At eHealthInsurance, we work with top leading carriers that provide dental insurance. Plans differ primarily in how much you'll have to pay monthly for your coverage and how much you'll have to pay when dental services are rendered. Compare New York dental insurance plans and select the dental plan designed to meet both your dental care needs and budget.
New York dental insurance works in much the same way that medical insurance works. For a specific monthly rate(or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
Similar to medical insurance plans, New York dental insurance plans are often categorized as either Indemnity or managed-care plans.
Typically, New York Indemnity plans offer a broader selection of dental care providers than managed-care plans. With an indemnity plan, the carrier pays for covered services only after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier later.
Managed-care plans typically maintain dental provider networks. New York dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan.
New York State Dental Association - Organization representing dentists in the state of New York. Provides dental information and resources to New York residents.