Dental Insurance & Payment Options

Making

Quality Dental Care

Accessible and Affordable for Somerset Families

Insurances accepted

  • Humana
  • IEHP
  • MetLife
  • Principal
  • Scan
  • United Healthcare
  • L.A. Care
  • Western Health
  • Aetna
  • Ameritas
  • Anthem BlueCross
  • BlueCross BlueShield
  • Cigna
  • Delta Dental
  • Denti-Cal
  • Guardian
  • Health Net

If your insurance isn’t listed, please call us at 732-532-0819. We accept many plans and can confirm your coverage.

We Make Dental Care

Affordable

At Cedar Smiles Dental, we believe that financial concerns should never prevent you from receiving the quality dental care you deserve. That’s why we accept most dental insurance plans and offer multiple payment options designed to make your treatment both accessible and affordable.

Our experienced team will work with you to maximize your dental benefits and create a payment plan that fits comfortably within your budget, ensuring you can focus on achieving optimal oral health without financial stress.

Healthcare

Financing Partners

CareCredit Healthcare Financing:

  • No upfront costs or prepayment penalties
  • Promotional periods with no interest if paid within terms
  • Extended payment plans up to 60 months
  • Instant approval process available
  • Can be used for family members and pets

Cherry Flexible Payment Plans:

  • Simple application process with quick decisions
  • Flexible payment terms to fit your budget
  • No impact to credit score when checking rates
  • Transparent terms with no hidden fees
  • Monthly payment options for treatment plans

Additional Payment Options:

  • Major credit cards accepted (Visa, MasterCard, American Express, Discover)
  • HSA (Health Savings Account) and FSA (Flexible Spending Account) welcome
  • Cash and personal checks accepted
  • Split payment arrangements for larger treatment plans

Making Dental Care Accessible

Multiple payment options for every patient
Insurance Acceptance

We accept most PPO dental insurance plans and work with both in-network and out-of-network benefits. Our team handles all insurance paperwork, submits claims on your behalf, and helps you understand your coverage so you can make informed decisions about your dental care without surprises.

Flexible Financing

Through partnerships with CareCredit and Cherry, we offer convenient financing options with promotional periods and flexible payment plans. These healthcare financing solutions allow you to receive the treatment you need now while spreading the cost over manageable monthly payments that fit your budget.

Membership Plans

For patients without dental insurance, our in-house membership plans provide significant savings on preventive care and discounts on treatment. These affordable monthly plans ensure you can maintain excellent oral health with regular cleanings and exams while saving money on additional treatments.

Ready for a

Healthier Smile?

Don't let insurance questions or financial concerns delay your dental care. Our experienced team is here to help you understand your options and create a payment solution that works for your situation. Whether you have insurance, need financing, or want to explore our membership plans, we'll work with you to ensure you can receive the quality dental care you deserve. Contact us today to verify your benefits or learn more about our affordable payment options.

FAQ

Do you accept my dental insurance plan?

We accept most PPO dental insurance plans including major carriers like Delta Dental, Blue Cross Blue Shield, Aetna, Cigna, and UnitedHealthcare. Even if we're not in your specific network, we can help you maximize your out-of-network benefits. Our team will verify your coverage and explain your benefits before any treatment begins.

How does financing work for dental treatment?

We partner with CareCredit and Cherry to offer flexible financing options. These healthcare financing companies provide promotional periods, extended payment plans, and budget-friendly monthly payments. The application process is quick and easy, often with instant approval. You can receive treatment now and pay over time with terms that work for your budget.

What if I don't have dental insurance?

Our in-house membership plans are perfect for patients without insurance. For an affordable monthly fee, you receive two cleanings, two exams, necessary X-rays, and 15% off all treatments annually. There are no waiting periods, claim forms, or annual maximums. It's a simple way to maintain your oral health while saving money.

Can you help me understand my insurance benefits?

Absolutely! Our experienced team will verify your insurance coverage, explain your benefits in easy-to-understand terms, and provide a clear breakdown of costs before treatment. We handle all insurance paperwork and claims submission, so you can focus on your dental health without worrying about insurance complications.

Do you offer payment plans for expensive treatments?

Yes, we offer several options for managing larger treatment costs. Through CareCredit and Cherry financing, you can spread payments over months or years with promotional periods. We also accept HSA and FSA accounts, and can arrange split payment schedules for treatment plans. Our goal is making quality care accessible regardless of the cost.

How do I get started with insurance verification?

Simply bring your insurance cards to your appointment or call our office with your insurance information. We'll verify your benefits at no charge and provide a detailed explanation of your coverage. This includes your annual maximum, deductible, coverage percentages, and any remaining benefits available for the year.