Dental Insurance Information

The coverage provided by dental insurance varies widely between plans. In most cases, your employer will offer one or more plans. The contract established between your employer and insurance provider determines the type of coverage available to you. Dental insurance can be incredibly complex. Figuring out what your insurance plan actually covers can seem overwhelming and is often frustrating, but most dental offices are happy to help you fully understand your coverage. 

A Variety of Dental Insurance Plans

There are many providers of dental insurance, all of which offer different levels of coverage. Some of the dental insurance plans on the market include:

  • Delta Dental®
  • Aetna™
  • Guardian™
  • Humana
  • MetLife®
  • CIGNA Dental

Ask your dentist which insurance providers they accept.

How Dental Insurance Works

By purchasing a dental insurance plan, you enter into a contract with the company. They agree to pay certain amounts for certain procedures and you assume responsibility for what they do not cover. Generally, the terms of your coverage are spelled out in the contract. Different plans approach coverage in different ways. Some require you to reach a deductible before paying anything, while others pay a percentage immediately. Understanding the different terms associated with your insurance plan can help you figure out your coverage.

Deductible

A deductible is a minimum amount of money you need to pay towards dental care before your plan coverage starts. Most plans do not require a deductible for diagnostic or preventive services.

Annual Maximum

Many plans have a cap on how much money they will pay for any given treatment during the year. Anything over that amount becomes your responsibility. For example, if your plan has a annual maximum of $2,000 and your dental expenses exceed $3,000, you have to pay the additional $1,000. In some cases, you can raise your annual maximum to better suit your needs. There is usually a separate lifetime maximum for orthodontics. 

Least Expensive Alternative Treatment (LEAT)

If your plan has a LEAT clause, the company will only pay for the least expensive treatment available for any given condition.

Frequency Limitations

Some plans have limitations on how often they will cover a certain procedure. Generally, there is a set number of procedures permitted in a specific period. For example, most dental insurance plans will only cover two professional cleanings every 12 months, or one cleaning every six months. 

Understanding Your Benefits

If you are confused about your coverage, you can ask the staff at your dentist’s office to help you or call your insurance provider directly. You can also ask your provider for an Explanation of Benefits (EOB) which lists the procedures your plan does and does not cover. 

Making the Right Choice for You

When deciding whether to undergo a certain dental treatment, it is important to consider more than your insurance coverage. The least expensive treatment option may not be the right one for you. Be sure to discuss all aspects of your coverage and treatment plan with your dentist before making a decision.

New Jersey Dental Centers logo

New Jersey Dental Centers

Dr. Mouner Amer and Dr. Khaled Eldin are top-rated doctors who want every patient to love their smile. They are members of trusted dental organizations, including:

  • American Dental Association
  • New Jersey Dental Association
  • International Congress of Oral Implantologists
  • Academy of General Dentistry

Our dental care is affordable, but we offer flexible financing options to help you pay for treatment. To schedule a consultation at one of our six locations, call our Old Bridge office at (732) 679-6666 or contact us online.

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Old Bridge Office

3333 U.S. 9
Old Bridge, NJ 08857

Open Today 9:00am - 8:00pm

Saddle Brook Office

220 N 5th St
Saddle Brook, NJ 07663

Open Today 9:00am - 8:00pm

Fort Lee Office

1355 15th St.
Fort Lee, NJ 07024

Closed Today

Neptune City Office

1820 Corlies Ave
Ste 8
Neptune City, NJ 07753

Open Today 9:00am - 8:00pm

Woodland Park Office

482 Notch Rd
Woodland Park, NJ 07424

Open Today 9:00am - 7:00pm

Manhattan Office

175 Madison Ave
New York, NY 10016

Open Today 9:00am - 7:00pm

M-F 9-7Sat 9-2

West New York Office

5700 Bergenline Ave
Ste 2
West New York, NJ 07093

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