Dental Insurance in Queens, NY
Benefit from Affordable Dental Care
With the right care at home and from your dentist, your teeth and gums can stay healthy and beautiful for a lifetime. As a result, it is recommended that you visit your dentist serving Flushing twice a year for a cleaning and checkup. Unfortunately, many people tend to skip visiting their dentist because they are worried about the cost of care. At NY Smile Creators, we understand your concern. We strive to deliver affordable dentistry by helping you maximize the value of your dental insurance. We work with many leading insurance carriers to help you maintain your oral health while reducing your long-term costs for care.
How Dental Insurance Works?
Every month, you will pay your monthly premiums through your employer for your specific dental policy. In addition, you will have a yearly deductible. After you have paid that amount, your dental insurance will take effect. This will allow you to benefit from an array of cost-savings opportunities to achieve a healthy smile, including:
- 100% preventive care coverage, including cleanings, checkups, and x-rays.
- Minor restorative treatments, like fillings, are covered by as much as70% to 80%.
- Major restorative procedures, like root canals or dentures, covered around 50%.
Depending on your specific policy, you may also benefit from other coverage options as well, including orthodontics, cosmetic treatments, or dental implants.
What is the Difference Between Dental and Medical Insurance?
There are distinct differences between medical insurances and dental. Medical plans cover you for most conditions with a small office copay after a deductible. There is USUALLY NO MAXIMUM to the benefits that a medical plan will pay out. ALMOST ALL DENTAL PLANS HAVE AN ANNUAL MAXIMUM! These plans are NOT DESIGNED TO PROVIDE YOU ANY AND ALL OF YOUR DENTAL NEEDS. They were developed to ASSIST in covering costs for preventive and some routine care.
In-Network vs. Out-of-Network
We work with both in-network and out-of-network patients to help you understand the costs of your treatment while maximizing the value of your policy. We will file the necessary claims and work on your behalf with your insurance company to help you claim your benefits and use them to their full potential.
To maximize the value of your policy, it is recommended that you choose an in-network dentist. This means that they have pre-negotiated rates with your insurance company to lower the cost of care. At NY Smile Creators, we are proud to be in-network with MetLife, Cigna, Guardian, Aetna, and Delta Dental.
Although it may be somewhat more economical to choose and in network dentist- PPO plans give you the freedom to see any dentist you choose. Some services may be more specialized, and you may want to see a dentist that is very skilled in that area. In those cases, you will have to pay the difference between the dentists fees and the maximum allowable amount for that care.
Maximize Your Dental Benefits Today
If you have questions or concerns about your dental insurance, contact our office today. We are more than happy to assist you.