Insurance & Payment Options

Quality dental care should be accessible. Here is how we make it work.

We believe finances should never be the reason you skip a dental visit. NJ DenTales Group accepts most major PPO plans, offers an in-house membership plan for the uninsured, and provides financing through Sunbit and CareCredit. Most patients qualify for at least one of these options.

PPO Insurance Plans We Accept

We work with most major PPO networks. If your plan is not listed, please call — we file claims for all PPO plans and may already work with yours:

• Delta Dental (PPO & Premier)
• Cigna Dental
• Aetna Dental
• MetLife Dental
• UnitedHealthcare Dental
• Guardian Dental
• Horizon Blue Cross Blue Shield NJ
• Humana Dental
• Principal Dental
• Most ADA Find-a-Dentist networks

For HMO/DHMO plans where you must be assigned a specific provider, please verify with your insurance company before booking.

Our In-House Membership Plan (For Patients Without Insurance)

If you do not have dental insurance, our membership plan often beats traditional insurance value. For a flat annual or monthly fee, you receive:

• 2 comprehensive exams per year
• 2 professional cleanings per year
• Routine X-rays included
• 1 emergency exam per year
• 10-20% discount on all additional treatments
• No deductibles, no annual maximums, no waiting periods, no insurance claim hassle

Call us at (908) 800-7600 for current pricing.

Sunbit Financing

Sunbit is our primary financing option, and for most patients it is the easier one to qualify for. It was built for exactly this situation — a treatment plan you did not budget for, needed sooner rather than later.

• About 30 seconds to apply, right at the front desk on a phone or tablet
• Checking your options does not affect your credit score — it is a soft pull
• Approves a much wider range of credit profiles than traditional lenders, including thin or bruised credit
• Terms from 3 to 72 months, depending on the treatment amount
• No prepayment penalty — pay it off early with no fee

Ask us to run your Sunbit options before you decide on treatment. Knowing the actual monthly number often changes the conversation.

CareCredit Financing

For larger treatment plans — implants, full-mouth restoration, cosmetic work — we offer financing through CareCredit. Qualifying applicants can receive 0% interest promotional plans for 6, 12, 18, or 24 months. Apply online before your appointment at carecredit.com.

Self-Pay (Out-of-Pocket)

Paying directly? You get transparent, upfront pricing with no insurance markup. We accept cash, all major credit cards, checks, HSA/FSA cards, and Apple Pay.

New Patient Special — $300.00

New patients without insurance receive a complete new-patient package for $300.00: comprehensive oral exam, full-mouth X-rays as needed, professional cleaning (absent periodontal disease), and personalized treatment plan. Limited-time offer for new patients only; not valid with insurance.

Verification & Estimates

Before your first appointment, we verify your insurance benefits so you know what is covered. Before any major treatment, we provide a written estimate of your out-of-pocket cost. No surprises.