Best New York Dental Insurance

Contributor, Benzinga

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If you have an independent health insurance plan, you shouldn’t assume that your plan includes coverage for your dental care needs. Under the Affordable Care Act, Marketplace plans aren’t required to provide coverage for routine or emergency dental care. This can leave you with thousands of dollars in dental care bills if you have a dental emergency or you need a major procedure. Thankfully, a number of dental insurance providers in New York offer both individual and family plan options.  

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Quick Look: New York Dental Insurance

The Best New York Dental Insurance

There are multiple insurance providers offering comprehensive dental insurance plans in New York for both individuals and families. The best insurance provider will vary depending on the type of coverages that you’re looking for and your budget. Let’s take a look at a few of the most popular insurance providers you’ll see when you search for coverage in New York. 

Humana 

Humana is an independent dental insurance provider offering coverage throughout New York State. Humana offers preventive coverage from just $19 a month for individuals, and you can choose to see both in-network and out-of-network dentists (though you’ll save money by staying within your network). Humana’s higher tier plans even include $100 worth of coverage for teeth whitening services, which is excluded on the vast majority of dental insurance plans.

In New York, Humana offers both dental insurance plans, preventative plans and dental benefit plans that don’t act as insurance but can lower the price you pay for your oral health needs. Humana even offers special plans for veterans in need of affordable care. Most plans also come with waiting periods as low as 7 days, so you can start using your coverage quickly after signing up. 

Best For
Humana Pharmacy
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1 Minute Review

As one of the largest and most popular dental insurance providers in the United States, Humana offers customers a wide network of dentists, with approximately 270,000 current dental care providers. Humana dental insurance lets you save money on costs without traveling far for care. Rates for basic plans are low and include 100% coverage for preventive services. Humana can help you get the most out of your money for dental benefits. 

Best For
  • Families
  • Early retirees
  • Entrepreneurs
Pros
  • Preventive care at 100% coverage
  • Can be used with more than 270,000 dentists nationwide
Cons
  • Annual maximum benefits as low as $1,000
  • Can be used with more than 270,000 dentists nationwide

Guardian 

Guardian offers 2 primary dental insurance plan options in New York: Guardian Advantage Gold and Guardian Managed DentalGuard. With the Managed DentalGuard plan, you could pay as little as $15 a month for coverage, and the plan has no maximum benefit or deductible. However, you must see a dentist approved by Guardian’s network, and you must pay a set copayment that is calculated before your treatment appointment.

At $45 a month, the Guardian Advantage Gold plan is more expensive than the Managed DentalGuard plan. However, it offers you access to a richer network of dentists to choose from and additional benefits over the company’s more affordable plan. For example, major treatments (like dentures and implants) are covered on this plan, while they are not on the Managed DentalGuard plan. If you have a family history of oral health issues, it might be worth the extra monthly expense to protect yourself with this plan. 

get started Call Now securely through Guardian Dental’s website
Best For
Young adults and families with children and teens
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1 Minute Review

Guardian provides comprehensive dental insurance you can buy independently or through your employer. It covers basic and preventive care, as well as more advanced services like root canals, crowns, bridges and dentures. 

Guardian has an extensive network of more than 120,000 providers. It offers a range of plans so you can choose a plan that fits your budget and your dental needs. Guardian’s plans start at just over $8 per month. 

The plans that Guardian sells directly are PPOs, which means you can see dentists outside the network, but you’ll pay more than if you see an in-network dentist. Guardian also offers HMOs through employers. HMOs may not pay if you see an out-of-network dentist. 

Guardian also offers teledentistry, so you can consult with a dentist from home if you’re experiencing issues. 

While everyone should consider dental insurance, Guardian’s affordable plans are especially good for young adults who might have a limited budget and limited dental care needs. Guardian also offers plans with orthodontic care (braces) and regular, preventive service for families. 

