Dental Insurance We Accept

At InStyle Dental, we understand the importance of having access to quality dental care. That’s why we proudly accept a variety of dental insurance plans to help our patients receive the treatment they need and deserve. We are committed to making dental care more convenient, affordable, and stress-free for you and your family. Our team is here to assist you with personalized support to navigate your insurance options smoothly.

Understanding dental benefits and dental coverage is crucial in managing dental care costs effectively. If you do not see your insurance provider listed below, please contact our office so we can provide further assistance.

What Are Dental Insurance Plans

Dental insurance plans are designed to provide individuals and families with access to quality dental care while helping to manage dental care costs. These plans typically cover a range of diagnostic and preventive services, including routine cleanings, X-rays, and teeth whitening. By investing in a dental insurance plan, individuals can save money on dental procedures, from routine fillings and root canals to more complex procedures like crowns and emergency care. In New York, dental insurance plans are available from a variety of common dental insurance providers, offering a range of options to suit individual needs and budgets.

Types of Dental Insurance

There are several types of dental insurance plans available, including PPO plans, which offer discounted rates for in-network dentists, and plans with waiting periods for major services. Some plans may also have annual maximums, deductibles, or limitations on covered procedures. It’s essential to understand the different types of dental insurance and their benefits to choose the best dental insurance plan for your needs. In New York, dental insurance plans may vary in terms of coverage, costs, and participating dentists. By researching and comparing different plans, individuals can find the best dental insurance plan that fits their budget and meets their dental care needs.

Choosing the Best Dental Insurance

Choosing the best dental insurance plan involves considering several factors, including the plan’s network of dentists, coverage of preventive and major services, and out-of-pocket costs like deductibles and copays. You should also consider your individual needs, such as the need for orthodontic care or teeth whitening. By evaluating these factors and comparing different plans, you can select the best dental insurance plan for their needs and budget. In New York, common dental insurance providers like Delta Dental offer a range of plans with varying levels of coverage and costs. By working with a licensed insurance professional or conducting your own research, you can find the best dental insurance plan to meet their oral health needs.

List of Insurance We Accept

Each insurance company may offer several different plans that we accept. Each insurance company offers specific plans tailored to different needs. Please click on any of the underlined insurance company names below to see a detailed list.

• Cigna PPO
• Delta Dental PPO
• Anthem Blue Cross Blue Shield
• MetLife PPO
• United Healthcare (UHC) PPO
• Aetna PPO

It is important to check if your preferred dentist is in the plan's network to ensure the plan meets your needs and facilitates access to necessary dental care.

Payment Methods We Accept

For your convenience, we accept payments made by cash, check, and all major credit cards, including American Express, Discover, MasterCard, and Visa.

Dental savings plans also offer a reduced rate for various dental procedures, allowing members to pay lower rates directly.

How does dental insurance work?

Dental insurance helps reduce your out-of-pocket expenses by covering a portion of the cost for your dental care. Most plans include an annual maximum benefit, deductibles, and coinsurance rates for different types of services. The annual maximum benefit resets each calendar year. Preventive care is typically covered at 100%, while other treatments may be partially covered. At InStyle Dental, we help you understand how your plan works and file insurance claims on your behalf. Our goal is to make the process simple and clear for you by explaining how dental insurance works and ensuring you maximize your benefits.

What does dental insurance usually cover?

Most dental insurance plans cover preventive services such as cleanings, exams, and X-rays at no cost to the patient. Basic services, like fillings and extractions, are generally covered at a percentage. Major procedures, such as crowns and bridges, often have higher out-of-pocket costs. Every plan is different, and coverage may vary based on your provider and plan type. We are happy to explain your benefits and what is covered before any treatment begins.

Can I still be treated if you're out-of-network?

Yes, you can still receive care at our office even if we are not in-network with your insurance provider. Many PPO plans allow you to visit out-of-network dentists and still receive partial reimbursement for covered services. We will help you understand how your plan works and what your financial responsibility will be. In some cases, we can still submit claims for you, or we can provide the necessary paperwork if you prefer to file on your own. Your dental care should never be limited by network restrictions.

Do you offer a discount plan if I don't have insurance?

Yes, we offer options for patients who do not have dental insurance. We believe that everyone should have access to quality dental care, regardless of coverage. Our office provides in-house savings plans or flexible payment arrangements to help make treatment more affordable. These plans are designed to lower the cost of routine and restorative dental services. Please contact our office to learn more about our available discount options.

Can you find out what my plan covers before my appointment?

Yes, we can contact your insurance company ahead of time to verify your benefits and get an estimate of your coverage. This allows us to give you a clear idea of what your insurance will pay for and what your expected costs will be. We recommend providing your insurance information at least a few days before your appointment. Our team will handle the verification process and share the results with you. Knowing your benefits in advance can help you make informed decisions about your care.

Will you submit the insurance claim for me?

We take care of submitting insurance claims for you. Our team is experienced in working with all major PPO insurance providers and will ensure that claims are submitted accurately and promptly. If there are any questions or issues from your insurance company, we will follow up directly on your behalf. You will always be informed of any balances or updates. We want to make using your insurance as convenient as possible

Can you send a pre-treatment estimate to my insurance company?

Yes, we can send a pre-treatment estimate, also known as a pre-authorization, to your insurance provider. This helps confirm what your insurance plan will cover before starting any major treatment. Pre-estimates typically take several days to process, depending on your insurance company. Once we receive the estimate, we will review it with you so you know exactly what to expect. This ensures transparency and helps you plan for any out-of-pocket costs.

What options do I have if my insurance doesn’t cover a procedure?

If your insurance does not cover a certain procedure, we will work with you to find a solution that fits your needs and budget. We offer flexible payment plans, third-party financing, and in-house membership savings plans to help reduce costs. Our goal is to ensure you receive the care you need without financial stress. We will always provide clear cost estimates and explain all of your options before starting treatment. You can count on us to help you make informed decisions.

Schedule Your Consultation

If you are ready to experience patient-focused dental care in a comfortable and welcoming environment, we invite you to schedule your consultation today. Our team is here to help you navigate your dental insurance, explain your benefits, and ensure that you receive the care you need. We want every visit to be as simple and stress-free as possible. Contact us to get started, and let us take care of the details. Call us now at 212-695-2173 to speak with a member of our friendly staff and book your appointment.