Dental Insurance – West Orange, NJ

Maximizing Benefits to Help You Save

At D&G Dental of West Orange, our team not only believes in making oral healthcare easily accessible for patients, but we also aim to keep the out-of-pocket prices associated with these services as affordable as possible. This is why we are pleased to be in-network with countless PPO dental insurance plans. When choosing to use your benefits to help reduce the overall cost, our team is here to make sure you get the most out of your coverage; even if you are out of network, we’ll still file your claim so you can get the maximum reimbursement. Just call our office to inquire about ways you can save when using your dental insurance in West Orange.

How Dental Insurance Works

Keyboard with dental insurance key

Dental insurance is used to help reduce the cost of all eligible preventive and restorative dental services. Since these treatments are designed to treat and improve your oral health, your policy will likely provide full or partial coverage when filing a claim.

There are a few key factors that you must remember when enrolling in a dental insurance plan:

  • Most only provide benefits that are good for a single calendar year.
  • Depending on the company, your benefits may not roll over to the following year. If they do not, they will expire on December 31 at midnight.
  • Any unused funds (annual maximum) are returned to the insurance company at the end of the year.
  • You must agree to pay a monthly premium to gain access to your available benefits.
  • You must meet your annual deductible before your insurance company begins to pay more for the services you receive.
  • The annual maximum you are provided by your insurance company is the allotted amount they will agree to pay in a single year.

What is the Difference Between Dental and Medical Insurance?

There are key differences between dental and medical insurance. While medical focuses on providing greater savings after an incident has occurred (i.e., hospitalizations, etc.), dental insurance is designed to encourage prevention. This is why you will see most plans offering 80-100% coverage for dental exams, cleanings, and X-rays. These services help reduce the risk of serious oral health problems that would otherwise require you and your insurance company to pay more.

In-Network vs. Out-of-Network

Older man in treatment chair seeing dentist

If you’re unsure what in-network or out-of-network means when looking at your policy, it ultimately comes down to whether your dentist has a contractual agreement with a particular company. This in-network format ensures you pay less when receiving covered services (i.e., dental checkups and cleanings, dental fillings, dental crowns, root canals, etc.).

In-Network Coverage

D&G Dental of West Orange is pleased to be in-network with most PPO dental insurance plans. Our team will be happy to review your policy and discuss your available benefits so that you understand how to use your insurance most effectively.

We work closely with the following dental insurance plans:

  • Delta Dental
  • MetLife
  • Guardian Dental Guard PPO
  • Aetna
  • UnitedHealthcare

 

Out-of-Network

If we are considered out-of-network with your dental insurance, do not worry. You will still receive high-quality service and care, and we will file all claims on your behalf so that you can worry less. By filling out the necessary paperwork for you, we can make sure you receive the maximum reimbursement once your treatment is complete.