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Best Cheap Dental Insurance in New York (NY)

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Americans are a culture predisposed to smiling — so you probably want to keep your pearly whites looking their best. We’ll guide you through the best companies for dental insurance in New York.

The Best Dental Insurance in New York:

Types of Dental Coverage

You can choose from many types of dental plans. The 3 most popular are PPO, DHMO and discount or referral dental plans, according to the American Dental Association (ADA). Let’s take a deeper look. 

  • Preferred provider organization (PPO): A PPO is a dental plan that uses a network of dentists who have agreed to provide dental services for set fees. The dental services covered depend on the plan you choose. If you see an out-of-network dentist on a PPO plan, you’re likely to pay more out of pocket.
  • Dental health maintenance organization (DHMO): Similar to a health maintenance organization (HMO), a DHMO is a network of dentists who receive a monthly fee to provide covered dental services to you. Regardless of what you do, the dentist gets paid. In this type of plan, some services are fully covered and other services require a copay. 
  • Discount or referral dental plans: The dentists contracted in this type of plan agree to discount their dental fees. The applied discounts are typically good for all services including cosmetic procedures. You pay for treatment at the plan’s reduced rate rather than the plan paying the dentist in discount or referral dental plans.

What Does Dental Insurance Cover?

When you’re looking for a dental plan, you’ll usually see it described as “dental benefits” rather than “dental insurance.” Dental benefits work a bit differently than health insurance. Both dental benefits and health insurance allow for preventive care.  

The purpose of a benefit plan is to cover certain prearranged costs. Some procedures in a dental benefit plan are fully covered and only a percentage are covered in others. For example, your dentist may recommend teeth whitening or veneers. These are cosmetic procedures that are not often covered. Before you decide on an elected procedure, double-check your benefits. That way, you’ll be prepared for the bill if you decide to proceed. 

Dental plans usually cover some or all of the cost of preventive care. Preventive care includes cleanings, X-rays, fillings, crowns, root canals and oral surgery. You’re normally covered for 2 preventive visits per year or every 6 months. Some plans also include orthodontics (braces), periodontics (bridges) and prosthodontics (dentures).  

What Does Dental Insurance not Cover? 

Just like a bite is different from person to person, dental plans vary from provider to provider. Make a list of providers and what they offer to compare the plans you’re considering. Look at the primary elements of each dental plan, then look at the opportunities to add services as well as the costs associated with the base plan and upgrades. For example, if you have kids, you may want a plan that includes orthodontic coverage, which is typically an upgrade.

You might ask yourself if dental insurance is worth it. That answer is really up to you, but there are some things to consider like hereditary issues, the incentive benefits provide you to keep you on track and whether you’re self-employed. It might not be worth it if you already get insurance from your employer or your dentist doesn’t accept insurance. 

You’ll need to weigh the pros and cons. But remember, the right dental plan can help keep you calm, happy, healthy and smiling. 

Average Cost of Dental Insurance in NY

Dental insurance costs an average of $15 to $150 a month in the United States. That’s $180 to $1,800 a year. Many things come into play with monthly and yearly costs. For example, how many people will this plan cover? What’s your deductible? (A deductible is an amount that you pay until insurance takes over.) A high deductible, or the amount you pay before insurance pays, usually means a lower rate. What services does the plan include? Your rate will increase the more services increase. 

Discounts for dental insurance are few but they do exist. Bundling your health insurance with vision and dental benefits is the best way to get a discounted rate. 

Preventive maintenance is another way to spend less. Your biannual exams help to catch problems early when problems are small and simpler to solve. And that can mean the difference between a filling and root canal.  

If your budget is thin, don’t worry. Affordable dental insurance options do exist.

What to Look for in a Dental Provider

There’s much to consider when choosing a dental provider. Examine the coverage, the network and the fine print. 

Consider who else you need to cover as you figure out what coverage fits you best. Think about your family size — are you single or married? Do you have kids? Believe it or not, the ADA recommends that kids see an orthodontist at age 7. Figuring out just who your dental plan needs to cover helps you figure out what you need because it’ll narrow your options. 

