Dental Insurance New York

Fully Maximize Your Dental Benefits

About Dental Insurance

Dental insurance is an excellent tool that can help to make your dental care much more affordable for you and your family. If you have access to a dental plan through your employer or by another means, this is definitely something to take advantage of. However, dental insurance works a bit differently than the medical insurance that you’re used to, so it can be challenging to navigate at first. To benefit from your plan, it’s crucial that you are taking all of the necessary steps to maximize your benefits. To learn more about dental insurance, continue reading. If you have any questions or concerns, don’t hesitate to give us a call.

How Dental Insurance Works

When you pay your monthly premium, you gain access to discounts on dental treatments and procedures. Every plan works a little bit differently, but here is what you can generally expect in terms of savings:

  • Preventive dental treatments are usually covered at 100%. This includes things like checkups, cleanings, and X-rays.
  • Basic restorative procedures are usually covered at about 80%. This includes dental fillings.
  • Major restorative procedures are usually covered at approximately 50%. This includes things like dental crowns and dentures.

In most cases, cosmetic procedures are not covered by dental insurance because they are considered elective. The idea is that by attending your cleanings and checkups, you can prevent the need for restorative treatments in the future, which aren’t covered at as high of a rate. However, there are still several key things to remember:

  • Dental insurance plans are generally renewed at the beginning of the calendar year. Benefits do not carry over.
  • You need to meet your deductible before your coverage kicks in.
  • Your annual maximum is the designated amount of money provided by your insurance company. It is the most they will agree to pay out in a single year. If you don’t reach this amount, the remaining balance is returned to your insurance company.

What Is the Difference Between Dental & Medical Insurance?

Medical insurance and dental insurance seem like they would be similar, but they have quite a few differences. The biggest one is that dental insurance is focused more on preventive care. That’s why most plans include complete coverage for cleanings and checkups. This way, patients can avoid more complex procedures, like root canals and tooth extractions.

Frequently Asked Questions

If my dentist is out-of-network, will my routine exam still be covered?

It’s important to keep in mind that every dental insurance plan varies, but for the most part, all plans cover routine checkups and cleanings at 100%, even if you’re seeing an out-of-network dentist in New York. This means that you’ll need to pay nothing out of your own pocket, unless you require additional services other than a routine checkup, cleaning, and regular X-rays.

How do I check what my dental insurance benefits are?

The best way to check your dental insurance benefits is by using your insurance app on your phone, visiting your dental insurance’s website and logging in to see your specific policy’s benefits, or calling the number listed on the back of your dental insurance card. If you need help getting in touch with them or seeing if a specific dental treatment is covered, our team at Lux Smiles is happy to help—just let us know!

What's the difference between in-network and out-of-network dentists?

Dentists who are in-network with your dental insurance plan are contracted with your insurance provider. This means that they have signed an agreement to provide patients with their insurance plan with discounted rates and fees, allowing them to pay less out of pocket in some cases. On the other hand, dentists who are out-of-network still accept your insurance plan and will file claims on your behalf, but they aren’t contracted with your insurance provider. In some cases, this can mean that their fees are slightly higher.

What treatments will dental insurance cover?

Dental insurance covers a wide range of treatments, but not all of them at 100%. Most plans will cover the complete cost of routine care, like checkups and cleanings, 80% of basic treatments, like dental fillings, and 50% of more extensive services, like tooth extractions, crowns, etc.

Our team at Lux Smiles is happy to conduct a complimentary benefits check for you to let you know what, if any, of the costs associated with a treatment plan you’ll need to pay out of pocket. If you have any questions about our cost estimate or a treatment plan, please don’t hesitate to ask!

What's the difference between a PPO and HMO plan?

There are two main types of dental insurance plans: PPOs and HMOs. PPO stands for “Preferred Provider Organizations, while HMO stands for “Health Maintenance Organizations,” and the type of plan you have will determine who you can visit.

PPO plans often have higher monthly premiums and annual maximums, which means that they cap off how much they will cover for your dental treatments in a year. These plans allow patients to see any provider they want and access their benefits by filing a claim for the services they receive, which means that patients have the power of choice. On the other hand, HMO plans typically have lower premiums and deductibles, but they require patients to see an in-network provider, meaning they have less choice in who they’re able to see.

Our team at Lux Smiles is happy to accept most major PPO plans, which means we can file claims on your behalf to ensure you receive the maximum reimbursement amount and coverage for all of your treatments.

How many dental checkups and cleanings will dental insurance cover in a year?

Dental insurance typically covers 100% of the cost of two dental checkups and cleanings a year, including routine X-rays of the mouth to check for abnormal growths, cavities, and other underlying dental concerns.

