Find the Best Dental Insurance in Buffalo, NY

How to choose dental insurance in Buffalo

About 3 of every 4 Americans have dental benefits. Having coverage lowers out-of-pocket costs for preventive, basic and major dental work. Without benefits, something as simple as a routine exam including X-rays and a cleaning can cost you several hundred dollars.

Dental insurance is similar in many ways to health insurance:

• You pay a monthly premium to get coverage.
• A deductible may apply to some services before the insurance company pays.
• Some services include copays.
• The insurance company pays a percentage of costs for covered services after you meet the deductible (if one applies). You pay coinsurance.
• The insurance company may only contribute up to an annual maximum amount.

When choosing dental insurance in Buffalo, you’ll generally see three types of plans: dental PPOs, dental indemnity plans and dental HMOs.

Alternatively, you may consider a dental savings plan in Buffalo. Dental savings plans are not the same as insurance. You pay an annual fee to become a member — typically less than the yearly cost of dental insurance — and you receive discounted rates on services from select dentists. There is no deductible, copay, coinsurance, annual maximum or waiting period, but you pay out of pocket at the time of the visit.

Choosing dental insurance or a dental savings plan in Buffalo comes down to your individual preference and budget. Make sure to read the details of the benefits closely, including the coverage differences for preventive, minor and major dental care for insurance plans. If you have questions about how a plan works, ask a company representative.