DrDental, Individual Insurance Alternatives for New York.
Question: Dental insurance plans right now for me are just too costly running anywhere from $40/$45 on the low side to $60/$75 on the high side just for an individual dental insurance plan. Is getting a low cost dental discount plan really a good alternative to dental insurance?
Answer: The dental discount plans that we offer on this site in New York run from $6.00 to $9.95 an individual so you see they are certainly less costly. The main thing to understand about a dental discount plan is that typically you are paying for everything just at a reduce cost that will hopefully make your dental care more affordable for you. For the price and like with anything else if you use it, a dental discount plan will save you money making the plan worth buying. You do need to go to plan provider so make sure you check that you have dental providers in your area before buying a dental discount plan.
In addition to our Careington, Q-Direct Plus and Aetna Denta Choice discount plans we also provide HMO insurance options though Assurant and Healthplex. Yes with these plans you are paying for them on a yearly bases so their cost range is $152.10 – $177.00 plus their one time application fee for an individual but they are still much lower then a monthly cost of $40-$75 a month that you been finding. So if you can afford to paid an annual option you may want to also review our HMO options that are available to you in the state of New York