Will dental insurance cover the cost of dental implants?

This really depends on your individual dental insurance plan, since every plan’s coverage is different. In many cases, dental insurance will cover one or multiple portions of the dental implant process, like the creation of the replacement teeth. However, there are often several aspects of the treatment that aren’t covered, like the implant placement surgery itself. Our team will give you a detailed cost estimate of your dental implant process before you agree to move forward with it so you know exactly what to expect financially. We’re also happy to file claims with your dental insurance provider to make sure any possible coverage is accounted for.

Will dental insurance cover the cost of Invisalign® aligners?

If your dental insurance plan includes orthodontic coverage, it’s likely that they will cover a portion of your Invisalign treatment. However, the only way to know for sure is to call your insurance provider directly and ask.

Meet Your Team of Dental Experts

Our dentists have 25% more certified education credits than required. We always focus on gentle, compassionate care.

“I received the best treatment at Lux Smiles! I am an anxious dental patient and the entire staff was welcoming, respectful and caring. They weren't dismissive of my concerns, took the time to listen and were very methodical in their assessment. Can't wait to come back!”

Caitlin S.Google Review

Dr. Anthony Leonetti

Dentist

After completing his bachelor’s degree at the University of Rhode Island, Dr. Leonetti attended the Rutgers School of Dental Medicine in New Jersey and went on to complete his General Practice Residency at Mount Sinai Icahn School of Medicine in Manhattan, New York. He joined us at the Tribeca location in 2016 and has expanded with us to the SoHo Dental Group.

Continuing Education

Dr. Leonetti performs various types of general dentistry for patients of all ages including restorative and preventative care, root canal therapy, Invisalign orthodontics, and gum surgery.

In his studies at the Mount Sinai Icahn School of Medicine, he focused on cosmetic procedures and implant dentistry. To provide treatment for an underserved population, he traveled to Managua, Nicaragua, in 2017 to provide dental implants to patients who had often lost many teeth due to a lack of proper dental care.

Dr. Leonetti continues to advance his skills every year so he can provide his patients with impeccable care, an activity he is passionate about.

Outside of the Office

When he’s not caring for patients, he enjoys golfing, skiing, and cooking.

Dr. Nicole Khalife

Dentist

Dr. Nicole Khalife comes to us from Long Island, New York. She completed her bachelor’s degree at Villanova University and then obtained her Doctor of Dental Surgery degree from the State University of New York at Stony Brook. She gained experience in a variety of dental specialties at the Mount Sinai Icahn School of Medicine in Manhattan, focusing on cosmetic dentistry, dental implants, root canal therapy, and invisible braces.

Outside of the Office

When she is not providing caring dentistry in New York and educating her patients on how to maintain their health, Dr. Khalife enjoys cycling, yoga, cooking, and traveling.

Dr. Nicholas Ruhrkraut

Dentist

With a decade of experience and counting, Dr. Nicholas Ruhrkraut brings warmth and joy to the dental field that our patients can truly appreciate. Not only does he enjoy the opportunity to connect with others daily while educating them on the importance of their oral health, but he also loves helping people gain confidence through a healthier and more beautiful smile. Keep reading to learn more about his background and education.

Why Did You Decide to Become a Dentist?

Throughout college, Dr. Ruhrkraut had been interested in the field of medicine until he decided to switch gears and focus more on dentistry. This was due to his participation in a mission trip to Honduras in 2011, where he assisted a dentist there and resumed shadowing him back in the United States. After learning much more about the wonderful opportunities that dentistry offered while also helping to improve a patient’s overall quality of life, he set himself to pursue a life as a dentist!

Where Did You Study Dentistry?

Dr. Ruhrkraut attended The Ohio State University for his bachelor’s degree before studying at their College of Dentistry to earn his dental doctorate. Throughout his years as a general dentist, he’s enjoyed the flexibility it’s given him to provide a holistic plan and various treatments to his patients. He’s worked in multiple offices in New York City and Los Angeles, and he’s gained extensive knowledge and skills in multiple types of services, including root canals, crowns and bridges, dental implants, cosmetic dentistry, and Invisalign. He also regularly seeks continuing education to remain on top of the latest advancements in dentistry, and he’s also an active member of the American Dental Association and New York Dental Association.

Outside of the Dental Office, What Do You Like to Do?

Aside from treating pearly whites, Dr. Ruhrkraut loves to return to his hometown of Cleveland, OH to visit his parents and loved ones several times a year whenever he gets the chance. Away from the office, he enjoys cooking, reading, watching movies, playing volleyball, and traveling. One fun fact about him: he’s an Eagle Scout and received the Triple Crown Award after canoeing, hiking, camping, and sailing in three national high adventure programs.

