Dental Coverage

Dental Coverage for New York Residents

Dental Coverage for New York Residents.

As Medicare Parts A and B do not include routine dental services, my clients have asked for some recommendations on plans available in New York.  After conducting some online research for an individual plan based on my Schenectady County, New York address I have learned there are three paths to consider, with options available within each:

Dental Insurance  |  Dental Savings Plans  |  Dental Riders to Medicare Advantage









Dental Insurance Plans

Cigna Quote  Application
Physicians Mutual Information

Dental Savings Plans

Much like membership in AAA, AARP or other associations representing a large group of buyers, joining a Dental Savings Plan can reduce the your cash price for preventative and comprehensive dental services at offices offering the group discount.

  1. VitalSavings by Aetna  Present your dental savings card at participating dentists in the US and save 15-50%
  2. Ameriplan $24.95 to $39.95 monthly offers similar savings at dentists nationwide. Call 1-800-647-8421

Dental Riders added to a Medicare Advantage Plan

Medicare Advantage plans are designed to provide medical and prescription drug coverage foremost. Some may include an additional benefit such as preventative dental such as one or two cleanings per year.  Other Medicare Advantage plans offer an optional add-on Dental Rider which provides coverage beyond the preventative / cleanings. For example, in the New York Capital Region I am familiar with the add-on rider available through these Medicare Advantage companies:

Company MA Plan MA Prem + Dental  Comments
United Healthcare
$100 deductible
20-50% co-insurance
$1000 maximum benefit
Download Information (PDF)
United Healthcare
$100 deductible 
20-50% co-insurance 
$1000 maximum benefit
Download Information (PDF)
$50 deductible
50-55% co-insurance
$1000 maximum benefit
Review page 221 (PDF)













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