Dental Insurance New York
High-Quality Dental Care at a Lower Price
Do you have dental insurance? Whether it is through your employer or something you purchased on your own, you can view your plan as a precious asset. How can you get the most out of it? Our New York dental practice in 10003 is here to help. As an insurance-friendly dentist, we are in-network with both Cigna and Aetna, and we are pleased to file out-of-network PPO claims. Continue reading below to learn more about using your benefits in our office, or contact us directly to set up an appointment.
How Dental Insurance Works
Every dental insurance plan is different, so it is important that you take time to learn about the details of your unique policy.
Many plans from popular companies are PPO in nature, meaning they allow you to visit any dentist. They often follow this structure:
- Preventive care is up to 100% covered.
- Minor services are up to 80% covered.
- Major services are up to 50% covered.
- Specialty and advanced services, such as orthodontia and dental implants, have greatly varying coverage levels.
It is also common for PPO plans to include an annual benefits limit, a waiting period before you can use certain benefits, and a deductible that you must pay out-of-pocket before your insurance will pay anything.
What Is the Difference Between Dental & Medical Insurance?
Both dental and medical insurance are important for your overall wellness. Medical insurance is about your general systemic health. It covers things like your annual physical, management of chronic diseases, and emergency room care, among other things. It does not cover routine dental care, such as cleanings, exams, fillings, etc. Dental insurance does cover such things. In fact, it has a strong emphasis on preventive oral health services.
In some cases, there is a small overlap between the two types of insurance. For instances, they might both apply to certain types of oral surgery.
In-Network vs. Out-of-Network
If you have a PPO dental plan, you can visit virtually any practice. However, whether or not that practice is in-network may have a slight impact on your experience and your total financial obligation. Here at Gramercy Dental Studio, we are pleased to serve both in-network and out-of-network patients.
In-Network Coverage
If we are in-network with an insurance plan, it means we have a contract with the insurance company that manages fees and enforces a certain standard of care. In some cases, visiting an in-network provider leads to the lowest out-of-pocket prices for patients.
We are proud to be an in-network dentist in 10003 for the following insurance companies:
- Aetna
- Cigna
Out-of-Network Coverage
Even if we are not in your insurance network, we would be happy to file PPO claims on your behalf. You may be pleasantly surprised by how much you can save! Remember that the important thing is to choose a dental team who provides compassionate, highly skilled care that suits your needs.
