Artistic Dental Insurance Information
Your dental benefits should work for you, not the other way around.
Understanding Your Insurance Options at Artistic Dental Has Never Been Simpler
Navigating dental insurance is one of the most common concerns patients have before scheduling an appointment. Questions about whether a plan is accepted, what gets covered, and what you will owe out of pocket can make the whole process feel overwhelming before you ever sit in the chair. At Artistic Dental, our team is here to take the guesswork out of your coverage. We work with most major PPO plans and are happy to assist you in understanding your benefits, estimating your costs, and filing claims on your behalf so you can focus on what matters most: your smile.
Insurance Information
Dental Insurance Plans We Accept
Artistic Dental proudly serves patients from Jackson Township, Lakewood, Howell, Toms River, and the surrounding Ocean County communities. To make care as accessible as possible for families and individuals throughout the region, we accept most major PPO (Preferred Provider Organization) dental insurance plans. Whether you are coming in for a routine cleaning, a cosmetic procedure, or a comprehensive restorative treatment, we will work to help you maximize the benefits available to you.
The following are among the insurance carriers we accept:
- Cigna
- Aetna
- MetLife
- United Healthcare
- United Concordia
- Guardian
- Horizon
- TRICARE (select plans)
Please note that Artistic Dental does not participate with DMO or DHMO plans. If your plan falls under one of those categories, you are still welcome to visit our office, but your DMO or DHMO benefits will not apply. If you are unsure what type of plan you have, our team is glad to help you find out before your visit.
Making the Most of Your Coverage
How We Handle Out-of-Network Insurance
Being out of network does not mean you cannot be seen here. At Artistic Dental, we want every patient to know that a plan listing us as out of network is not a reason to delay care or look elsewhere. Most PPO plans still provide meaningful coverage for out-of-network visits, and our team is here to help you make the most of what your plan offers.
When you visit us, we handle the insurance side on your behalf. We submit claims directly to your insurance company, work to maximize whatever benefits your specific plan makes available, and walk you through your estimated costs before any treatment begins. Our goal is to make sure you are never caught off guard by a bill, and that a gap in network participation never becomes a barrier to getting the care you need.
We also accept HSA and FSA funds as forms of payment, giving patients additional tools to manage out-of-pocket expenses. If you have questions about how your specific plan works at our office, our front office team is happy to verify your benefits and give you a clear picture before your appointment.
What to Know About Delta Dental
Artistic Dental is not currently in-network with Delta Dental. That said, being out of network with Delta Dental does not mean you cannot receive care here. Depending on the specific Delta Dental plan you hold, out-of-network benefits may still apply, and our team will submit claims on your behalf and work to maximize the benefits available to you under your plan.
If you are a first responder or teacher with Delta Dental, please also ask about our special courtesy program — we offer a 20% courtesy on out-of-pocket costs for hygiene visits as a thank-you to the people who serve our community. You can read more about that program in the section below.
For any questions about your Delta Dental coverage and how it applies at our office, we encourage you to contact your plan directly or give our team a call before your visit.
A Special Courtesy for First Responders and Teachers With Delta Dental
If you are a first responder or teacher with Delta Dental coverage, we want you to know about a courtesy program we recently launched at Artistic Dental. Because Artistic Dental is not in-network with Delta Dental, patients in this situation typically have out-of-pocket costs for their visits. As a way of recognizing the people who serve our community, we are pleased to offer a 20% courtesy on out-of-pocket hygiene visit costs for first responders and teachers who carry Delta Dental.
This program is available directly through our office and applies to your out-of-pocket portion on qualifying hygiene appointments. When you call to schedule, let our front desk team know that you are a first responder or teacher with Delta Dental coverage, and we will make sure this courtesy is applied to your account. It is a small way of saying thank you to the people who show up for our community every day.
Savings Plan
No Insurance? We can help!
Artistic Dental can make you smile with our Healthy Smile Savings Plan!
Being a member of our Healthy Smile Savings Plan offers you the ability to obtain your dental treatment at reduced prices. In an effort to help our patients who do not have insurance, and for those who do have insurance but have exhausted their benefits, we have designed an affordable alternative plan to maintain your dental health — contact us to learn more and enroll today. This is not Dental Insurance, and is exclusive to our office.
Our Healthy Smile Savings Plan will allow you the opportunity to visit our office regularly for your preventive dental care two times per year, at a substantial savings. Preventive care is essential for optimal dental health. In addition, most other dental treatment, if necessary, will be discounted by up to 25%! Now this is something to smile about!
- No pre-authorizations or deductibles
- No claim forms
- No pre-existing conditions
- Immediate eligibility
- No waiting period
- No third-party company involved! This allows all fees to be used directly towards providing you with the very best dental care, service and technology available.
Annual Membership Fees
Membership fee includes the following services for one year at no additional charge
- Regular Dental Cleanings or Periodontal Maintenances (2 per year)
- Periodic Oral Exams (2 per year)
- Full Periodontal Evaluation
- Full Series X-rays (For Adults, Every 3 years Only If Continuous Membership in This Plan is Maintained)
- Checkup X-rays (1–2 times per year as needed)
- Up to 25% Discount on Most Other Treatment Needed
- Intra-Oral Photo Imaging (as needed) Visual Oral Cancer Screenings
(2 per year; Velscope offered for a nominal additional fee) - Fluoride (2 per year for children 15 and under; for adults at an additional fee)
Savings Plan
Savings Plan
Savings Plan
*All plan rules and provisions will be outlined on your enrollment form.
Frequently Asked Questions
We know that insurance questions do not always have easy answers, and our team hears many of the same concerns from patients across Jackson Township and beyond. Here are a few of the questions we get most often.
Do you accept my insurance plan?
We accept most major PPO dental insurance plans, including Cigna, Aetna, MetLife, United Healthcare, United Concordia, Guardian, Horizon, and select TRICARE plans. We do not participate with DMO or DHMO plans. If you are unsure whether we accept your plan, we recommend calling our office before your appointment so we can verify your benefits and give you a clear picture of your coverage before you arrive.
What if my insurance plan considers you out of network?
Even if our office is considered out of network by your PPO plan, you can still receive care here and use your insurance benefits. We will file claims on your behalf, provide you with a cost estimate prior to treatment, and work with you to help maximize whatever benefits your plan makes available. Our financial policy outlines that estimated insurance benefits are not a guarantee of payment, and any unpaid balance becomes the patient’s responsibility, but we make every effort to keep you informed throughout the process.
What payment options are available if insurance does not cover everything?
For patients whose insurance does not cover the full cost of treatment, Artistic Dental offers a number of flexible options. We accept CareCredit and Cherry financing for qualifying patients, and we also offer in-house payment arrangements for specialty cases. HSA and FSA funds are accepted as well. For patients without insurance or those who have exhausted their annual benefits, our Healthy Smile Savings Plan provides an affordable alternative that includes two cleanings per year, oral exams, routine x-rays, and up to 25% off most other treatments. You can learn more about that option on our savings plan page.