Many new patients to New York City often ask about dental insurance options. There are three main types of dental insurance available.

Medicaid

The first type is Medicaid, which is a government-subsidized plan. With Medicaid, patients can only visit Medicaid dental providers, and there are limitations on restorative treatments. Cosmetic work is typically not covered under Medicaid dental insurance plans.

HMO/DMO/DHMO

The second type includes HMO, DMO, and DHMO plans, which are community-based. Under these plans, patients are assigned a specific dentist and must receive all care from that dentist. If a specialist is needed, a referral is required. These plans significantly limit the choice of providers.

PPO

The preferred option is a PPO plan. PPO dental insurance plans are employer-based and offer the freedom to see any dentist. Many PPO plans include out-of-network benefits, though some may only offer in-network benefits, so it's important to check the specifics of the plan. Ideally, a plan with out-of-network benefits is best, as it allows patients to see any dentist and typically covers a wide range of services, including cleanings, fillings, crowns, dental implants, dentures, and partials. While PPO plans usually involve some out-of-pocket expenses, they contribute up to a maximum amount, such as $2,000, towards dental health. Therefore, a PPO, employer-based dental insurance plan is generally the best choice.