Contact Us: ​(201) 854-1345
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      • Business Owners Package (BOP) Insurance
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      • Bundling Your Insurance Can Save You Big!
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      • Do You Have Enough Umbrella Insurance?
      • Flood Insurance Made Easy
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Market Value vs. Replacement Cost
      • Whats Not Included in a Standard Homeowner's Policy
      • How to Protect Your Most Treasured Possessions
      • The Importance of a Home Inventory Checklist
      • Protect Your Rental Property & Income with Landlord Insurance
      • Renters Insurance Made Easy
      • Condos Insurance Made Easy
      • How to Save Money On Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • Selecting the Appropriate Liability Coverage
      • What To Do In An Accident
      • Teen Driver FAQs
      • Protecting Yourself Against Identity Theft
      • Your Annual Insurance Review
      • The Value of Working with an Independent Insurance Agent
    • Commercial Lines >
      • Business Owner Policy
      • How Commercial Umbrella Insurance Can Protect Your Business
      • Employment Related Lawsuits are on the RISE ... Protect Your Business with EPLI
      • Cyber Attacks are Skyrocketing, Is Your Business Protected?
      • Protect Your Business Income with Business Interruption Insurance
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • Directors & Officers Insurance
      • How Commercial Flood Insurance Can Protect Your Business
      • Commercial Earthquake Insurance (PNW)
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      • Why LIFE: Short
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      • Why LIFE: Young Family
      • Why LIFE: Stay-At-Home Mom
      • Why LIFE: Working Father
      • How Much Life Insurance Do You Need?
      • Term vs Permanent Insurance
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      • La Selección De La Cobertura De Responsabilidad Adecuada
      • Información Genérica Para Autos
      • Preguntas Frecuentes De Seguros De Propiedad
      • Beneficios del Seguro Sombrilla
      • Lo Que No Está Incluido En La Póliza De Propietario De Vivienda
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Dental Insurance

Let us help you navigate your options for dental insurance and we'll make sure your family or group is appropriately covered at the most affordable rate.

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What is Dental Insurance?

Dental insurance is designed to pay a portion of the costs associated with dental care. Generally dental offices have a fee schedule, or a list of prices for the dental services or procedures they offer.

Typical Types of Dental Insurance

Indemnity Dental Insurance Plan: 
This plan may be helpful when you want to stay with your dentist and he/she does not participate in a dental network. By the very nature of this plan the insurance company generally pays the dentist a percentage of your services according to the policy you purchased. In addition you will want to review the co-payment requirements, waiting periods, stated deductible, annual limitations, graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work.

Dental Health Managed Organization (DHMO): 
When a dentist signs a contract with a dental insurance company that provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods, no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants and dentures may have various limitations.

Participating Provider Network (PPO): 
Depending on your specific plan, the PPO works similar to a DHMO while using an In-Network facility. However, it allows you to use an Out-of-Network or Non-Participating Provider. Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy. As noted, some dental insurance plans may have an annual maximum benefit limit. Thus, once the annual maximum benefit is exhausted any additional treatments may become the patient's responsibility. Each year that annual maximum is reissued. The reissued date may vary as a calendar year, company fiscal year, or date of enrollment based on your specific plan.

Contact us to learn more about the right dental insurance for you.
(201) 854-1345​
7117 Kennedy Boulevard
North Bergen, NJ 07047​
Click Here to Email Us
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Licensed in New Jersey, New York, and Pennsylvania
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Plaza Travel & Insurance Services Ltd.
7117 Kennedy Blvd.
North Bergen, NJ 07047
(201) 854-1345​
(201) 854-3656
Click Here to Email Us

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