Finding dental insurance is not an easy task. In order to clarify the options available for lowering costs for dental work, the Human Services Coalition provides this guide about dental insurance and discount plans, as well as additional lower cost dental resources in the area.
To understand why we cannot find dental insurance like other types of insurance, we must take a look at how insurance works.
Aflac New York Dental plans for individuals Aflac New York
Individual plans cost between $369.60 – $586.80/year 800-366-3436
Family plans cost between $930 - $1,718.40/year www.aflacny.com
Dental discount plans – different than dental insurance?
While dental discount plans are not insurance plans, they work to reduce dental costs. They have an easy approval process. Like insurance plans, they have a network of dentists where the plan is accepted and you will receive a discounted rate. These programs generally lower the costs on almost all dental services by 15-60%. There are no claims to be filed - you are solely responsible for the bill, but you present a discount card to a network dentist and you will be given a discount on your fee.
Dental DISCOUNT plans available in Tompkins County:
There are many dental discount plans available in Tompkins County. Some examples are: Aetna Dental Access, GE Wellness Plan, and Patriot Plan. All differ slightly in premium cost and discount schedule. Most cost around $100-130 per year for an individual plan ($150-180 per year for a family plan) and have 4-5 providers in Tompkins County accepting the plan. Access current information about all dental discount plans available in your area and/or enroll in one at www.dentalplans.com
Ithaca Health Alliance:
Another option is joining the Ithaca Health Alliance
, which is a local discount plan for both health and dental care. By paying a relatively low ($100/year for an individual) yearly membership fee, you receive discounts at certain local providers, and are also eligible for grants to help pay for dental care, among other services. Below are details about dental grants:
Maximum Grant per member per year
Dental Repair/Extraction of Natural Tooth resulting from documented external trauma to jaw (maxilla/mandible)
Treatment within 60 days of injury
Dental Extraction of Natural Tooth
$30 after 6 mo. membership. $60 after 1st year. $80 after 3+ years.
1 per member per year, after 6 mo. membership.
For more information about the Ithaca Health Alliance, go to www.ithacahealth.org or call 330-1253.
LOCAL LOWER-COST DENTAL RESOURCES
*If you already have a regular dentist, first try talking with them about a sliding fee schedule or payment plan, as they may be willing to work with an established patient on payment.
American Mobile Dental
– mobile dental practice – visits Tompkins County every other Monday from 8:30 am – 4 pm
. Takes Medicaid, private insurance
, and uninsured patients. Fees for uninsured are low (based on Medicaid reimbursement rates).
Location is 320 W. State St. Ithaca, NY. Call 1-877-248-6684 to make appointment, ask about fee schedule. The van is based in Cayuga and Onondaga Counties other days of the week. American Mobile Dental also operates vans around other counties in New York State. Call the number above for appointments in other counties.
Groton Dental Office
– dental clinic in Cortland
, NY with sliding fee scale for uninsured patients
24 Groton Avenue
Cortland, NY 13045
7am – 6pm M-F
Tioga Dental Van – (for TIOGA COUNTY RESIDENTS ONLY) mobile dental practice in Tioga County, NY. Fees charged on sliding scale based on income.
Call (607) 687-8595 for appointment.
Broome Community College Dental Hygiene Clinic
– clinic for preventative
dental care (cleanings, sealants, deep root cleanings etc.) in Binghamton, NY with dental services available to the public. No age, income, insurance, or residency requirements.
One-time fee per semester, can have as many visits in a semester as needed.
Adults - $15, Senior Citizens - $10, Children - $10
On BCC campus (Exit 5 off Route 81), in Decker Health Sciences Building
CLINIC HOURS: September – December Mon. & Wed. 1 – 5 pm,
Tue. & Thur. 8 am – 12 pm
January – May Mon. – Thur. 8 am – 12 pm and 1– 5 pm
Dr. Garabed A. Fattal Community Free Clinic
clinic in Binghamton, NY with dental services for uninsured adults who become patients of the clinic
(must have at least one visit first. Likely waiting list for dental services.)
225 Front Street
Binghamton, NY 13905
(607) 779-3938 (clinic hours)
(607) 772-3519 (non-clinic hours)
CLINIC HOURS: Mondays 5-8pm and Thursdays 5-8pm. Registration begins at 4:30 pm. FIRST COME, FIRST SERVED – no appointments available
Syracuse Community Health Center –
clinic in Syracuse, NY offering dental services
, with sliding fee scale for uninsured patients.
819 S. Salina Street
Syracuse, NY 13202
Hours: Mon, Wed, Thur: 8:30 am – 8:00 pm
Tue, Fri: 8:30 am – 5:15 pm
Sat: 9:00 am – 1 pm
Eastman Dental Center – Dental School clinic in Rochester, NY with lower fees for uninsured.
625 Elmwood Avenue
Rochester, NY 14620