Dental Insurance – Edison, NJ

Maximizing Your Savings at Every Visit

Dental insurance can be both a blessing and a curse, depending on your dental office. At One Dental New Jersey, we provide exceptional all-around service, including when it comes to helping you maximize your benefits. We’re proud to accept most major PPO plans, and our helpful team will check your coverage before you undergo treatment so you know exactly what you could need to pay out of your own pocket. For help navigating your plan, please reach out to our friendly team.

How Does Dental Insurance Work?

a patient filling out forms on a clipboard

Dental insurance isn’t as clear-cut as many patients expect it to be, and we understand how frustrating this can be. In short, you pay a monthly fee through your employer or directly to the insurance company in order to receive benefits. These plans typically renew every year on January 1st, and any unused benefits will not role over. When your plan restarts, your deductible will also reset, requiring you to pay a set out-of-pocket expense determined by your dental insurance company before your benefits kick-in.

Your dental insurance plan will also have an annual maximum, which is the capped off amount that your insurance company will pay for your treatments throughout the year. Any amount that exceeds the maximum will need to be paid out-of-pocket.

What Does Dental Insurance Cover?

a dentist pointing at an X-ray

Dental insurance operates based on a 100-80-50 coverage structure, where your benefits are largely concentrated on covering preventive services like tooth-colored fillings, checkups and cleanings, etc. Most dental insurance plans will cover 100 percent of the cost of two checkups and cleanings spaced six months apart, as well as routine X-rays. They also cover around 80 percent of the cost of minor services like fillings, and 50 percent of more extensive treatments like dentures and root canals.

In-Network vs. Out-of-Network

a front desk dental office staff member talking to a patient and filling out forms

If our office is in-network with your dental insurance plan, it means that we’ve signed a contract with the company to offer discounted rates and fees to those patients. If we’re out-of-network with your PPO plan, don’t worry, you can still come see us! Our team will file insurance claims on your behalf, and in many cases, your out-of-pocket costs aren’t any higher than if you were in-network!

Our accepted plans include:

  • Delta Dental PPO
  • MetLife PPO
  • BlueCross BlueShield PPO
  • Horizon PPO
  • Aetna PPO
  • Cigna PPO
  • United Healthcare PPO
  • United Healthcare Medicare
  • Guardian PPO
  • Principal PPO

If you have any questions about your insurance plan or benefits, please contact our team. We would be happy to help!