Today, there are a variety of options that can help you reduce out-of-pocket dental care costs. Some of the common dental insurance options include indemnity, HMO, and PPO dental insurance plans. You can also consider a dental savings plan which is the best dental insurance Long Island NY alternative if you are looking for an affordable plan.
Dental Indemnity Insurance Plans
These are fee-for-service types of dental insurance that will require you to pay your dentist directly for their services. You will receive compensation from your insurance company after you submit a claim form. When covered by this insurance plan, you will have to wait for a long time before you receive compensation. You will also be required to pay the difference in case the dental fees are higher than the reimbursement.
HMO Dental Insurance Plans
These plans are more affordable compared to PPOs and indemnity plans. The HMO dental insurance plan has a network of dentists that are under contract and they offer dental services to insured members. These plans are often used by businesses to insure their employees but they can also be used by individuals and families. One of the advantages of these plans is that they have lower premiums compared to other dental insurance options. However, they impose strict restrictions, for instance, in case you visit a dentist outside the network, you won’t get reimbursed.
PPO Dental Insurance Plans
Also known as DPPOs (dental preferred provider organizations), these plans are a popular insurance option because they give you the freedom to choose your dentist. PPO dental insurance plans have less limitation compared to HMOs. However, the premiums are higher and you will have to wait for a long time before you get reimbursed. Businesses that want to provide their employees with valuable dental benefits often go for these plans.
Dental Discount Plans -The Best Dental Insurance Long Island NY
Although dental discount plans are not insurance, they provide individuals, families, and businesses with affordable dental care. The majority of the dental plans you will find at DentalSave offer savings of 20% to 50% at network dentists. As a member, you will pay a small monthly or annual fee to be able to access the extensive network of dentists that provide discount dental care. Since this best dental insurance Long Island NY alternative isn’t insurance, you won’t pay deductibles, co-payments or experience annual limits or waiting periods.