People who see the dentist only twice a year for teeth cleanings often overlook the importance of dental insurance. But accidents happen, and when they do it’s important to have an insurance plan in place to cover the high costs of extensive dental procedures. If you’re unsure of where to start looking for coverage, the team at Pure Dental Care NY in Manhattan is here to offer their comprehensive guide to the most popular options available.

3 Types of Dental Insurance

PPO Insurance Plan

PPO insurance plans allow members to choose from both in-network and out-of-network dentists; however, they will pay less for in-network specialists. PPO plans come with higher premiums and typically a member is responsible for paying the deductible on a treatment before they can receive reimbursement.

HMO Insurance Plan

Individuals with HMO insurance must seek treatment by a dental professional within the network. HMO plans are less expensive than PPO plans, but there are more restrictions on this type of coverage. You must have a referral from your primary dentist before you can see a dental specialist. There is also a limit on the number of times you can see a dentist annually.

Dental Savings Plan

Dental savings plans are a recommended option for individuals who cannot afford full insurance. They provide members with discounts on most types of dental services. Savings range from 10 to 60% off, though it depends on the type of dental treatment you need, as well as the dental care provider. Another benefit of this plan is that there are no spending limits, and even those with pre-existing conditions can qualify.

Talk to your dentist about the insurance companies they work with to reduce your out-of-pocket costs. For a premier dental care provider in Central Park South, count on the team at Pure Dental Care NY. They offer a comprehensive range of services, from routine cleanings to cosmetic treatments. Contact them today at (212) 256-1292 to schedule an appointment or visit their website for more information on their services.