Dr. Jessica Li

Periodontist

Dr. Jessica Li is a Board-Certified Periodontist specializing in innovative surgical techniques and advanced periodontal therapies. Dr. Li received her Doctor of Dental Surgery (DDS) from New York University and completed her specialty training at Columbia University College of Dental Medicine. Her clinical skills extend to a wide range of periodontal procedures, including laser treatments, ridge augmentation, osseous surgery, and implant therapy.

Dr. Li is recognized for her expertise in minimally invasive techniques, offering patients pain-free treatments with cutting-edge technologies such as LANAP® (Laser-Assisted New Attachment Procedure) and the Pinhole® Surgical Technique for gum recession.

She is an active member of several professional organizations, including the American Academy of Periodontology and the Academy of Osseointegration. She regularly attends industry meetings and continuing education programs to stay at the forefront of the latest advancements in periodontics. Outside of her practice, Dr. Li enjoys tennis, surfing, and running.

PRICING & INSURANCE AT LUX SMILES

Flexible payment options that will make you smile.

Transparent Pricing

We always focus on clearly communicating the cost of treatments and your co-pay amounts when using insurance.

Direct Insurance Billing

We are in-network with most insurance providers and we offer direct insurance billing.

No Insurance, No Problem

Many of our patients pay out of pocket with cash, credit card, debit etc. We also offer third party financing and have an in-house membership plan.

Book an Appointment

or call (212) 777-7126

We Pinky Promise

Our mission is to deliver exceptional, comprehensive dental care with a highly experienced team using the latest technology.

35
+
Years serving NYC
200
+
5 Star Reviews
1

YOU Decide

We promise to show you what we see with imaging, educate you on your options, and empower you to make the best decisions for yourself.
2

Honest, Evidence Based Care

We promise to always show you what we see with imaging and never push unnecessary treatments on you.
3

On Time Visits

We promise to respect your time and do everything we can to see you within a few minutes of your appointment.
4

Pricing Transparency

We promise to be transparent about pricing and insurance coverage.
5

Best In Class

We promise to build a world class dental team. Many of our team members have been with us for over a decade!
6

Friendly & Professional

Our team promises to always be respectful, polite, and professional.
7

Pain Free

We promise to do everything we can to minimize pain and make you feel comfortable.
8

Never Ending Improvement

We promise to constantly invest time and money into technology and continuing education to make sure our patients get the best care possible.
9

Squeaky Clean Office

We promise to keep our office, operatories, tools, and equipment sanitized and sterilized at all times.

Advanced technology in a modern office to ensure comfortable care and better diagnostics....

  • iTero Digital Impressions (No Goopy Impressions!)
  • Soft Tissue Laser
  • Digital X-Rays
  • Digital Charting
  • Online Patient Portal
Book an Appointment

or call (212) 777-7126

Modern Office

We have a beautiful, newly renovated, modern office in Gramercy Park.

Comfortable Seats

Our dental chairs are comfortable and supportive. Pillows and blankets available too!

Digital Impressions

Enjoy “goop free” impressions with the latest and greatest from iTero digital scanners.

TV’s

Sit back, relax, and get caught up on your favorite show while we work on your smile.

OUR WORLD CLASS DENTAL TEAM

Changing the world
one smile at a time.

LUX SMILES TESTIMONIALS

What our patients are saying…

“

If you’re looking for a dentist who makes you feel like a VIP while you’re drooling in a chair, Lux Smiles is the place to go! From their high-tech gadgets to their soothing explanations, they turn a trip to the dentist into a mini spa day for your teeth. Seriously, they’re the best and totally a keeper. Never thought I’d say this, but I actually look forward to my next appointment!

Rowena M
“

I like the friendly atmosphere at Lux Smiles and the professionalism of the dental team. I can never get enough chatting with Dr. Khalife and Lili and their colleagues. These people actually achieve what I thought was impossible, they are constantly making me enjoy my dental appointments.

Patryk F
“

I had a dental emergency, and was pleased and overjoyed that I was able to be seen in the office right away. The staff, Dr. Khalife, Kassandra, and Lily were understanding, efficient and kind. I am most appreciative of their professionalism. Thank you!

Ngina K.
“

I have so much dentist anxiety and this is the first office where I felt totally comfortable at my first visit!! Everyone here is kind and has wonderful rapport with patients. Special shout out to Deena, Brittany, and Lily for being so patient and explaining my options to me regarding pricing and timing with insurance.

Margaret E.