Remember to look at the networks that connect to each plan. Look for dentists in your area and how many of those dentists currently accept new patients. Dentists in New York City won’t help you out if you live in upstate New York. If you already know what dentist you’d like to see, you’ll need to see if they’re on your list. 

Finally, pay special attention to when the coverage begins and if any services are only available after a certain amount of time. For example, if your wisdom teeth are causing you trouble, check to see if you can get them removed immediately or whether you’ll have to wait until that part of your coverage kicks in. If there aren’t any pressing issues in your mouth, it won’t matter, but if you need something done soon, then it’s an important detail.  

Best Dental Insurance Providers in NY

You’d expect nothing less than an abundance of providers of dental insurance in New York — and you can get them. Delta Dental, MetLife Dental and Guardian Dental are the 3 best dental insurance companies in the U.S. Let’s zoom in on the best choices in New York. 

1. Delta Dental: Best Overall

Delta Dental is available nationwide. Its breadth and depth of experience is a benefit to you — just ask the more than 95% of enrollees who keep coming back year after year. How do they earn repeat business?

Delta says it’s due to its fewer out-of-pocket fees and plenty of straightforward in-network usage and claims processes. More money in your pocket, more choice and less hassle will make you smile. 

2. Humana: Cheapest Dental Insurance in NY

Looking for cheap dental insurance that’s going to take care of you, too? Humana could be your best bet. Humana offers multiple plan options at varying coverage levels and an array of costs.

Plan options include PPO, DHMO, discount and value options. You’ll have to sift through the plans to find the one that fits you best. Humana lets you choose your dentist whether it’s in network or not. You can save by choosing an in-network dentist.

3. Nationwide: Best for Options

Nationwide offers dental insurance through its Multiflex Dental Insurance brand. Multiflex offers “affordable dental coverage to individuals of all ages.” This coverage starts at about $20 per month. You can also choose a plan that’s diagnostic and preventive-only.

The company also guarantees acceptance, fast quotes and easy enrollment. You can choose from many coverage options and you get a lot of choices for how to pay, whether you pay monthly or yearly, online, through the mail or speak to a customer service agent. Nationwide is a good choice for you if you like the freedom to choose your plan, dentist and payments.

4. DentalPlans.com: Best for Comparison

DentalPlans.com is like having a personal assistant to help you choose a dental plan. Go to Dentalplans.com, type in your ZIP code (at the bottom of the page) and a bunch of options appear. From there, you can drill down into what each option covers and what its cost will be.

You can save more money by choosing the site’s featured plan. DentalPlans.com also offers dental savings plans for an $80 yearly membership fee — you get access to a network of dentists to save on treatments. 

Something to Smile About in New York

Get yourself ready and willing to flash that toothy grin — you can find New York plans that fit your budget and your needs. When you’re ready, compare and choose the option that suits you best. 

Frequently Asked Questions

1) Q: How does dental insurance work?

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1) Q: How does dental insurance work?
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A dental insurance plan charges a premium in exchange for covered benefits. Unlike health insurance plans, dental insurance plans usually have a cap on benefits, which means your plan may stop providing coverage once you reach the annual cap, often between 1k and 3K. Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings, fillings, etc. Many plans don’t cover braces or elective cosmetic procedures. Get the cheapest premium here.

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2) Q: Is dental coverage part of health insurance?

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2) Q: Is dental coverage part of health insurance?
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Some health insurance plans bundle dental coverage as well but, in many cases, dental insurance is a separate plan. Healthcare plans that are ACA-compliant are required to offer dental coverage to children but there is no requirement that adults have dental insurance coverage. Choosing a separate dental insurance plan can be a cost-saving step and helps make dental health costs more predictable. Check out our best providers for the cheapest rate.

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3) Q: What kinds of dental insurance are available?

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3) Q: What kinds of dental insurance are available?
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Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low by keeping services within controlled network. Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans. A third option is called a dental indemnity plan, which pays a fixed amount or percentage for covered services. Compare quotes from our top providers for the best price.

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