We make every effort to provide you with the finest care and the most convenient financial options. To accomplish this we work hand in hand with you to maximize your insurance reimbursement for covered procedures. If you have any problems or questions, please ask our staff. They are well informed and up-to-date. They can be reached by phone at (908) 464-4000.
Please call if you have any questions or concerns regarding your initial visit.
Please bring your insurance information with you to the consultation so that we can expedite reimbursement.
Some Facts about Dental Insurance
Your dental insurance is based upon a contract between your employer and the insurance company.
Dental insurance benefits differ greatly from medical health insurance benefits. For example, in 1971, your dental insurance benefits were approximately $1,000 per year. Figuring a 6% rate of inflation per year, you should be receiving $4,549 per year in dental benefits. Your premiums have increased, but your benefits have not. Therefore, dental insurance is never a pay-all, it is only aid.
Many plans tell their participants that they will be covered “up to 80% or up to 100%,” but do not clearly specify plan fee schedule allowances, annual maximums or limitations. It is more realistic to expect dental insurance to cover 50 % to 80 % of major services. Remember, the amount a plan pays is determined by how much the employer paid for the plan. You get back only what your employer put in, less the profits of the insurance company.
Most out of network insurances will provide a benefit, sometimes up to 80% or more, of the fee. An estimated insurance benefit and estimated co-payment can usually be generated at the time of your appointment. This may not be feasible in emergency situations.