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Dental Insurance – Hoboken, NJ

Your Field Guide to Saving with Insurance

When you sign up for a dental insurance plan, you know it’s supposed to help you save on your dental care, but providers don’t exactly tell you the best ways to use it, right? At the dental office of Robert Graffeo, DDS, we not only accept insurance, but we actively work to educate our patients so they can make the most of their plans and maximize their benefits. Below, you’ll find a short guide with money-saving insurance tips, and if you have any questions about your particular policy, go ahead and give us a call anytime.

Understanding How Dental Insurance Works

One of the most important things to understand about dental insurance is that most plans are geared more towards preventing problems rather than treating them. That’s why services like checkups and cleanings typically receive much more coverage than fillings or crowns. The intent is to help patients be proactive with their care so they can avoid serious issues and therefore not need more costly procedures. Generally, a prevention-first approach also leads to better oral health over time, too!

What Your Dental Insurance Plan Covers

While every plan from each insurance provider is a little different, most have coverage that essentially works the same way, in that prevention is king. Checkups, cleanings, and X-rays are covered about 80-100% on the majority of plans, while fillings, crowns, bridges, and dentures receive 50-70% coverage. It’s also standard that cosmetic treatments like teeth whitening and porcelain veneers receive NO coverage because they are deemed elective procedures. We can help you figure out exactly what is and isn’t covered by your specific plan to make things easier—just give us a call with your policy information handy.

We Offer In-Network Savings & Welcome Out-of-Network Providers

When a dental office is “in-network” with a dental insurance plan, this essentially means they are able to offer the highest discounts possible. Robert Graffeo, DDS is in-network with many popular plans, but we’re happy to work with most out-of-network providers as well. To learn whether or not we can use your plan, just give us a call, and you’ll likely be pleasantly surprised by the savings we can offer.

We proudly accept the following insurances: