Dental Benefits and Insurance

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Take Advantage of Your Dental Insurance Benefits.

Premiums: You or your employer pays a monthly premium for dental insurance. Most plans cover periodic visits, x-rays, and cleanings at 100% with no deductible. Not taking advantage of this paid benefit is throwing money away! Even if you don't need extensive treatment, you should use that money for regular check ups and cleanings to prevent costly procedures in the future. Don't throw your money away!

Yearly Maximums: Dental insurance limits the amount of money annually for your dental care. Maximums vary from one company or policy to the next, but typically fall around $1000 - $2000. Sounds like a lot of money, doesn't it? Insurance companies consider this amount to be a good investment. Allowing you to get regular dental care, your carrier can prevent the need for more serious (and more expensive) dental procedures down the road. Why not do you both a favor and use it, ensuring your mouth is in tip-top shape when next year rolls around?

Deductibles: Insurance companies typically expect you to pay a certain amount of money for your dental care each year – usually about $500. If your smile isn't in good shape, our office can create a treatment plan to put you back on track. Deductibles begin anew each year, so spreading out this care over more than 1 year will mean you have to pay more out-of-pocket.

Inflation: It seems everything becomes more expensive from one year to the next, and dental materials and equipment are no exception. Putting off necessary dental care could mean that you'll have to pay more down the road.

Dental Problems Escalate: If your pearly whites are anything but, they're only going to get worse. That is, of course, unless you take advantage of your insurance benefits and tend to your teeth and gums. A little cavity that isn't bothering you one year may become a major headache (or toothache!) the next.

If you haven't yet taken advantage of your dental insurance benefits and would like to schedule an exam to verify everything is in order, call our office at 908-322-7800 or email us at today. We'll help you find which treatments are and are not covered by your policy!

We are a preferred providers with the following dental insurance plans:

  • Delta Dental
  • Cigna
  • Aetna
  • Metlife
  • Horizon BC/BS

    We also work closely with most commercial insurance companies and union benefit plans including:

    • Sheet Metal Workers Local 22
    • United Healthcare
    • United States Life  
    • Lincoln Financial Group
    • United Concordia
    • Connecticut General
    • UMR
    • Plumbers and Pipefitters Local Union 9

        The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.