Insurance & Payment
No surprises about cost.
You will know what treatment costs, what your insurance is expected to contribute, and what you will owe — in writing, before anything begins.
Plans we are in-network with
We participate directly with several major carriers, which generally means lower out-of-pocket costs for you and claims filed automatically.
- Delta Dental Premier
- Aetna PPO
- Cigna PPO
- Guardian PPO
If your plan is not listed
You are still welcome here, and this is worth understanding properly because a great many patients assume otherwise. Most dental policies include out-of-network benefits, often reimbursing a meaningful share of the fee. We file those claims for you rather than leaving you to submit paperwork yourself.
Call the office with your plan name and member number before your visit, and we will find out what your benefits actually are. It takes a few minutes and it means you arrive knowing where you stand.
Payment
We accept cash, check, and all major credit cards. We do not work with third-party financing companies.
For substantial cases we are glad to phase treatment across time — both to spread the cost and, where it applies, to make use of more than one year's insurance maximum. The only condition is that the sequencing has to be clinically sound, and we will tell you plainly what can wait and what cannot.
Questions
Insurance and cost
What if my plan is not on the in-network list?
You are still very welcome. Most dental plans include out-of-network benefits, and we will file the claim on your behalf so you are not left doing the paperwork.
Call the office with your plan details and we will check what your specific benefits look like before you commit to anything. Please also confirm your insurance at the time of your appointment — plans change, and it is easier to sort out beforehand.
Does insurance cover dental implants?
Increasingly, plans contribute something toward implants, though rarely the full cost. Coverage varies enormously between policies, and many plans that do cover implants apply waiting periods or missing-tooth clauses.
The bigger constraint is usually the annual maximum. Most dental plans cap benefits somewhere between $1,000 and $2,500 a year, which is modest relative to the cost of implant treatment. For larger cases, some patients spread treatment across two calendar years to use two annual maximums.
We will verify your benefits in writing before treatment begins.
Will you tell me the cost before you start?
Always, and in writing. You receive an itemized treatment plan showing each procedure, the fee, the estimated insurance contribution, and your estimated portion.
For complex cases we also break the plan into phases so you can see what is needed now and what can reasonably wait.
Do you offer payment plans?
We do not work with third-party financing companies. What we do instead, for substantial treatment, is phase the work over time — both to spread the cost and, where it applies, to make use of more than one year of insurance benefits.
The only condition is that the sequencing has to be clinically sound. We will tell you plainly what can wait and what cannot, and you will have the plan and the costs in writing before anything begins.
Do you take Medicare or Medicaid?
Original Medicare does not generally cover routine dental care, though some Medicare Advantage plans include a dental benefit. If you have an Advantage plan, call the office with the details and we will check what it covers.
Please call to confirm our current participation before assuming coverage either way.
Talk it through with a specialist.
Most people considering implants or major reconstruction have been thinking about it for a long time. A conversation costs nothing and there is never any pressure.
40 West 86th Street, Suite 1C · New York, NY 10024