Dental Insurance New York Alternative - Consider Dental Discount Plans in NY
New York residents save lots of money by choosing a dental discount plan instead of dental insurance. A discount dental plan entitles you to discounts ranging from 10 to 70 percent off all of your dental needs.
Preventative care usually receives the biggest discounts of 50 to 70 percent off typical dental rates. Orthodontia and cosmetic dentistry prices usually ranges from 10 to 30 percent off. When you take the much lower yearly membership fees and the extensive discounts, you end up saving plenty of money every year.
Differences Between a New York Dental Discount Plan and Dental Insurance
To learn how dental discount plans work, it's easiest to compare it to a NY dental discount plan. With dental insurance, you go to a dentist on the insurer's list of approved dentists. You pay a percentage (co-pay) of all applicable dental services and the insurer covers any remaining balance. Most dental insurance plans pay 80 percent towards preventative dental care, including fillings, and then 50 percent on root canals, crowns and orthodontia. Not every insurance plan has coverage for orthodontics.
In addition to your co-pay, you have a yearly deductible to reach before insurance kicks in. There is also a maximum benefit limit. Once you reach that limit during the year, your insurance will stop paying on any dental care, you then foot the entire bill.
New York dental discount plan coverage throws aside any talk of deductibles and maximum benefit limits. You can go to the dentist as often as you need and receive the same discounted dental price no matter how many times you've already used that discount during the year.
Dental discount plan companies negotiate discounted rates with participating dentists. Often the discounts range from 10 to 70 percent off. Preventative care dentistry affords higher discounts than cosmetic procedures, but unlike dental insurance, a NY dental discount plan is available on cosmetic care like veneers.
New York Dental Discount Plan Offerings Vary
In New York City, there are numerous companies offering NY dental discount plan programs. They include:
- Access Dental
- Affordable Family Health Services
- Alliance HealthCard
- Avia Dental
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- Liberty Dental
- Northeast-Southeast Dental
- Patriot Plan
- Qualident Reduced Fee Dental Plan
- Signature Wellness
Plans range in price from $80 to $200 for a full year. Paying for the full year at time of enrollment may entitle you to a 10 percent discount. It's another great way to save money.