Financing Options

Quality dental care is an investment in your health and confidence. We understand dental procedures can create financial concerns, especially for comprehensive treatments like implants and prosthodontic work. At Dental Associates of Jersey City, we offer several flexible payment options to help you receive the care you need when you need it.

We operate as a PPO-only, out-of-network provider accepting all major insurance companies including MetLife and Horizon. While we might not be in network with your insurance, we process benefits on behalf of all PPO providers and quickly file claims to ensure you receive the maximum savings. You’ll pay upfront for treatment, and we’ll file your claims so you receive reimbursement directly from your insurance company.

Flexible Financing Solutions

We’ve partnered with several reputable financing companies to offer you interest-free payment options:

CareCredit provides healthcare financing with promotional interest-free periods for qualified applicants. This allows you to begin treatment immediately while spreading payments over several months.

Cherry offers quick approval processes with multiple payment plans, including $0 down options for many treatments.

Sunbit provides instant financing decisions at the point of care, making it easy to move forward with recommended treatments without delay.

In-House Payment Plans

For expensive treatments, we also offer internal payment splitting arrangements. We typically structure these as two payments: one immediately and another in six months, usually divided as 75% upfront and 25% after six months. For comprehensive cases, we may offer a 10% discount for full payment.

Understanding insurance benefits can be complex. Most dental insurance plans have annual maximums around $1,000, which means coverage for procedures like implants or extensive prosthodontic work is often limited regardless of your provider network status. Our team will work with you to maximize your benefits while exploring additional payment options that fit your budget.

Getting Started

Ready to discuss your treatment and financing options? Our team will help you understand your insurance benefits and explore payment plans that work for your situation. We believe financial concerns shouldn’t prevent you from receiving quality dental care.