Aetna PPO & Medicare Advantage Dental Insurance West New York

Hudson Dental Center in West New York NJ gladly accepts Aetna PPO & Medicare Advantage Dental Insurance. We are committed to providing optimal dental care to all patients. In order to provide the highest quality care, please read on for important information regarding your dental insurance.

Our Approach Toward Dental Insurance

We request to provide your dental insurance prior to your appointment and our insurance verification department will gladly obtain all necessary information (also known as breakdown) from Aetna Dental Insurance Company. Most plans covers first visit (exam + full mouth series of X-Rays + regular cleaning) at 100%. For any treatment our experienced dentist recommends, our treatment plan coordinator will present treatment options, what will be covered by your insurance and what will be your cost towards the treatment.

WHAT YOU NEED TO KNOW ABOUT DENTAL INSURANCE:

Insurance Payments for Dental Procedures

There is no such thing as complete insurance coverage. Rather, dental insurance plans only cover a portion of your overall care expenses. The average coverage plan handles between 50 and 80 percent of dental care costs. How much your insurer pays depends on your specific contract and coverage history.

Determination of Benefits

Your dental insurance benefits are not determined at all by your dentist. Most insurance companies utilize a schedule they create on their own and allow their own designated fees. This can vary widely by company because they calculate it based on the average of the claims they’ve seen. Allowable fees are typically determined based on data from the past three to five years and often leaves them a 20 to 30 percent profit. Sadly, these fees are often designed to imply you are being overcharged, rather than the insurance company underpaying. In some cases, you may receive reimbursement that comes at a rate much lower than what you may have been charged for care. This may happen as a result of the company’s records of the typical fee for that specific procedure being lower than what the dentist has charged. This type of statement can give off a false impression your dentist is charging you too much in comparison to other dentists within your area.

Deductibles and Co-Payments

Percentages and deductibles are an important part of dental benefit estimates. Allow us to provide you with an example. For example, $150 is your calculated fee for a specific procedure. Your company sets that same amount as what it is willing to pay based on usual charges for that procedure. You will first have to cover the deductible cost of $50. Your insurance company will pay for the remaining 80 percent, leaving the last $70 unpaid and in your hands. Some insurance companies pay even smaller percentages than the amount described above, leaving more debt on the patient’s hand.
Be sure to always reach out to us about any alterations to your insurance company’s contact information or your overall policy. Contact your insurance company or employer for answers to any questions you may have. However, we are happy to answer any general questions.

What About Finances?

You will only have to pay for your treatment on the day it has been administered to you. We are 100 percent willing to work with you to help you pay for your care in a way that fits into your personal financial situation but also allows you to clear your debt in a timely manner. Credit and debit cards, personal checks and cash are all acceptable forms of payment. We also utilize a company which provides a 12-month interest free payment plan for your convenience.

If you have Aetna Dental Insurance in West New York NJ, call 201.662.1922 to schedule an appointment today!