NY Individual & Family Dental Insurance Plans

At the Dental Insurance Shop, we work with New York's leading dental carriers that supply dental insurance coverage. Dental plans contrast by how expensive the monthly premium is, the network the plan uses, and the cost of services when the plan is used. Compare dental insurance plans online and shop for the best plan to fit your budget and dental care needs.

Things to consider when buying dental insurance in New York:

Total New York Residents: 19,746,227
Number of Dentists in New York: 15,642
Percentage of Adults in New York who visited the dentist last year: 58.6%
Percentage of Adults 65+ in New York who have had all of their natural teeth extracted: 23.6%

All statistics were provided by the Kaiser Family Foundation

	Number of dentists in New York	Participating Dentists	Dentist Search	Brochure
Denali Dental	15,642	6,708	Dentist Search	Brochure
Spirit Dental	15,642	6,235	Dentist Search	Brochure
Renaissance Dental	15,642		Dentist Search	Brochure
Humana Dental	15,642		Dentist Search	Brochure

What types of dental insurance plans are available in New York?
There are three types of dental insurance plans available in New York and they are:

Preferred Provider Organization (PPO)
Indemnity
Dental Discount

Preferred Provider Organization
Preferred Provider Organization (PPO) dental plans are plans that have a specific network of participating dentists that members can go to see to get their dental work done. This is generally cheaper than an indemnity plan because the dentists agree to negotiated rates with the insurance company to keep costs down for the members of the PPO. You can go out of network with a PPO plan but it will dramatically increase your out of pocket costs.

Indemnity
Indemnity dental plans are plans that allow you to go to any dentist you want, there are no networks. There is a catch though, because you are able to go to any dentist you want the dental companies will only pay Usual, Customary, and Reasonable. What this means for you: When you go see a dentist they will submit it to your insurance company. The insurance company will then go to one of their network providers to see what they would have charged if you would have gone to see them instead. The insurance company will only pay benefits up to what their network provider would have charged and you as the customer will be responsible to pay the remaining balance.

Dental Discount
Dental Discount plans are not true dental insurance plans. The plans are more like buying a membership to a club that gives discounts for specific services that you may need. You must go to provider within the plans network to receive the discounts. You will always pay the provider the specified amount on the card when you get your work done. There is no billing and no insurance forms to fill out.

Our affordable individual and family dental insurance plans in New York offer coverages on many dental care procedures including checkups, teeth cleanings, root canals, x-rays and more. Whether you are looking for the best dental insurance plan, the cheapest dental insurance plan, or just a preventive dental insurance plan, the good news is these New York dental insurance plans are affordable dental insurance that provides coverage specific to your needs.