Dental health is a crucial aspect of overall well-being, and having the right dental insurance can make a significant difference in managing costs associated with treatments such as sensitive teeth care, tooth extractions. In 2025, New York offers a variety of dental insurance providers, each with unique benefits tailored to meet diverse needs. This article provides a detailed overview of the top 12 dental insurance companies in New York, helping you make an informed decision for your dental care.
What to Look for in Dental Insurance in New York
Before diving into the top providers, it’s important to understand the key features to consider when choosing dental insurance:
Coverage for Major Procedures: Including crowns, tooth extractions, and treatments for sensitive teeth.
Waiting Periods: The time before certain procedures are covered.
Annual Maximums: The maximum amount the insurer will pay annually.
Network Size: Access to a broad network of dentists.
Premium Costs: Monthly or yearly payment amounts.
Customer Satisfaction: Claims handling and service quality.
Top 12 Dental Insurance Companies in New York 2025
1. Delta Dental
Overview
Delta Dental is widely regarded as the leading dental insurance provider in New York and across the United States. Known for its comprehensive coverage, Delta Dental offers plans that cover preventive, basic, and major dental care, including crowns and tooth extractions.
Key Features
Coverage: Covers 100% of preventive care, 50%-80% of basic and major procedures such as crowns and extractions after deductible.
Annual Maximum: Up to $2,000-$2,500 depending on the plan.
Waiting Period: Typically 6 to 12 months for major procedures like crowns.
Network: Extensive network of dentists across New York.
Customer Satisfaction: Low complaint rates and high satisfaction.
Delta Dental’s plans are particularly beneficial for those anticipating significant dental work, such as crowns for structurally compromised teeth or extractions.
2. Aetna Dental
Overview
Aetna provides a range of PPO dental plans with competitive premiums and strong coverage for both preventive and major dental services.
Key Features
Coverage: 100% preventive, significant coverage for crowns and extractions.
Additional Benefits: Optional dental discount cards offering 15%-50% off services.
Network: Over 440,000 in-network locations nationwide.
Waiting Period: Minimal or no waiting periods on some plans.
Extras: Monthly rewards and CVS ExtraCare Plus membership for additional savings.
Aetna’s plans are ideal for individuals seeking comprehensive coverage with added savings options, especially for treatments involving sensitive teeth or restorative procedures like crowns.
3. Cigna Dental
Overview
Cigna offers flexible dental plans with a focus on preventive care and coverage for major dental procedures.
Key Features
Coverage: Covers a wide range of services including tooth extractions and crowns.
Network: Large network of dentists in New York.
Waiting Period: Varies by plan but generally competitive.
Customer Service: High ratings for claims processing and support.
Cigna is a strong choice for families needing balanced coverage for routine care and more complex dental work.
4. Guardian Dental
Overview
Guardian is known for its customizable dental insurance plans and strong coverage for restorative treatments.
Key Features
Coverage: Includes crowns, tooth extractions, and treatment for sensitive teeth.
Annual Maximum: Competitive limits.
Waiting Period: Often shorter than industry average.
Network: Extensive network with many in-network specialists.
Guardian’s plans are suitable for patients requiring crowns due to decay or fractures, as insurance typically covers crowns when medically necessary.
5. MetLife Dental
Overview
MetLife offers dental PPO plans with comprehensive coverage and a wide network of providers.
Key Features
Coverage: Preventive care covered at 100%, major procedures like crowns and extractions covered partially.
Waiting Period: Usually 6-12 months for major services.
Network: Large and accessible network in New York.
Customer Satisfaction: Generally positive reviews.
MetLife is a good option for those looking for reliable coverage for sensitive teeth issues and restorative dental work.
6. Humana Dental
Overview
Humana provides affordable dental insurance plans with coverage for preventive and major dental services.
Key Features
Coverage: Includes crowns and tooth extractions.
Waiting Period: Varies, with some plans offering no waiting period.
Network: Broad provider network.
Additional Perks: Wellness programs and discounts.
Humana is particularly attractive to budget-conscious individuals needing coverage for procedures like tooth extraction and crowns.
7. UnitedHealthcare Dental
Overview
UnitedHealthcare offers a variety of dental plans with extensive coverage options.
Key Features
Coverage: Covers preventive, basic, and major dental care including crowns.
Network: Large network of dentists.
Waiting Period: Competitive waiting periods.
Customer Service: Strong support infrastructure.
UnitedHealthcare’s plans are well-suited for those requiring ongoing dental care including treatment for sensitive teeth and restorative procedures.
8. BlueCross BlueShield Dental
Overview
BlueCross BlueShield (BCBS) provides dental insurance with flexible plans and strong coverage.
Key Features
Coverage: Includes tooth extractions, crowns, and other major dental services.
Network: Extensive network in New York.
Waiting Period: Typically moderate waiting periods.
Additional Benefits: Discounts on dental care and wellness programs.
BCBS is a reliable choice for individuals seeking comprehensive dental coverage in New York.
9. Careington Dental
Overview
Careington offers dental discount plans rather than traditional insurance, providing savings on dental services.
Key Features
Coverage: Discounts on crowns, extractions, and treatments for sensitive teeth.
No Waiting Periods: Immediate savings.
Network: Large network of participating dentists.
Cost: Lower upfront costs compared to insurance.
Careington is ideal for those who want to avoid waiting periods and reduce out-of-pocket costs for dental procedures.
10. Spirit Dental & Vision
Overview
Spirit Dental & Vision specializes in affordable dental insurance plans with good coverage for major dental work.
Key Features
Coverage: Includes crowns and extractions.
Waiting Period: Short or no waiting periods on some plans.
Network: Nationwide access.
Premiums: Competitive pricing.
Spirit is a strong contender for those prioritizing low premiums and coverage for restorative dental care.
11. Physicians Mutual
Overview
Physicians Mutual offers dental insurance plans with straightforward coverage and affordable premiums.
Key Features
Coverage: Includes crowns, extractions, and treatment for sensitive teeth.
Waiting Period: Varies by plan.
Network: Moderate network size.
Customer Service: Positive feedback on claims.
Physicians Mutual is a good option for individuals seeking affordable dental insurance with coverage for major procedures.
12. Ameritas Dental
Overview
Ameritas provides flexible dental insurance plans with comprehensive coverage options.
Key Features
Coverage: Preventive, basic, and major dental care including crowns and extractions.
Waiting Period: Competitive.
Network: Large provider network.
Additional Perks: Wellness benefits and discounts.
Ameritas is suitable for those wanting customizable plans with strong coverage for restorative dental needs.
Conclusion
Choosing the right dental insurance in New York for 2025 involves balancing coverage needs, cost, and provider network.
The top 12 companies listed here offer a range of options to cover essential dental services like crowns, tooth extractions, and care for sensitive teeth. Delta Dental leads with comprehensive coverage and high customer satisfaction, but other providers like Aetna, Cigna, and Guardian also offer excellent plans tailored to various budgets and needs.
