Your Insurance Works Here, Even If We’re Not In Your Network
Many patients come to Colonia Dental Associates with questions about whether their insurance will work at our Colonia, NJ, practice. The short answer is that for most patients in the Woodbridge area, it will. We accept all major PPO plans on an out-of-network basis, which means we can still work with your insurance and file claims on your behalf, even if we are not listed as a preferred provider in your plan’s directory. Our front desk team is here to help you understand your coverage and make the most of the benefits you already have.
Insurance Information
We Accept Most Major Insurance Plans
Colonia Dental Associates is a fee-for-service practice, which means we are out-of-network with most insurance carriers. However, being out-of-network does not mean your insurance cannot be used here. Most PPO plans include out-of-network benefits, and we file claims directly with your insurance provider so you can receive reimbursement in accordance with your plan’s coverage. Our team verifies your benefits ahead of your appointment and walks you through any estimated costs so there are no surprises.
We are in-network with Cigna PPO and with select Horizon Traditional Plans, including plans offered through the Woodbridge Board of Education and the Edison Police Department. If you have Horizon coverage through your employer, contact our office to confirm whether your specific plan is included.
The insurance carriers we work with include:
- Aetna
- MetLife
- Horizon (select Traditional Plans)
- BlueCross BlueShield
- Delta Dental (out-of-network)
- United Healthcare
- Guardian
- DentaQuest
- Medicare supplement plans
- Cigna PPO (in-network)
Out-of-Network Benefits and What They Mean for You
Making the Most of Your Plan
Patients throughout the Woodbridge area, including teachers, municipal employees, and union members, often have PPO plans with strong out-of-network benefits. This means your plan may cover a significant portion of your treatment costs, even at a fee-for-service practice like ours. We have worked with patients who hold plans through local employers and unions and have maximized their available benefits through proper claim submission.
When you call our office, our front desk team will ask for your insurance information in advance and do their best to give you a realistic picture of your expected coverage and any out-of-pocket costs. Transparency is something we take seriously because we want patients to feel confident and informed before they sit in the chair, not surprised when they receive an explanation of benefits in the mail.
For patients who choose to proceed without insurance, we also offer financing through CareCredit and Cherry, providing flexible monthly payment options for larger treatment plans such as implants, veneers, or full-arch restorations.
Frequently Asked Questions
We know patients have real questions about how dental insurance works outside of a traditional in-network setting. Here are a few of the most common ones we hear.
How does out-of-network billing work?
When you receive treatment at Colonia Dental Associates, we submit the claim to your insurance carrier on your behalf. Your insurance company will then reimburse you or pay us directly based on your plan’s out-of-network benefit schedule.
What if I have a PPO plan through my employer?
Most employer-sponsored PPO plans include out-of-network coverage. Contact our office with your insurance details, and we will verify your benefits before your appointment so you know what to expect.
Do you accept patients without insurance?
Yes. Patients without insurance can pay using cash, check, credit card, CareCredit, or Cherry. Our team can also walk you through the available financing options if you are planning a more extensive procedure.
Do you have an upcoming appointment at Colonia Dental Associates? If so, you might have questions about our payment and insurance options.
Preventive dental care and treatment options are important. Our dentists feel that everyone should have the chance to get the dental care they need.
If you’re looking for a dentist in Colonia, NJ, contact our dentists near you today to schedule an appointment.
Accepted Insurances
We accept all major PPO plans with out of network benefits.
Insurances we accept:
and supplement plans in addition to many other plans.
We are in network with the following providers:
HorizonTraditional Plans:
Traditional
Dental Option
FEP Blue
Healthy Smiles Plus
Grid Plus
Young Grins
Family Grins
Family Grins Plus
If you’d like to know more about how we work with your dental insurance provider, give us a call today and our front desk team will happily answer your questions.
Finance Options
We work with the following finance providers, making certain dental procedures affordable with low monthly payments:
Contact us if you’d like to discuss finance options further, or if you need any help applying. Our front desk are here to help you.
Other Accepted Payment Methods
In addition to using insurance, you can pay using one of the following methods. These payment methods may be used in conjunction with insurance or on their own if you do not have insurance.
Cash/Check
Credit Cards
Contact Colonia Dental Associates to learn about dental insurance and financing near you.