Navigating dental insurance can feel overwhelming when you’re trying to provide the best care for your family’s smiles. For over 38 years, our father-daughter team of dentists at Roman Dental Arts has guided Bergen County families through the complexities of dental coverage, ensuring that financial concerns never stand between you and optimal oral health.
Our dentists in Hackensack, NJ, Dr. Donald J. Roman, DMD, MAGD, and Dr. Alissa Roman, understand that every family’s insurance situation is unique. We work closely with you to maximize your benefits and create payment solutions that fit your budget, because we believe everyone deserves access to exceptional dental care.
Most dental insurance plans operate on an annual maximum system, typically covering preventive care at 100%, basic procedures at 80%, and major treatments at 50%. Our experienced team reviews your specific plan details to help you understand exactly what’s covered before any treatment begins.
We accept dental insurance plans from most major carriers, including employers, retirement benefits, unions, and government programs. Our office can submit claims to most PPO insurance plans, even if we’re not listed as in-network providers. This flexibility means you can often still receive some coverage for your care.
We maintain preferred provider relationships with Delta Dental PPO/Premier and Cigna PPO plans, which means maximum savings and streamlined processing for our patients. When you’re in-network with us through these carriers, you’ll typically enjoy lower out-of-pocket costs and faster claim approvals.
When you’re in-network with us, you’ll typically enjoy lower out-of-pocket costs and streamlined claim processing. Dr. Roman’s decades of experience working with insurance companies mean we know how to present your treatment plans in ways that maximize approval rates.
We recognize that dental emergencies don’t wait for convenient timing, and comprehensive treatments like orthodontic care or smile makeovers represent significant investments. That’s why we offer multiple payment options to make your care accessible.
For services not covered by your insurance plan or for co-payments, we gladly accept:
CareCredit offers special financing options, including promotional periods with no interest when minimum payments are made on time. Many of our patients find this particularly helpful for larger treatments, allowing them to spread costs over 6, 12, or even 24 months, depending on the treatment total.
Dr. Donald Roman’s experience as the former Acting Director of Dentistry at Camden County Family Dental Center gives our practice unique insight into insurance processes. We’ve learned that timing and presentation of treatment plans can significantly impact your coverage.
Our team tracks your annual maximums and deductibles, often suggesting treatment timing that helps you make the most of your benefits. For instance, if you need multiple procedures, we might recommend starting some treatments in late fall and completing them after your benefits reset in January.
We also help families understand how preventive care saves money long-term. Regular cleanings and early intervention often prevent the need for more extensive treatments later.
Dr. Donald and Dr. Alissa Roman have built their practice on the foundation that every family deserves personalized, compassionate dental care. With more than 38 years of combined experience, we’ve helped thousands of families in Hackensack and throughout Bergen County achieve healthy, beautiful smiles while navigating insurance and financing options.
Our commitment goes beyond clinical excellence. We take time to explain your insurance benefits, explore financing options, and create treatment plans that align with your family’s budget and goals. From routine cleanings to complex restorative work, we ensure that financial considerations support rather than hinder your oral health journey. To schedule your consultation and discuss your insurance and payment options, call us at (201) 843-0440 or complete our contact form today.
Many of our patients receive excellent care without dental insurance. We offer flexible payment plans, Proceed Finance, and CareCredit financing to make treatments affordable. Drs. Donald and Alissa Roman believe that lack of insurance should never prevent you from receiving necessary dental care, so we work with every family to find solutions.
Our team contacts your insurance company directly to verify your benefits and obtain pre-authorizations when appropriate. We provide you with a detailed treatment estimate showing your expected out-of-pocket costs before you begin any procedure, so there are no surprises.
Absolutely. Even when we’re not in-network with your specific plan, we can still submit claims on your behalf. While your out-of-pocket costs may be slightly higher than with in-network providers, you often still receive substantial coverage for your care.
CareCredit is a healthcare financing that works like a credit card specifically for medical and dental expenses. You can apply online or in our office and often receive approval within minutes. Depending on your treatment total, you may qualify for promotional financing with no interest if minimum payments are made on time.
The timing depends on your specific insurance benefits and treatment needs. If you’re approaching your annual maximum, we might suggest scheduling across two benefit years. For urgent issues like receding gums or pain, we never recommend delaying necessary treatment for insurance reasons.
Yes, we work with patients to create payment arrangements for comprehensive treatments. Whether you need extensive restorative work or are considering cosmetic improvements, we can discuss payment options that fit your budget and timeline.
The information on this website is for educational purposes only and does not constitute medical advice. Treatment results may vary between patients. Always consult with Dr. Donald J. Roman, DMD, MAGD, or Dr. Alissa M. Roman, DDS, for personalized dental care recommendations. Call immediately for dental emergencies.
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