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Best Dental Insurance in New York: Plan Reviews and Comparisons

Contributors:  

Are you looking for the best dental insurance in New York? Because there are so many dental insurance providers in New York, finding the best plan for you can take some time.

However, having the appropriate dental insurance may drastically reduce your out-of-pocket expenses when you require dental treatment, so it's well worth the effort to thoroughly investigate your options.

dental insurance new york
Best dental insurance plans in New York

We've compiled information about the various dental insurance options available in New York, including:

  • What should you look for in New York dental insurance coverage?
  • The best dental insurance providers in New York, compared and reviewed:
    • Dental Dental
    • Humana
    • Guardian
    • Metlife

We hope this article will assist you in choosing the most suitable dental insurance plan for your specific requirements.

Features to look for in dental insurance in New York

When looking for low-cost dental insurance in New York, you'll come across a variety of characteristics that may or may not be important to you. Here are some of the most important considerations:

Low-cost and low-deductible

You may be obsessed with obtaining the lowest dental insurance in New York, but don't overlook the other fees. Consider the following factors while looking for the best suitable plan:

Monthly premium: The amount you pay for your insurance each year or each month, regardless of whether or not you make a claim.

Annual deductible: the amount you must pay out of pocket each year before your insurance company will cover any expenses.

dental insurance no waiting period
Dental plans in New York with no waiting period

Amount/percentage of co-payment: you must pay a set sum or a percentage for each therapy you receive (with your dental insurance provider covering the rest).

Waiting period

Some plans may require you to wait a certain length of time before receiving specific dental procedures. Under certain circumstances, this might take anywhere from 6 to 12 months. If you require dental care right away, make sure you choose a dental insurance plan in New York with no waiting period.

Coverage

When it comes to dental insurance coverage, you should think about the services you'll require. A plan that includes preventive care is, of course, desirable. The good news is that preventive services are usually fully covered by most insurance policies.

If you think you might require orthodontic services like braces or implants, or even teeth whitening, you should look for full coverage dental insurance in New York that will cover some or all of the costs. This is because these services are more expensive.

Types of dental insurance plans in New York

Individual dental insurance

Dental insurance for individuals and group health insurance for businesses function in the same way. The individual dental insurance and employer-sponsored dental insurance differ mostly in how you pay for it.

DHMO, PPO, indemnity, and discount plans

DHMO: You may be obliged to pick a single primary care provider under DHMO plans. These plans are often the cheapest, but they come with fewer benefits.

nys dental insurance
Get coverage with Dental insurance plans in NYC

PPO: Because you may choose from a bigger network of dentists, PPO plans provide greater flexibility than the DHMO plan.

Indemnity plans: In contrast to PPO and HMO dental plans, indemnity plans often have no network restrictions, allowing members to visit any dentist they choose.

Dental discount plans: Dental savings plans, sometimes called dental discount plans, are not the same as dental insurance. You join for an annual fee and get a dental discount card that gives you a flat discount on dental care services.

Combined dental and vision insurance

Some healthcare providers allow you to combine dental and vision insurance into one policy. If you require both types of coverage, this might be an excellent way to save money.

Supplemental dental insurance NY

Supplemental dental insurance is obtained to cover any shortcomings in a policyholder's existing dental coverage. Delta Dental of New York and other health carriers offer a variety of dental insurance products that function as supplemental dental insurance.

Best private dental insurance providers in New York

Several health care providers offer dental insurance in New York. Below are recommendations for some of the most popular dental plans so you can get a sense of what's available.

Delta Dental New York

Delta Dental in New York provides three insurance options.

dental insurance from Delta
Delta Dental of New York

Delta Dental PPO Individual – Basic Plan

This Delta Dental insurance plan covers preventive care 100% right away. This includes cleanings, exams, and x-rays. There is a $50 deductible per person each year. The annual maximum limit is $1,000. Tooth removal and fillings are available after a 6-month waiting period at 50% coverage.

Delta Dental PPO Individual – Premium Plan

Like with the basic plan, the annual deductible is $50. This Delta Dental insurance plan gives you an increased $1,500 annual maximum. Complex and major treatments, such as surgical tooth removal, root canals, gum treatments, denture repair, implants, crowns, and orthodontics, are covered at 50% after a 12-month waiting period.

DeltaCare® USA NYA60 (provided by Delta Dental of New York)

This dental plan has no annual maximum and no annual deductible. It has fixed copay prices instead of percentages. An office visit, for example, will cost you $10; cleanings $20; fillings $25-$120; teeth whitening $125; and gum cleanings $65. There is a reduced fixed price for every service.

humana dental nyc
Humana NYC has the widest choice of policy options

Humana

Humana New York gives only one option, the Bright Plus dental insurance plan. Cleanings, exams, and x-rays are fully covered if you visit an in-network dentist. There is no waiting period for these preventive services. White fillings and simple extractions are covered at 60% after a 90-day waiting period. The plan covers a maximum of $1,250 per year per person.

