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.
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.
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.
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:
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.
Insurance terms can often be quite confusing. Here are some commonly used dental insurance terms:
Annual Maximum: The annual maximum is the total amount of money covered by your insurance plan.
Deductible: Deductibles refer to the fixed sum of money you are required to pay before your insurance plan begins to pay for your medical treatment.
Co-payment: Co-payment is the fixed sum of your expenses that you have to pay towards the medical treatment while the rest is covered by the insurer. Your copay applies even if you haven't met your deductible yet.
Co-Insurance: Co-insurance is the percentage of treatment costs that you have to bear after the deductible has been paid. For example, if you have an 80/20 plan, then your insurer will pay 80% of the cost and you are supposed to pay the balance 20%. It is similar to copayment. The main difference is that co-insurance is to be paid only after the deductible has been met while co-payment applies even if the deductible hasn’t been met yet.
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:
Convenient Payment Plans
In-Office Dental Plans
We accept the following payment modes:
Credit Cards (Visa®, MasterCard®, American Express®, Discover®)
Third-Party Credit Cards and Financing Options (CareCredit)
Major Insurances including Metlife, Cigna, Horizon BCBS, Aetna, Delta Dental, Guardian, Empire & Anthem BCBS, Principal, Sunlife
We welcome all insurance plans and design dental treatment plans to maximize benefits!
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.Request AppointmentCall us