New York Dental Insurance - New York Dental Plans - Affordable Plan Options

If you live in New York and need a dental plan that will save you money at the dentist, you're looking at the right place. Having a good dental plan will not only help make your care more affordable but it actually encourages good oral health which also will save you money in the long run.

To be honest, with all the confusing lingo and terms, it's not easy for most people to understand how the majority of dental insurance and dental plans for Florida work and then to be able to decide which is best for them.

If your employer doesn't offer dental coverage, you don't need to worry. After helping thousands of individuals and families over the past 22 years, I've seen all the plans and will share with you here what things to look for so you can make the right choice.


When speaking with someone that is looking to purchase dental insurance, one of the things that's asked the most is if the plan has no waiting and can be used right away. That makes sense because often times we don't think about looking for a dental plan until a trip to the dental office is coming up.

Does dental insurance start right away? While every plan varies, one thing I've noticed recently is they specify that they do start right away. But, what does that really mean in their terms?

Well, usually they may cover preventative dental health care like cleanings, exams, and x-rays right away but if you need something more major like a crown, filling, root canal, or extraction it will only pay a small portion, around 20%. You have to wait six to twelve months before the full coverage kicks in.

In addition, dental insurance plans for New York residents usually become effective on the 1st of the following month from when you enroll. So depending on when you enroll, it could be several weeks until even basic services are covered.

Compare this to the New York dental plans such as a dental discount plan. These plans usually have no waiting on anything, including trips to a dental specialist like an endodontist or periodontist and can be used the following day or even the same day as you join.

The plan will be 100% effective meaning you will receive maximum savings on everything from day one.


Individual dental insurance plans (family dental insurance will be higher) in New York, the average monthly premium can range from $20 to $50 per month for basic plans, but can increase significantly for more comprehensive plans that offer a broader range of services and lower out-of-pocket costs.

Some plans might cost upwards of $50 to $100 per month or more, especially if they offer extensive coverage with a high annual maximum and low deductibles. For many this can be out of their budget. And when you take into account the waiting period for full benefit coverage to kick in, deductibles, annual limit, and co-pays you have to ask if it's providing a good value for you.

We believe a dental discount plan provides the most value for most individuals and families in our experience. For a low monthly fee you can be a member of a plan that gives you great savings at the dentist and you can use immediately. There is no waiting or annual limits and even on-going conditions are included. No age limits so whether you're 10 or 90 years of age, you qualify. Many plans also include vision along with the dental so you will get savings on things like eye exams, glasses, and contacts as well.


New York offers a variety of dental insurance plans tailored to meet your individual or family needs. You can select from PPOs, HMOs, or indemnity plans to find the coverage that best fits your situation. (We saved the best plan for last.)

Delta Dental of New York

Delta Dental is one of the largest dental insurance providers in the country and offers a variety of plans in New York, including PPO and HMO (Prepaid) options. They are known for their extensive network of dentists and comprehensive coverage.

Metlife Dental

MetLife provides a selection of dental insurance plans that are popular among individuals and families, offering a range of coverage options from basic preventive care to more comprehensive services, including orthodontics.


Cigna offers dental PPO plans in New York with a large network of dentists. Their plans often include preventive care at no extra cost and coverage for a variety of dental services at different levels.

Careington Care 500 Dental Plan**

Our top pick - Careington provides a dental insurance alternative discount dental plan, offering reduced prices on dental services through a wide network of participating dentists.

This can be a cost-effective alternative for those seeking immediate savings without the complexities of insurance. And it starts at just $9.95 a month

Wherever you live, whether it's in New York City, Albany, Rochester, Buffalo, Brooklyn, Syracuse or another city in New York, it doesn't matter. There are thousands of dentists throughout the state ready take care of your dental needs.

Click here to see if Careington would work for you.


What do dental insurance plans in New York cover?

Dental insurance policies in New York customarily provide coverage for an array of standard preventative services, including comprehensive examinations, oral cleanings, fillings, as well as x-rays. A select number of these plans may also encompass more specialized treatments within their scope of benefits, such as periodontal therapy, endodontic treatments, prosthetic solutions like dentures and bridges, root canal therapies, and various oral surgical interventions.

What do dental discount plans in New York include?

Dental discount plans in New York, offer subscribers access to a network of participating dentists who have agreed to provide their services at reduced rates. These plans are designed to provide discounts on a wide range of dental procedures and services rather than paying for the services outright. The specifics of what is included can vary from one plan to another, but generally, they may include discounts on services such as:

  1. Preventive care: This typically covers routine oral exams, professional teeth cleanings, and diagnostic services like x-rays.
  2. Basic procedures: These often include common dental work such as fillings, extractions, and sometimes deep cleanings or periodontal maintenance.
  3. Major procedures: Some plans may offer discounts on more extensive dental work, including root canals, crowns, bridges, dentures, and sometimes even orthodontics and cosmetic dentistry.
  4. Specialty care: Depending on the plan, there might be discounts available for seeing a specialist, such as an endodontist for root canals, an orthodontist for braces, or a periodontist for gum-related issues.

New York Dental Resources

New York Dental Association - Organization representing dentists in the state of New York. Provides dental information and resources to New York residents.

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