Metlife dental insurance

Metlife dental insurance in New York provides two DHMO plans and three PPO plans.

Metlife’s DHMO plans

MetLife dental insurance
MetLife NY provides PPO and DHMO insurance for individuals and families

Metlife‘s DHMO dental insurance plans begin at a very affordable price. These two plans have set fees for services. Although the cheap plan has a lower monthly premium, the co-payments are higher. The high plan has a higher monthly premium, but smaller co-payments and some treatments that are fully covered.

Metlife’s PPO plans

Metlife PPO Low Plan: Preventive care, such as exams, cleanings, and x-rays, is covered at 100% with no waiting period. Fillings and extractions have 50% coverage after a 6-month waiting period. The deductible is $75 per person per year. This Metlife dental insurance plan maxes out at $750 per year.

Metlife PPO Medium Plan: This insurance plan has increased coverage on fillings and extractions. Complex treatments, such as crowns, root canals, dentures, deep cleanings, and implants, are covered at 50% after a 6-month waiting period. The annual maximum benefit is $1,500 per year.

Metlife PPO High Plan: The highest Metlife plan, with the most expensive premium, provides a $2,000 yearly maximum benefit. After a 12-month waiting period, it also covers braces and orthodontia at 50%.

Guardian dental insurance New York

Guardian New York offers four PPO plans and one DHMO plan:

Guardian dental NY
Guardian dental insurance offer PPO and DHMO plans with great discounts

Guardian Managed DentalGuard (DHMO)

This HMO dental insurance plan has a cheap monthly premium. Each dentist visit has a fixed co-pay, so you know exactly how much it will cost. To receive benefits, you must visit an in-network dentist. There are no deductibles or annual limits. This plan has no waiting period, making it a fantastic choice if you require immediate dental care.

Guardian Advantage Starter (PPO)

The majority of preventive services are fully covered under this dental insurance plan. Fillings and extractions are covered by 50% after a 6-month waiting period. It has a yearly benefit maximum that will increase over the years. The deductible is $50 per person, but it will be waived for preventive services at in-network dentists.

This New York State dental insurance plan is ideal for people who only need cleanings and occasional fillings.

Guardian Advantage Core (PPO)

The deductible and yearly maximum are the same as those described in the previous Starter Plan. However, this Guardian dental insurance also covers white fillings, crowns, and root canals at 50%.

Guardian Advantage Achiever (PPO)

The plan maximum on this NY dental insurance plan has been set at $1,000 in the first year. White fillings and simple extractions are covered at 70%. With a 12-month waiting period, this Guardian plan also covers deep cleanings, dentures, implants, and braces/orthodontia at 50%.

Guardian Advantage Diamond (PPO)

The Guardian Diamond plan includes everything shown in the Achiever plan. However, the annual maximum has been increased to $1,500, and this New York dental insurance plan offers a 50% savings on teeth whitening with a six-month waiting period.

Guardian dental insurance review

The PPO plans are more flexible than other dental plans in New York. Whether you visit an in-network or out-of-network dentist, Guardian dental insurance provides the same percentage of coverage.

If you require braces, orthodontics, or other major procedures in the future, the Achiever or Diamond Plans might be a good option. However, if you only need preventive care or fillings, a lower premium PPO or DHMO plan will be sufficient.

Comparison

Health care provider

Type of plans offered

Features and benefits

Delta Dental

PPO

Large network of dentists

Humana

PPO

A smaller number of plans but with great benefits

Metlife

PPO, DHMO

Great variety of plans for small and larger budgets

Guardian Direct

PPO, DHMO

Very flexible PPO plans

Details correct at time of writing; check with insurer for current and complete policy details.

Conclusion

A lower premium plan or DHMO will be the best choice if your teeth are in good shape and you simply require preventive treatment and occasional fillings.

Consider the higher premiums and PPO plans for major treatments such as dentures, implants, and braces.

It can be difficult to choose which dental plan would give you the best benefits, but make your choice based on your oral health needs and your budget.

If you want to read about the best insurance option in any other state, please select from the list below.

FAQs

What is the best dental insurance in New York?

Because it is dependent on your unique needs and budget, there is no ultimate option. You may get help finding the best affordable dental insurance plan in New York by visiting Dentalinsurance.com. By entering your ZIP code and date of birth, you can compare the best dental insurance plans in New York. Simply click the button below to get started.

Best Dental Insurance in New York: Plan Reviews and Comparisons
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Contributors:
Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.