Dental Insurance Benefits in Yorktown Heights - Dr. David Lerner

Focusing On Your Whole Body Health

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At the Center for Holistic Dentistry, our goal is to make your dental visits as pleasant as possible. Part of this effort includes taking the complication out of utilizing your insurance benefits. Yorktown Heights dentist Dr. David Lerner knows there can be confusing terms and stipulations in insurance plans that can be a barrier between you and the care you need. We aim to remove that barrier by filing paperwork for our patients and providing the details necessary for you to make the best decisions possible for your oral and overall health.

Am I covered?

Similar to medical coverage, there are numerous types of dental plans, typically with the focus on prevention. What does this mean? It means Dr. Lerner wants to keep your mouth free of infection and pain, and your smile bright and beautiful. If you are insured, your dental plan can help us achieve this goal. How? Usually with 100% coverage of preventive services, such as professional cleanings (known as prophylaxis in the dental world), x-rays, and check-ups.

If your employer offers dental coverage, you might wonder if it’s worth buying into. We know the costs can seem steep, but when you consider how important your oral health is to your overall health, and the fact that you want to keep all of the teeth you have, its significance becomes a bit easier to recognize.

What else is included?

When you wind up in need of more than a cleaning (it can happen to the best of us), most carriers will pay 80% of the cost for cavity fillings, tooth extractions, and/or root canals. If you’ve suffered a dental injury or an infection that’s caused the need for more extensive restorative services, such as crowns, bridges, or dental implants, these may be covered up to 50%. When it comes to cosmetic treatments such as Invisalign®, teeth whitening, or veneers, we’re sorry to say that insurance rarely covers these expenses and you will have to pay out of pocket. However, that doesn’t mean you can’t look into these options if you desire a confidence boost in the form of a brighter, more beautiful smile. Many dental offices accept payment from financing companies like CareCredit®.

Common Insurance Terms

  1. Premiums – Your premium is the annual or monthly cost of your insurance. If you’re insured through your employer, this is often extracted from your pay. Your premium does not include copayments or deductibles.
  2. Copayments – Your copay is either a predetermined flat rate per visit or a percentage of the total appointment cost. This will vary plan by plan.
  3. Deductibles – This is probably the most confusing part of insurance coverage for most people. Insurers are used to answering the question: “Why do I have a deductible when I already pay a premium?” Although it seems superfluous, it’s to keep the monthly or annual costs lower, as well as the copay. When you’ve met your deductible, your insurance plan will kick in and cover the percentages as outlined in your plan.
  4. Plan Maximums – With the focus on prevention when it comes to oral health and dental insurance, the majority of dental coverage plans have maximums, and they tend to run low. If you’ve met your annual maximum, additional services will require out-of-pocket payment. This is another instance when financing plans can come in handy, but even more importantly: your diligent oral hygiene routine, a healthy diet, and healthy lifestyle.

What if I don’t use my benefits?

Unfortunately, there are no rollovers in dental insurance. If you’re paying a premium, it makes sense to take advantage of preventive care at 100% of the cost, or other services at a discount. Besides, Yorktown Heights dentist Dr. Lerner loves seeing your smile and takes pride in making visits pleasant!

The more you see us, the more we’re able to note what is and isn’t normal for your teeth, gums, tongue, saliva production, jawbone… the list is longer than most suspect at first! If we do catch a problem, it’s easier on your health, schedule, and wallet to treat it at the earliest stage possible. It’s also hard to beat the feeling of a professional cleaning. Our hygienists are gentle but thorough when it comes to removing tough tartar, which forms rather quickly if plaque is left to harden.

How can the Center for Holistic Dentistry help?

If you have additional questions about your dental insurance, you may be able to find the answers you need on the carrier’s website by calling them directly, or reaching out to us, your Yorktown Heights dentist. We are happy to help you get the most from your benefits, and we can provide pre-treatment estimates so you can budget accordingly.

The content of this blog is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions you may have regarding medical conditions.


Your Top-Rated & New Favorite Dentist In Yorktown Heights, NY

"I can’t thank Dr. Lerner and his staff enough, notably his assistant Nicole for expertly handling my mercury filling removals.I had it done in 2 phases and they took very good care of me on both occasions. The whole office is very pleasant, so professional and I look forward to my visits. On this most recent cleaning appointment, Linda did my cleaning. She was gentle and thorough. Highly recommend."

- Vanessa R.

"Excellent experience during my initial consultation. The most complete examination I have ever had by a dentist, including full body muscle testing. This testing uncovered major alignment issues with my jaw which has been causing a lifetime of misalignment throughout the rest of my body. Dr. Lerner and his staff are outside the box thinkers and I am very happy I have found them."

- Greg R.

"Very professional and compassionate. Love the use of Nucalm, eye mask, calming music, and making removing my mercury fillings a pleasant experience. Well as pleasant as can be. Thank you!!!"

- Jodi B.

"Been seeing Dr Lerner since I was about 11 years old, I’m now 31! I continue to see Jane for cleanings and just did the zoom whitening treatment with them in preparation of my wedding- highly recommend!"

- Chloe L.

*The reviews listed are from actual patients of The Center For Holistic Dentistry. Individual results may vary. Reviews are not claimed to represent results for everyone.

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What To Expect On Your First Visit

Our mission is to encourage full-body wellness through oral health while allowing you to feel heard and understand all your options. During your new patient exam, Dr. Lerner will spend time reviewing your health history, concerns, and goals. Your comprehensive exam will address items you may not have considered such as airway screening and dental materials sensitivity testing. We look forward to meeting you!

Comprehensive Review Of Your Health History & Concerns

Evaluation Of Teeth, Bite, Gums & Airway Passage

Low Radiation Digital X-Rays

Discover Your Options & Receive A Custom Treatment Plan