Find the Best Dental Insurance in New York State

New York State has a range of dental insurance options to choose from, but finding the best one for you can be a challenge. There are over 20 different dental insurance companies operating in the state, each with their own unique plans and pricing.

The cost of dental insurance in New York State varies depending on factors such as age, income, and family size. On average, a single person can expect to pay around $300-$500 per year for a basic dental insurance plan.

New York State has its own insurance marketplace, NY State of Health, which offers a range of dental insurance plans for individuals and families. These plans can be purchased during the annual open enrollment period or during a special enrollment period if you experience a qualifying life event.

Explore further: Ghi Dental Insurance New York

If you're looking for a dental insurance plan in New York, you have options. Many people find value in buying dental coverage apart from their medical plan because separate plans usually offer more choices and may have better benefits to meet the needs of your whole family.

Availability of separate dental plans varies by state. In New York, eHealth offers the best dental plans for individuals and families from trusted carriers at affordable prices that fit your budget.

Consider enrolling in a separate or stand-alone dental plan, which you can buy any time of the year. This way, you can get coverage for routine preventive care to complex procedures like root canals.

A dental plan can save you money on dental care and help protect the health of you and your family. For example, Anthem dental plans cover cleanings, exams, and X-rays at 100% with no waiting period when you visit a dentist in your plan's network.

If you're looking for a plan that covers children, orthodontics, and dentures, Anthem offers dental plan options that fit your needs and budget. Their plans cover preventive care like regular cleanings, exams, X-rays, and procedures like fillings, crowns, and root canals.

Here are some things to consider when choosing a dental insurance plan in New York:

By considering these factors, you can choose a plan that's right for you and your family.

You have a variety of dental insurance plan options to choose from in New York.

Anthem's dental managed care plan is an easy and affordable option that covers about 500 dental procedures, including low copays and no deductible.

Separate or stand-alone dental plans, like those offered by Anthem, can cover routine preventive care to complex procedures like root canals, and you can buy them any time of the year.

Some dental plans, like those offered by Delta Dental Premier and Cigna PPO, are designed to cover extensive dental care, including major procedures, reducing your dental insurance costs significantly.

Here are some key features of Anthem's dental managed care plan:

You can also consider Essential Choice PPO dental plans, which offer a range of options to help you save money on dental care, including diagnostic and preventive care covered at 100% with no waiting period.

You might enjoy: Dental Insurance and the Affordable Care Act

Dental Family PPO Insurance Plans are another option, which provide a range of benefits to meet your dental needs and budget, including low deductible and diagnostic and preventive services covered at 100% with no waiting period.

Here are some key features of Dental Family PPO Insurance Plans:

New York dental insurance plans typically cover preventative exams, routine teeth cleaning, fillings, and x-rays. Some plans also cover periodontics, endodontics, dentures, bridges, root canals, and other surgical procedures.

Full coverage plans, such as those from MetLife PPO and Empire BCBS/PPO, offer extensive benefits across preventive, basic, and major services. These plans are ideal for individuals and families looking for comprehensive dental care with minimal out-of-pocket costs.

Adults enrolled in Medicaid in New York are eligible for dental services through the Healthy New York Plan.

A unique perspective: Dental Insurance in New Hampshire

In New York, dental insurance plans typically cover preventative exams, routine teeth cleaning, fillings, and x-rays.

Some New York dental insurance plans cover periodontics, endodontics, dentures, bridges, root canals, and other surgical procedures.

Full coverage plans, such as those from MetLife PPO and Empire BCBS/PPO, offer extensive benefits across preventive, basic, and major services.

These plans are ideal for individuals and families looking for comprehensive dental care with minimal out-of-pocket costs.

Adults enrolled in Medicaid in New York are eligible for dental services through the Healthy New York Plan.

Children are also eligible for dental benefits through New York Medicaid.

The Essential Plan, which is New York state’s Basic Health Plan, offers coverage outside the exchange for low-income adults and provides preventive, routine, and major dental care for adult enrollees.

Child Health Plus, which is New York’s CHIP, provides dental coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid.

Suggestion: Long Term Care vs Life Insurance

If you're purchasing dental coverage through the health insurance exchange, your premiums for pediatric dental coverage might not be fully offset by premium tax credits.

For families buying a plan, the premium tax credits may or may not cover the costs of pediatric dental coverage, depending on the health plan's structure.

To get the best deal on pediatric dental coverage, you should search online for dental discount plans specific to your state.

Your state's dental discount plans can be found by searching online, and it's a good idea to compare prices and benefits before making a decision.

You might like: United Health One Dental Insurance