Dear Patients,
Pearl Dental NYC is here for you every step of the way.
Our respect for our patients means we commit to transparency in everything we do, this includes our service pricing, dental insurance availability and coverage.
When you first book an appointment, we will ask you about your dental insurance. This allows us to verify your estimated coverage and to give you appropriate advance notice on your estimated out-of pocket costs for any procedure we recommend.
As you can imagine, this might be tricky with same-day appointments, but the sooner you share your dental insurance information, the more accurately we can estimate your expected coverage.
Pearl Dental NYC accepts several Dental PPO Plans with out-of-network coverage. Take a look at our list of accepted plans below! If you don’t see yours, give us a call—we’re here to help and may still be able to work with your dental insurance!
- Aetna
- Careington
- Cigna
- Delta Dental
- Guardian
- Humana
- MetLife
- Mutual of Omaha
- Principal
- SunLife
- UnitedHealthcare
Please note we do not accept dental Medicaid, Medicare, DMO and DHMO plans.
At Pearl Dental NYC, we have chosen to be out of network to provide our patients with the highest quality of care and personalized treatment. Being out of network allows us the flexibility to focus on delivering exceptional services without the constraints of insurance limitations.
Benefits to Our Patients:
- Greater Freedom of Choice: Patients have access to a broader range of treatments and services, enabling us to recommend the best options for your specific needs without being limited by insurance guidelines.
- Personalized Care: We prioritize building meaningful relationships with our patients, allowing us to tailor treatments and focus on your overall dental health and well-being.
- Transparent Pricing: Out-of-network status allows us to maintain transparent pricing, so you can make informed decisions about your dental care without hidden fees or surprise costs.
- High-Quality Materials and Techniques: We use top-of-the-line materials and the latest techniques, ensuring you receive the best possible care.
At Pearl Dental NYC, our commitment is to your health and happiness, and we believe that being out of network helps us achieve that goal. If you have any questions about our services or how your insurance may apply, please don’t hesitate to reach out!
Do not worry, we offer you our convenient in-house VIP Dental Plan membership.
VIP Dental Plan is very popular and in a high demand among our loyal patients. Many of them switched to VIP Dental Plan from their original insurance plans as it often provides more consistency and financial benefits than sometimes unpredictable insurance plans benefits.
VIP Dental Plan’s Fee for 1 year is $765, which is around $64 per month.
VIP Plan Membership provides access to the following services (within 12 months):
- 2 Dental Evaluations by Doctor
- 2 Professional Teeth Cleanings by Dental Hygienist
- Intraoral Full Mouth Images – Cavity Detecting X-Rays*
- 1 Emergency Exam by the Doctor*
- 1 ClinPro™ 5000, Anti-Cavity Prescription-strength Fluoride Toothpaste*
- Free Oral Hygiene Instructions
- Free Oral Cancer Screening
In addition, VIP Dental Plan Members receive:
- 15% discount on all Restorative procedures
- 10% discount on all Orthodontic treatments.
*Applies to VIP Plans purchased after 03/17/2025.
VIP Dental Plan Membership for a 12-month period: $765.00
We aim to provide clarity and information. Below you can see some average pricing information and estimated insurance coverage (the exact pricing depends on your specific needs):
- First appointment as a new patient:
Comprehensive exam, Full mouth set of X-Rays and Dental Cleaning $829.
Dental PPO plans typically cover at 80-100% of this visit. - Dental Fillings:
Typical charge is between $510-$851 (Depends on the location of the tooth and size of cavity).
Dental PPO Plans typically cover 60-80% of this treatment.
- Dental Crowns:
Typical charge is between $2,200-3,100 (Depends on material recommended).
Dental PPO plans typically cover at 40-60% of this treatment. - Invisible orthodontic treatments:
Typical charge is between $1,750-6,800 (Depends on alignment needs).
Dental PPO plans typically cover at 50% with age limitation of this treatment.
*Treatment is not included in this estimation.
**All copays or out of pocket expenses are calculated based on the estimated coverage provided by the insurance company. Please be mindful that our team members are here to help you utilize the insurance but cannot guarantee dental insurance companies to meet quoted estimated coverage and make them pay. If dental insurance does not cover estimated coverage, the full balance will be patient’s responsibility.


