Dental Insurance & Payment Information

Whatever Your Plan, There’s a Way to Get the Care You Need

Insurance is one of the most confusing parts of dental care — and one of the most common reasons people put off a visit. Let’s make it simple.

At Aesthetic Family Dentistry, we work for our patients, not for insurance companies. We’re in-network with Delta Dental, we accept most other PPO plans through their out-of-network benefits, and we offer our own membership plan for patients who don’t have coverage at all. Whichever category you fall into, there’s almost always a path forward — and we’ll walk you through the numbers before you commit to anything.

Not sure what your plan covers? Call us at (845) 209-2500. We’ll verify your benefits and give you an estimate, free and with no obligation.

In-Network Plans

We are an in-network provider for:

• Delta Dental Premier
• Delta Dental PPO

If you carry one of these plans, your benefits apply at our contracted rates and we handle the paperwork start to finish.

Don’t See Your Plan? You’re Still Welcome Here.

This is the part most patients don’t realize: out-of-network does not mean uncovered.

The large majority of PPO dental plans include out-of-network benefits. Your insurance still pays toward your care — often at a percentage very close to what it would pay in-network. The difference is usually a modest gap between what your plan allows and what we charge, and for most patients that gap is far smaller than they expect.

Here’s how we make it easy:

• We file your claim for you. You won’t mail forms, sit on hold, or wait on reimbursement paperwork. We submit to your carrier as a courtesy.
• We verify your benefits before you book. Tell us your carrier and plan and we’ll find out what you’re actually covered for.
• We give you an estimate up front. You’ll know your expected portion before treatment begins — no surprise balances.
• Preventive care is often covered at or near 100%, in-network or out. Cleanings and exams frequently cost you little or nothing either way.

With some plans, you pay our office directly, we submit the claim, and your insurance reimburses you. We’ll tell you in advance if yours works that way so nothing catches you off guard.

One phone call is usually all it takes to find out you can afford to be here. Call (845) 209-2500.

A Note on State Insurance

We are not currently able to accept state-funded plans, including Medicaid. We know that’s disappointing to hear, and we don’t want it to be the end of the conversation — our membership plan and in-house payment plans were built for exactly this situation. Give us a call and we’ll find an option that works for your budget.

No Insurance? Our Membership Plan May Beat One.

Dental insurance was never built to cover everything. Annual maximums have barely moved in decades, and plenty of plans deliver so little that patients come out ahead without them.

Our in-house membership plan is a straightforward alternative. For one annual fee, members receive their routine preventive care — exams, cleanings, and X-rays — plus a discount on additional treatment.

• No deductibles
• No claim forms
• No waiting periods
• No annual maximum

It’s a strong fit for patients without dental coverage, self-employed families, retirees who’ve lost benefits, and anyone whose plan simply isn’t pulling its weight.

Learn About Our Membership Plan

Financing & Payment Plans

For larger treatment — implants, crowns, full-mouth restoration — we offer financing options and in-house payment plans so you can move forward on a schedule that fits your budget, instead of postponing care until a small problem becomes an emergency.

Smile Now, Pay Over Time

Our Approach to Insurance

We think you deserve to know where we stand.

We don’t work for an insurance company — we work for our patients. When your plan provides benefits, we’ll do everything we can to help you use every dollar of them.

But the treatment we recommend is based on what your mouth actually needs, not on what a fee schedule happens to reimburse. We’d rather tell you the truth about your teeth and then help you figure out how to pay for it than quietly recommend less because of what your plan covers. That’s a commitment this practice has held for more than 50 years, and it’s the reason families drive here from across Orange County, NY, Pike County, PA, and Sussex County, NJ.

Common Questions

Will it cost more to see you if you’re out-of-network?
Sometimes slightly, sometimes not at all — it depends entirely on your plan. Preventive visits are often identical. We’ll give you a specific estimate before you decide.

Do I have to pay the full amount up front?
No. We bill your insurance first and collect only your estimated portion, and we offer payment plans for larger treatment.

What if I’m not sure whether my plan has out-of-network benefits?
Call us with your insurance card in hand and we’ll look it up for you. It takes a few minutes.

Can I use my FSA or HSA?
Yes — dental treatment is an eligible expense under both.

Can I switch to you if I’m already established somewhere else?
Absolutely. You will have to request your records from your previous office and possibly sign a waiver.