Dental Insurance Welcome – Staten Island, NY
How to Save on
Your Future Dental Care
When you’re relying on dental insurance, you’re likely thinking of all the ways you can get the most out of your benefits. The team at NU Dental Staten Island is prepared to walk you through the process of maximizing your benefits to the fullest. Got a question about your plan? You can count on Dr. Gizachew and his team to help you find the answers you’re looking for. To learn the basics of using dental insurance, check out our guide below or give us a call.
Understanding How Dental Insurance Works
Dental insurance plans will come with a specific amount that can be spent on dental care annually, known as an annual maximum. After you have met the deductible, insurance will provide a specific amount of coverage until that maximum amount is exceeded. However, this only includes specific services. Since dental insurance is largely focused on prevention, services like cleanings, exams, and X-rays will receive the most amount of coverage. This is just another reason why it’s so important to take advantage of benefits now and lower your risk of suffering from a serious dental issue later.
What Your Dental Insurance Plan Covers
Most dental insurance plans fall into the same general framework. This refers to the 100-80-50 framework, where certain types of treatments are covered at different percentages compared to others.
- 100: Most plans offer full coverage for preventive dental care, such as exams and cleanings.
- 80: Focuses on minor procedures, including dental fillings. These can be covered anywhere between 70 and 80 percent by insurance.
- 50: When it comes to major dental services, such as dental crowns, insurance companies often pay for half the cost.
Keep in mind that cosmetic treatments are not typically covered by dental insurance benefits. However, if they hold any other purpose that’s tied to your dental health, you could still receive coverage (such as porcelain crowns to cover damaged teeth.)
We Offer In-Network Savings & Welcome Out-of-Network Providers
Our dental office partners with many insurance companies. However, if you hold a policy under any of the providers we are currently in-network with, you’re more likely to receive higher savings. With that said, we are happy to accept out-of-network providers. Our team members will gladly work with you and your insurance provider so that you receive the most savings possible. This is another reason why we always encourage patients to contact us with their policy information ahead of their appointment.
We are currently in-network with the following providers:
- Aetna PPO
- Anthem
- Cigna PPO
- Delta Dental PPO & Premiere
- Delta Dental PPO Advantage
- Empire BC/BS
- Emblem Health PPO
- Guardian PPO
- HealthPlex
- Horizon BC/BS PPO
- MetLife
- United Healthcare
- United Concordia PPO