Call Us For Consultation: (973) 887 3000

Financing

Easy Financing and Insurance Options

For Dr. Dr. Usha Desai, New Jersey Cosmetic Dentistry

As a client of Polite Dental Care, you are eligible for our easy financial and insurance arrangements Polite Dental Care offers you a variety of financial options available to help make it easy to afford your dental needs.

Financial Policies and Information

We offer the following options for the payment of your dental treatment:

  1. For your convenience we accept cash, check, Care Credit, MasterCard, Visa, Discover, and American Express.
  2. If your treatment totals over $1000.00 and you pay for your treatment before your appointment, you will receive a 5% discount.
  3. We have affordable financing through Care Credit with a fixed interest rate as low as 5.9% APR. Payments are as low as $125 per month for a $5000 treatment fee. Financing plans are available for people with a wide range of credit history. There are no fees to apply. There are no prepayment penalties. Click here to apply online (page will open in a new window) or we can help you to complete the necessary application.

No Interest and Extended Payment Plans: CareCredit
Click the button for pre-approval

A Reminder about Dental Insurance

We participate in most insurance companies. If we are not participating providers, you and your insurance company have an agreement that does not involve our office. We will provide you with the best-advised procedure to care for you, not based on your insurance coverage, but based on your own personal dental needs. Insurance companies don’t base your benefits on what you need; they base it on what payout they can profitably provide based on how much your employer has paid them.

If your insurance company rejects a claim and refuses to pay for a service, it is not a reflection of how important the service is. It is based on a master contract drawn up between your employer and the insurance company.

If your employer is putting very little money into the dental insurance “piggy-bank,” you will have poor coverage. In this scenario, few procedures are covered — for example, just cleanings, examinations and x-rays. Usually the payment is much less than the average dentist charges for the service. Most benefits are based on a fee scale rather than a percentage of the dentist’s charge (kind of like saying that they will cover your purchase of a car. You can buy any car you want, and they will give you $250 toward the purchase price.)

More expensive dental insurance policies cover a wider range of services (crowns and fillings for example) at a higher reimbursement rate.

If your insurance company refuses to pay or pays less than you think it should, you must remember that dental insurance is designed to offset the cost of your dental treatment. It is unusual for all of the charges to be paid by insurance.

Our business office staff at Polite Dental Care will strive to help you obtain your maximum benefits by prompt and efficient processing of your claims. At our office we have the capability to submit electronic claims for your treatment the same day of your appointment. This greatly increases the speed that the claim is processed and your reception of the reimbursement from your insurance company.

We want you to know that a core belief of our practice is to provide you with the best possible value in dental treatment. This means we avoid patchwork treatment that would soon need to be redone. We used the finest possible materials and techniques to provide you with the greatest possible longevity. We want you to have the peace of mind that your treatment has been well done.

All of our payment options make it easy for you to get quality dental care at Polite Dental Care.

We Accept:

Insurance:

  • Cash
  • Visa
  • MasterCard
  • American Express
  • Discover
  • Care Credit
  • Aetna
  • Blue Cross Blue Shield
  • Guardian
  • Delta
  • Cigna
  • MetLife
  • United Healthcare
  • Principal Mutual
  • United Concordia
  • All PPO Plans

Schedule a complimentary consultation today.

Dr. Usha Desai
Polite Dental Care
23 Reynolds Ave, Parsippany,NJ 07054
973 887 3000
973 599 0068



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