New York 65 Plus
Senior Dental Insurance allows you to choose any dentist you wish to provide your care. Additionally, you can choose the level of coverage, from high to low, that best fits your needs and your budget. This plan offers coverage for dental procedures that are typically needed by seniors. Plus, it’s guaranteed issue. Click for live help to get more Informtion about Dental Insurance and choose the dental program that best fits your needs. For this benefit category... Senior Dental Insurance PAYS for... Type I.................................................Routine exam, prophylaxis Type II................................................X-rays; fillings; simple extractions; palliative treatment Type III...............................................Biopsies; histopathologic examinations; repairs to existing crowns, dentures and bridges; recementation of existing crowns, inlays, onlays and bridges; therapeutic drug injections Type IV...............................................Endodontics (root canals); non-surgical periodontics (gum treatment); surgical extractions; extractions of impacted teeth; other oral surgery; general anesthesia and IV sedation; denture relines and rebases; denture adjustments Type V................................................Periodontal Surgery; inlays and onlays; crowns; complete and partial dentures; fixed bridgework; Temporomandibular Joint (TMJ) Disorders (Subject to Lifetime Maximum of $500.00 per Insured Person)
FEATURES OF THE SENIOR DENTAL POLICY Features What they mean... Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . You can choose from a low benefit (Standard) plan that pays a $1000 maximum annual benefit, or a high benefit (Enhanced) plan that pays a $1500 maximum annual benefit. Annual Deductibles . . . . . . . . . . . . . . . . . . . . . . . . Choose from the following: $25, $50, $75 and $100. Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Any person who is age 65 or older is guaranteed issue. Coverage for Spouse . . . . . . . . . . . . . . . . . . . . . . . The spouse of an applicant is also eligible to apply for coverage, regardless of his or her age. Multiple Payment Methods . . . . . . . . . . . . . . . . . . Choose annual or semiannual. Or, if you prefer, a monthly payment can be automatically deducted from your checking account or your credit card. Affordable Rates . . . . . . . . . . . . . . . . . . . . . . . . . . Our rates are competitive and customized by region. Claims Servicing . . . . . . . . . . . . . . . . . . . . . . . . . . Quick and easy payment on claims. Customer Service . . . . . . . . . . . . . . . . . . . . . . . . . Our senior health service center provides you personalized service from knowledgeable and experienced professionals. Our team is specially trained to meet the needs of our senior customers. Co-insurance at this coverage level... After this waiting period Paid at 100% of the Covered Dental Expenses1 None Paid at 80% of the Covered Dental Expenses1 12 Months (6 months for x-rays) Paid at 50% of the Covered Dental Expenses1 6 Months Paid at 50% of the Covered Dental Expenses1 12 Months Paid at 50% of the Covered Dental Expenses1 12 Months 1 Covered Dental Expenses means the lesser of the actual charge, the Dentist’s Usual Charge, or the Maximum Covered Expense (i.e the Scheduled Allowance) for a Covered Service.
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