Insurance & Payment
We routinely file claims and accept insurance payments as a courtesy to our patients.
Dr. Boris Zusin Accepts the Following Insurances
Please note that some plans have yearly maximums, deductibles, waiting periods, limitations, alternate benefits, and missing-tooth clauses that may limit your benefits. Consult your carrier, HR representative, or benefit plan book. Our staff does its best to obtain as much information as possible from your insurance company, but you are ultimately responsible for knowing your coverage.
Patient co-payments are due on the day services are provided. We accept Cash, Check, Mastercard, Visa, Discover, American Express, and interest-free payment plans up to 12 months through CareCredit.
Our network status varies by plan: we're in-network with the Delta Dental Premier network, and we accept plans from the other carriers listed above that allow patients to see an out-of-network dentist (we file the claim on your behalf, and you're responsible for the difference between our fee and your plan's allowed amount). Click any carrier above for the specifics, or see our guide to how out-of-network reimbursement actually works.
Not sure whether insurance or financing makes more sense for a larger treatment plan? See our breakdown: Dental Insurance vs. Paying Out of Pocket: Which Saves You More?
DMO vs. PPO Dental Insurance: What's the Difference?
If your plan card says DMO, DHMO, or HMO instead of PPO, it changes which dentists you can see — here's the practical difference.
| Feature | Dental PPO (Preferred Provider) | Dental DMO / HMO (Managed Care) |
|---|---|---|
| Dentist choice | Freedom to visit in-network or out-of-network dentists | Restricted strictly to your assigned primary-care network |
| Referrals for specialists | No referral needed to see a specialist | Mandatory referral from your primary dental provider |
| Out-of-pocket costs | Deductibles and co-insurance percentages | Low fixed copays, but limited or no coverage out-of-network |
| Annual maximums | Typically $1,500–$2,500 per year, plan-dependent | Generally no annual maximum |
| Flexibility / choice of provider | High flexibility; accepted by most private practices | Low flexibility; roster-based provider network only |
Figures shown are typical industry ranges; your specific plan document has the exact numbers.
The practical takeaway: with an out-of-network PPO plan, we file the claim directly on your behalf and you're reimbursed (or, in some cases, we're paid directly) according to your plan's out-of-network benefit — see how that reimbursement actually works. A DMO or DHMO plan doesn't have an out-of-network benefit to file against at all, which is why we generally can't accept those plans. Not sure which type you have? See our full PPO vs. HMO vs. DMO guide, or call the number on your insurance card and ask directly.
Your Experience Matters To Us
5.0 out of 5 on Google (42 reviews) · 4.9 out of 5 on Zocdoc (222 reviews)
“Knowledge is an understatement when you talk about Dr. Zusin! My family and I have been patients of his for over 20 years. I always feel I am given the best advice and never pressured into any unnecessary treatment.”
Faina S. · View on Google →
“I tried a couple different dentists in NYC and Zusin Dental is the best. They are thorough, they don't try and upsell you services you don't need, and they offer appointments on Saturday. The best cleaning I ever had!”
Gordon T. · View on Google →
“Routinely SUPERB level of care, including Dr. Zusin having made himself available for emergent care when needed. The office is always spotlessly clean and there is no waiting at appointment time. Pain-free dentistry!”
Anil N. · View on Google →
“I have never experienced pain with Dr. Zusin. For a practice in busy Manhattan, their office has a small town feel, very relaxed and personable. Lena is always quick to respond to appointment requests or changes.”
Molly P. · View on Google →
“Dr. Zusin is the best dentist! I have been visiting his office for the majority of my life. He has expertly performed teeth whitening and Invisalign, and continued to save my teeth after I chipped my two front teeth.”
Sasha S. · View on Google →
“The West End office is state of the art and very relaxing. Dr. Zusin and Lena are a great team. No matter the dental problem you will get the best results. I highly recommend them.”
Domingo Q. · View on Google →
Questions About Your Coverage?
Call 212-877-7475 and we'll help you understand your benefits.
Schedule Your Visit Call 212-877-7475