Dental Insurance in Bethpage, NY & Levittown, NY
Dental services and products are often essential for maintaining oral and overall health and well-being. But visiting dentists and other providers, undergoing treatments and remediating issues can impose significant costs. Fortunately, by understanding and retaining a suitable dental insurance plan, you and your family can secure access to essential care while potentially limiting your out-of-pocket costs.
Why Do I Need Dental Insurance? 
Firstly, it’s important for you to understand that dental care is not typically covered by your general health insurance. Like vision insurance, you typically need to acquire dental insurance as a separate policy. Neglecting to do so could mean you’ll need to pay substantial bills out of pocket, which might even inhibit your ability to get the care you need in the first place.
What Can My Plan Cover?
Dental insurance plans can come in many forms and may be customized to suit your personal preferences, coverage needs and budget. Still, many policies may offer financial aid for similar services and products, such as the following:
- Routine checkups
- Cleanings
- X-rays
- Fillings
- Extractions
- Crowns
- Bridges
- Root canals
- Dentures
How Does Coverage Work?
How much of your dental bills are covered by your insurance can vary based on the services you receive and certain details of your policy. Familiarize yourself with the following terms and how they might affect your coverage and costs:
- Your premium is how much you pay regularly (e.g., monthly) to keep your coverage active.
- Your deductible establishes a minimum amount you pay out of pocket in a plan year before being eligible for financial aid.
- Your copays are out-of-pocket fees you pay for specific services, such as cleanings and X-rays.
- Your coinsurance functions similarly to copays, but works as a percentage of total costs rather than flat fees.
- Your annual maximum limits how much your plan can pay out in a single year.
How to Get Dental Insurance Near Me
If you or your family need dental coverage, the team at James V. Funaro Agency can help you find the right plan. Contact us today to start a dialogue.