Best For
  • Families with children and teens
  • Young adults
Pros
  • Teledentistry
  • Range of plan options
  • Affordable basic plan
Cons
  • Mobile app has limited functionality

Empire BlueCross BlueShield 

Like Guardian, Empire BlueCross BlueSheild offers a wide range of plan choices you can use to balance your monthly budget with dental benefits. The company’s most comprehensive plan choice is the BlueCross BlueShield Essential Choice Gold, which offers 100% coverage for exams and preventive treatments in-network and up to 80% coverage for scheduled and emergency dental treatments.

The Essential Choice Gold plan begins at $40 a month, but Empire BlueCross BlueSheild also offers a range of 4 lower-tier dental insurance plans that can more easily fit into your budget. Empire BlueCross BlueSheild’s plans also offer preferred provider organization (PPO) coverage, which means you can choose to see an out-of-network dentist and still use your benefits if you choose (though you’ll save more money by staying in the network). 

get started Call Now securely through Blue Cross Blue Shield’s website
Best For
Nationwide coverage
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1 Minute Review

Blue Cross Blue Shield consists of 35 separate companies that provide health insurance for roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.

While you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances. 

Best For
  • Desire for a new doctor with plenty of options
  • No cap on annual maximum limits
  • Comprehensive coverage with exclusive discounts and partnerships
Pros
  • Coverage in all 50 states and outside the country
  • Covers both generic and brand-name drugs
  • Wide network of doctors, hospitals and specialists
Cons
  • Plans offered through regional companies, meaning you must look to your regional company for specific policies
  • Main customer service helpline may be difficult to reach

Ameritas

Though Ameritas offers dental insurance that is a bit more expensive than the average in New York state, this insurance provider can be an excellent option if you’re looking for extended coverage for orthodontics. Unlike most dental insurance providers, Ameritas extends its benefits to $1,000 worth of orthodontics coverage on most plans. Keep in mind that, unlike most other minimums you’ll find on dental insurance options, this $1,000 maximum applies to the life of the plan and is only valid for policy members under the age of 19.

get started Call Now securely through Ameritas’s website
Best For
Adult and child orthodontia benefits
N/A
1 Minute Review

Ameritas offers trusted health, dental and vision insurance plans. Find a provider in your area using America’s largest network.

Best For
  • Orthodontic benefits
  • People who have health or vision insurance with Ameritas
  • Large provider network
Pros
  • AM Best Rating A
  • Wide range of coverage options
  • Ortho coverage up to 50%
Cons

Why Do You Need Dental Insurance?

Many men and women don’t fully understand how much money they’ll need to pay for major dental care and treatments without insurance. If you have health insurance, you might assume that these care costs will be covered at least partially by the company that issues your health insurance. However, the truth is that your health insurance plan usually won’t extend coverage to these types of services, which can leave you stuck with unexpected bills.

Dental insurance is an independent policy that helps you pay for a portion of your dental care costs. Most dental insurance plans provide you with complete coverage for routine care (like cleanings) and partial coverage for major treatments (like wisdom tooth removal or fillings). The right dental insurance plan can help you pay for any future dental care costs you run into as well as help your children receive regular and routine care that sets their smiles up for success. 

Try the New York State of Health

You can begin your search for dental insurance by checking out the New York State of Health Dental Plan Comparison tool. You can set your search to include only plans that will best fit you based on your family size, location and budget. Scroll through plan options to learn more about premiums, deductibles, maximum expenses and more that’s included on each plan. You’ll likely be presented with a wide range of coverage providers, so be sure to leave yourself with plenty of time to investigate all of your options. 

Uncover the Best New York Dental Insurance

Finding the right insurance provider for your family can seem like an overwhelming process — but it doesn’t have to be. The insurance plans and providers that you’ll have access to will vary depending on where in New York you live. Consider beginning your search for coverage with a few of Benzinga’s best New York dental insurance providers. 

Frequently Asked Questions

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What does dental insurance typically include?

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What does dental insurance typically include?
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Dental insurance plans typically include coverage for both routine dental care needs (like cleanings and x-rays) and special care needs and treatments (like root canals or cavity fillings).

answered
Q

What does dental insurance typically exclude?

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What does dental insurance typically exclude?
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Most dental insurance plans exclude coverage for cosmetic dental procedures (like teeth whitening) and pre-existing conditions.

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Dental Insurance Methodology

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

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