Dental Insurance – Bayville, NJ

Get the Most Out of Your Benefits

Dental insurance form displayed on laptop screen

If you have a dental insurance plan, you can rightly consider it an asset. Not only can it allow you to enjoy low-cost preventive care, but it may also greatly reduce the out-of-pocket cost for restorative services. But how can you get the most out of your benefits? Our Bayville dental team is ready and eager to assist our valued patients. We welcome many different insurance plans, and we can help you through the process of using your policy so you get all the benefits you are entitled to. We are even in-network with plans from many popular insurance companies!

How Dental Insurance Works

Happy dental patient using hand to make “OK” sign

Every dental insurance plan comes with its own unique set of details, so you will need to look at your unique policy to find out how it applies in various situations. In the meantime, here is a generalized overview of how many popular PPO plans work:

  • Preventive care, including things like exams, X-rays, and cleanings, is usually 100% covered.
  • Minor services, such as fillings and non-surgical extractions, are typically up to 80% covered.
  • Major services, often including crowns, dentures, and some types of oral surgery, are up to 50% covered.
  • Orthodontia is covered only under certain premium plans. It might be up to 50% covered.
  • Cosmetic services are almost never covered.

Your plan may come with a number of stipulations, such as a deductible, a waiting period, and an annual maximum that places a limit on how much your insurance company will pay out within a calendar year.

What Is the Difference Between Dental & Medical Insurance?

Close-up of health insurance ID card

Medical insurance covers systemic health and major treatments. It does not cover basic dental services, such as cleanings, exams, and fillings. Dental insurance has a strong preventive focus and is designed to prevent major problems for your smile.

In some cases, there is a bit of crossover between medical and dental insurance. For example, they might both apply to certain types of oral surgery.

In-Network vs. Out-of-Network

Smiling, happy male dental patient

Whether our practice is in-network or out-of-network with your insurance plan, you may still be able to use your benefits here.

In-Network Coverage

Smiling female dental patient with dark hair looking over her shoulder

We have a contract with a number of dental insurance companies, meaning that we are “in-network” with some of their plans. This arrangement keeps out-of-pocket costs as low as possible for our patients.

Here are a few of the companies that we are in-network with:

  • Aetna
  • Assurant
  • Delta Dental
  • Cigna
  • Guardian
  • Principal
  • United Concordia


Dental team member accepting payment at office front desk

If you don’t see your dental plan listed above, do not worry. With your insurance information in-hand, call our office. We are often able to help out-of-network patients enjoy many of the same benefits that they would at in-network practices! This holds especially true for PPO insurance plans, which allow policyholders to visit any licensed dentist or dental specialist.