Dental Plans In Long Island Ny: What Do They Cover?

Dental Plans

Sometimes you can easily get caught up caring for your body’s health that you may completely forget that your dental health is equally important. Your teeth and gums are an integral part of your overall well-being, and that’s why dental plans in Long Island NY are an important thing to have. Because dental procedures, especially major dental procedures can be expensive, your dental plan can help to reduce the cost of taking care of your teeth.

Dental Plans

Most dental insurance plans won’t cover for dental work. Therefore, you may need a separate dental plan to protect your (and your family’s) gums and teeth. Most insurance dental plans in Long Island NY cover basic dental procedures that will help take care of your oral health. While not all procedures are covered by dental insurance companies, most insurance companies will also cap the amount of dental work that you can do annually with a fixed amount that often ranges from $1000 to $2000.

Procedures Covered by a Basic Dental Plan

Those with dental insurance have a “100-80-50” coverage which means that dental insurance pays 100% of preventive care, 80% for basic procedures, and 50% for major procedures.

Preventive care: The preferred provider organization (PPO) dental plans which you get through your employer will cover preventive care. These include procedures that maintain your health and you must undergo them to prevent major procedures later. Most plans cover two yearly teeth examinations, cleanings, and check-ups. X-rays, dental sealants, and fluoride treatments can also be covered 100 percent.

Basic care: These can include routine procedures such as extractions and fillings. Sometimes root canals are also covered. Dental saving plans often cover up to 80 percent of the total cost of these procedures.

Major care: Dental procedures that may need dental specialists are often considered as major care. This can include crowns and caps, bridges and dentures. Dental plans in Long Island NY may cover over 50 percent of the total cost of all major dental procedures.

Insurance Alternative

When exploring dental coverage consider skipping traditional dental insurance that has long waiting periods, and choose alternative dental discount plans in Long Island NY. You will pay a small annual fee to receive dental services at a discounted rate. A good example is DentalSave whose fees takes care of preventive services that are often covered by dental insurance, as well as teeth whitening which dental insurance rarely covers.