Dental Insurance & Payment Plans -Dentist in New Jersey

Insurance & Payment Plans

At Brilliant Smiles of North Plainfield in New Jersey, we believe that affordable dental care should be available to everyone. We create dental plans that maximize your insurance benefits and are most affordable for you. We stand behind the idea that affordable dental care should be a right for everyone and you can rest assured that we will work with you to ensure you pay as little out-of-pocket as possible for all services. 

At Brilliant Smiles, we believe that your smile is an investment. Your dental hygiene and the pride you take in your smile should never be lessened, whether or not you have dental insurance.

What Does Dental Insurance Cover?

Compared to most insurance plans, dental insurance can be very confusing. Traditional insurance plans are set up to cover the loss and the insurer bears the risk, while dental insurance covers most of the cost of specified treatments. 

Most dental policies cover some portion of the cost of dental treatments like fillings, dental crowns, root canals, and tooth extractions. They might also cover orthodontics, periodontics (a dental specialty that focuses on the gums and other supporting structures around the teeth), and prosthodontics, like dentures and dental bridges. Generally, dental insurance fully covers two preventive visits per year. This means bi-annual dental cleanings and dental exams will be covered by most dental insurance plans. 

Dental procedures at most insurance companies are grouped into 3 categories: preventive, basic, and major. ‍Most dental insurance plans cover preventive care at 100%, basic procedures at 80%, and major procedures at 50% or a larger co-payment.

Services Covered By Dental Insurance

  • Dental Crowns & Dental Bridges: Dental crowns and dental bridges are considered to be restorative treatments. So, most dental insurance policies cover the full cost of dental crown treatment and major portions of dental bridge treatment.

  • Root Canal: The cost of root canal treatment depends on the extent of the infection, but most dental insurance policies will cover at least part of the cost.

  • Dentures: Major insurance companies will cover the cost of dentures treatment either fully or partially, depending on the dental insurance plan. Generally, insurance will cover up to 50% of the treatment cost.

  • Dental Fillings: Depending on the dental insurance plan, the cost of fillings may be fully or partially covered.

  • Invisalign: Some insurance companies partially cover the cost of Invisalign treatment, depending on the dental insurance plan. 

Services Not Covered By Dental Insurance

Usually, cosmetic dental treatments and procedures are not covered by insurance. A procedure or treatment is considered to be cosmetic if:

  • The underlying tooth or tissue is not injured, impaired, or decayed.

  • There is no medical reason for performing the procedure or treatment.

  • It is used solely for enhancing the aesthetics of the patient’s smile.

The following dental treatments and procedures are not covered by most dental insurance plans:

  • Dental Implants

  • Teeth Whitening

  • Dental Bonding

  • Lumineers® Veneers

There is no need to be concerned however because these treatments and procedures can be financed with CareCredit.

Most major dental treatments and procedures are covered at least partially by nearly all dental insurance plans. However, each dental insurance plan is different and it is best to confirm which treatments are covered by your dental insurance and to what extent. For example, if you have insurance where a co-pay is not required, your exam, X-rays, and cleaning will be at no cost to you. If your insurance requires a co-pay, you must pay a small out-of-pocket cost.

Dental Insurance Terms

Insurance terms can often be quite confusing. Here are some commonly used dental insurance terms:

Payment Plans

While most insured families receive the majority of preventive services for free, we offer many different payment options so uninsured patients can still receive the dental care they need and in a manner that fits their budget. Insured and uninsured patients alike have a number of financing and payment options available to them including:

We accept the following payment modes:

We welcome all insurance plans and design dental treatment plans to maximize benefits!

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If you are looking for dentists in North Plainfield, NJ, look no further than Brilliant Smiles of North Plainfield for all of your dentistry needs. Whether you want a simple dental cleaning or you have a dental emergency, we are here to help. Contact us now.

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176 Cedar Street North Plainfield, NJ 07060

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Office Hours

Monday       : 7:30 am – 7:00 pm
Tuesday       : 7:30 am – 6:00 pm
Wednesday : 7:30 am – 7:00 pm
Thursday     : 9:00 am – 7:00 pm
Friday           : 7:30 am – 3:30 pm
Saturday      : 8:00 am – 1:00 pm