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New York Dental Insurance

2023 Dental Plans in the Empire State

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A Shopping Guide for NY Dental Plans

By Insurance Industry Expert & Author
Updated on

Struggling with the cost of living in New York and want to lower your dental insurance costs? We've analyzed over three dozen 2023 dental coverage options in the state and have the data to help you find the best dental plans in New York for your budget. In this guide, you’ll find:

Types of Dental Coverage

Before reviewing our findings on New York dental plans, it's important to clarify a few terms that we will use:

Premiums & Deductibles: Dental Insurance Doesn't Have to Be Expensive

Contrary to popular belief, quality dental coverage does not have to have a high price tag. Premiums (i.e. the monthly fee for dental coverage) in our study were was low as $5.10 (the "MetLife TakeAlong Dental HMO-Managed Care 350 (Low)"). The average premium across 37 NY plans was $40.11 for a 33 year-old applicant. Three of these plans were HMOs, one a dental discount program, and the remaining 33 were PPO dental plans. The HMOs and discount program were among the most affordable plans but also had the most restrictive network conditions.

Since dental benefits are not standardized, it is extremely important to consider premium cost in light of what dental services are covered. For example, none of the three HMO plans reviewed covered dental implant treatments. These same plans offered orthodontic care, which is a dental benefit absent in many of the PPO dental plans. We also observed that none of the PPO plans whose premiums were below $22 a month covered major dental care such as root canals or crowns. Given these variations in coverage, it is essential for New Yorkers to review the Summary of Benefits (or Plan Details) for the options they are considering for purchase.

89 percent of the New York dental plans examined paid for regular teeth cleanings without any out-of-pocket costs for the enrollee. Filling expenses were covered at an average of 64 percent of total cost by PPO plans. The lowest coverage in the first year of PPO enrollment was 20 percent of filling cost and the best coverage was 80 percent. HMOs charged flat-fee copayments instead of coverage a percentage of costs, with the average cost being nearly $29 for a traditional filling. The HMO copayments ranged from $25 to $36. The charge for a filling under the dental discount program started at $80.

The ceiling on a plan's reimbursements for enrollee dental care is known as the plan's "maximum annual benefit." The three HMO plans included in this study did not have a maximum annual benefit limitation, nor did the discount program have a limit on annual consumer savings. PPO plans, on the other hand, did have such caps and they made up the majority of plan options available within this study. The lowest of the benefit caps was $500 per year. However, some plans had a maximum benefit that increased over time. For example, the Renaissance MAX Choice Plus had a maximum benefit of $1,000 in the first year of enrollment, $2,000 in the second, and $3,000 in the third and subsequent years of continuous enrollment. The average maximum benefit for plans having this spending cap was $1,703 (in the first year of coverage). The two plans with the highest maximum benefits both had a $5,000 cap on annual spending: The Humana Extend 5000 and the NCD Nationwide 5000 plan.

Deductibles did not vary among plans to the same degree as maximum benefits. Deductibles are the amount spent out-of-pocket by a dental plan enrollee before the plan begins sharing the cost of dental services. Some plans had no deductibles. This was the case for the three DHMOs included in the study as well as the dental discount program. For the plans charging deductibles, the highest amount for an individual was $100 annually. Family deductibles were higher and were often based on the number of family members covered by a policy (e.g. $50 per family member annually).The average deductible for a single enrollee among plans with deductibles was $51.35.

Major Services

Major dental services include care such as crowns and root canals. This can be very expensive care. For dental coverage of crowns where a flat fee was charged in 2023, a dental discount program within the study had the highest copayment ($701 for members of Careington's 500 Series Dental Savings Discount Card). HMO plans' crown copayment charges ranged from $245 to $430. 14 percent of the NY coverage options reviewed did not include crowns among their dental benefits. Most PPO dental plans contributed a percentage of the crown cost with the average being 49 percent of the total cost, the remaining 51 percent of the cost paid by the plan enrollee.

Root canal procedures had similar cost-sharing trends as found among crowns. Some plans didn't cover the care, others had flat fees between $110 and $399, and the rest had coinsurance payments. With respect to this coinsurance, the plans paid an average of 49 percent of the cost of the root canal.

#shopHow to Shop with Confidence

Armed with your knowledge from this article, it's time to compare rate quotes for New York dental insurance. The following link will get dental insurance quotes in a matter of seconds. If you are interested in what your fellow New Yorkers are purchasing, below is a list of the bestselling New York dental plans on

Our Best-Selling Plans in New York

Empire Blue Cross Blue Shield Logo

Essential Choice Incentive

Waiting Periods: Preventive – none, Basic – none, Major – 12 months

Plan type: PPO
Plan Maximum: $2,500

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Delta Dental Logo

Immediate Coverage Plan

Immediate coverage with no waiting periods for most services. Generous plan maximum.

Plan type: PPO
Plan Maximum: $3000

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Guardian Logo

Advantage Achiever

Rich benefits with maximums increase each for year the first 3 years.

Plan type: PPO
Plan Maximum: $1000 - $1500

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Chart of NY Dental Plan Details for this Study

Chart of New York Dental Plan information


New York State Dental Association (NYSDA)

The NYSDA represents 13,000 member dentists throughout New York State. This powerful partnership is enhanced by 13 local dental societies within the state of New York.

MouthHealthy: Oral Care Resources

The website provides education (good oral health habits, top dental concerns, nutrition, etc.) categorized by age group and life stage (pregnancy, babies/children, teens, adults under the age of 40, adults ages 40 to 60, and adults over age 60.

Low-Cost New York Dental Care

The FreeDentalCare website lists free and low-cost dental services located in the state of New York. This site collects information on free dental clinics, sliding-scale clinics, low-cost clinics, and non-profit clinics. These resources may have limited capacity or eligibility criteria (e.g. income level).

New York State

Excelsior (Ever Upward)

  • Capitol: Albany
  • Nickname: The Empire State
  • State Bird: Eastern Bluebird
  • State Flower: Rose

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