As a fellow employer in New York State, we understand that New York dental insurance is very important to employees as part of their overall health insurance program.
As a premier NY insurance agency, we’re dedicated to providing you and/or your business with New York dental insurance options you deserve.
What types of New York dental insurance are available?
NY Dental Insurance Indemnity Plan
This type of dental insurance plan may be most helpful if your employees want to stay with their current dentist and he/she does not participate in a dental network.
The NY dental insurance company generally pays the dentist a percentage of the services performed based on the policy schedule you purchased.
In addition each employee will want to review the co-payment requirements, waiting periods, deductible, annual limitations, graduated percentage schedule scales based on the type of procedure and/or length of time they have owned the policy prior to starting the dental work.
Dental HMO
In-network dentists agree to the NY dental insurance company’s insurance fee schedule and give insured of that dental insurance company a reduced cost for services as an In-Network Provider.
Many Dental HMO insurance plans have little or no waiting periods, no annual maximum benefit limitations, and depending on the New York dental insurance plan chosen can offer major dental work near the start of the policy period.
Some NY dental HMO insurance plans offer free semi-annual preventative treatment as part of the policy.
Participating Provider Network (PPO)
In many cases of NY dental insurance, the PPO works similar to a Dental HMO plan as long as the employee is using an in-network dentist.
However, it allows you to use an out-of-network or non-participating dental providers.
There is often, but depending on the dental care plan, a difference in the amount of benefit provided to employees using out-of-network dentists.
Dental insurance is an important addition to any quality health insurance program.
That is why it’s important you call a Murray Group health insurance specialist at (518) 456-6688 to discuss your New York health insurance needs.
It’s all about you and your business we’d like to help you choose a comprehensive NY State health insurance plan.
If you’d like to contact one of our NY health insurance specialists by email Click Here.
Let one of our insurance experts get you started on the right path with more information and a free New York health insurance quote today!
