount. The plan offers flexibility in that you can tailor it to your specific needs as required. The dental plan is available with leading dental providers and over 100 000 dentists nationwide. The plan works on a membership basis where you only pay a small annual fee for more benefits as compared to insurance. In short, it's an alternative for dental insurance.
Difference between dental discount plans and dental insurance.
There are a number of differences between the two which mainly give dental discounts an upper hand. This include:
1. Whereby you pay expensive monthly premiums for dental insurance, with a dental plan you only need pay a small annual fee.
2. There are no waiting periods with discounted dental plans unlike with insurance.
3. Unlike dental insurance, discounted dental plans do not have any annual limits.
4. Dental plans ensure you have no paperwork issues as before with dental insurance.
5. While dental insurance just covers a part of your bill, dental plans work by offering discounts of between 10-60% off your total bill.
6. There are discounts on cosmetic dentistry, which is not covered under dental insurance, with discounted dental plans.
Senior Dental Plans New York
As you age,you realize that you require more visits to the dentists. Without a proper plan, and thanks to expensive and limiting insurance premiums, many seniors shy away from their recommended dental visits given the expensive dental costs. It is important to note that poor oral health increases the likelihood of a heart disease,stroke and respiratory infections. This is why there is the senior dental plans ny.
Most dental insurances only cover the common dental procedures and do not include the much needed services like implants and dentures for seniors. Most also neither have age limits or other limitations for senior citizens.
The senior dental plans ny allows you to choose your own plan for your specific dental needs, with very low annual premium, going as low as between $9 to $12 a month. You also have the freedom to shop around for a plan that fits you at the lowest cost, with over 40 000 dentists to choose from. The discounts range between 10-60% off your total dental bill. Discounted dental plans also offer the flexibility to change your plan in case dental needs change, but you would have to discuss it with your dentist first.
It is however important to note that with the senior dental plans ny, you pay the discounted amount and no reimbursements are made. This means that there is no paperwork or claims. You can basically pay for the plan now and use it at the dentist's in half an hour. The discounted dental plans require no copay/ deductibles and have no maximum annual limits. If you have insurance and it reaches its annual limit, you could opt to use a dental plan for the rest of the year.
The senior dental plans ny is there specifically to save you serious money. With the plan, dental insurance is out of the question, as it offers the same quality at greatly reduced prices. The discounted dental plans are the best options for seniors without access to employer plans or who can not afford expensive insurance premiums. You can also opt to work with both a discounted and insurance plan. Whichever way you take it, with a discounted dental plan, you no longer have to miss a dental appointment, but instead you will have even more reasons to smile.