New York Dental Insurance Alternative
Compare...
NY Dental Plan (CAREINGTON Plan 504 for New York) vs. typical Dental Insurance for individuals and families -- here's a quick comparison of dental saving options.
| Feature | Dental Plan | Dental Insurance |
| Sample Monthly Cost |
Individual - $6.95/mo. | Individual - $30 to $40/mo. or more (varies by Zip Code). |
| Dentists | Must use plan network dentists. | May use any dentist (except orthodontics). |
| Benefits | Published discounted fees. Save 20% to 60% on most procedures. |
Typically, $1000 to $1500/year, subject to deductible, coinsurance, and "maximum allowable" limits. |
| Waiting Period for Benefits | No waits! Existing conditions accepted immediately (except dental work actually in progress). | No wait for preventative (cleaning). 6 - 12 month wait for basic (fillings). 12 - 18 month wait for major (dentures, crowns, specialists). |
| Deductible | No deductible. Full discounts apply immediately. |
Typically, $50/year deductible. |
| Feature | Dental Plan | Dental Insurance |
| Annual Benefit Limit | No limit. Members enjoy unlimited use. |
Typically, $1000 to $1500 per year |
| Claim Forms Needed? |
No | Yes |
| How Quickly Can You Begin? | You may begin immediately (backdated to 1st of this month), or the first of next month. |
Begins the 1st of the month following receipt of application and payment. |
| Monthly Payment option available? | Yes | Yes |
| Age Limits | All ages accepted. Child alone OK. No upper age limit for seniors. |
Age 18 to age 65. Child under 19 may join with parent. |
Dental Insurance - the primary advantage is (normally) you can go to any dentist for covered dental services. The disadvantages are - higher monthly cost, long waiting periods for services (except preventative), claims paperwork, deductibles, re-imbursements based on "maximum allowable charges," and an annual limit on insurance benefits.
Dental Plan - the main disadvantage is that you must use plan dentists for benefits. The advantages are that you may begin immediately, no waiting periods for services, existing conditions are accepted immediately, low cost, no paperwork, and no annual limits.
Summary...
For individuals and families, it is rare to come out "ahead" with dental insurance.
Simply put, no insurance company can stay in business by paying out more in insurance benefits than it collects in premium. Normally, if you have a suitable selection of plan dentists in your area, a good dental plan is your fastest and most efficient way to meaningful dental savings.
Join Today, the best discount dental plan available in New York. No waits!