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Orthodontics & Pediatric Dentistry
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Coverage for both specialties

Insurance and payment options

Insurance for braces and children’s dental care, plus CareCredit and in-house financing.

Book an Orthodontic ConsultationWith Dr. Kate Lew or Dr. Scott NohBook a Pediatric AppointmentWith Dr. Neha Saggar
973-706-8339Get Directions
5.0from 300+ Google reviews
5.0300+ Google reviews
Insurance Aetna, Cigna and 9 More
Claims Filed for You
Payments In-House or CareCredit
Consult Free for Orthodontics

Participating plans

The insurance plans we participate with

A wide range of plans for families, from children’s dental insurance to coverage for braces.

Orthodontics

Orthodontic plans

Insurance coverage for braces, Invisalign and early treatment

Orthodontic treatment benefits children, teens and adults alike. We accept many types of insurance coverage for braces, Invisalign® and other modern treatment, so patients can start without financial stress.

  • Aetna DMO & PPO
  • Cigna DHMO & PPO
  • Delta Dental Flagship, Delta Care USA, PPO & Premier Guardian
  • Guardian Including Managed Dental Care
  • Horizon Dental Choice & PPO
  • Horizon NJ Medicaid Family Care (Medicaid) & Total Care
  • Liberty Dental plans Medicaid Aetna Better Health, Amerigroup, Fideliscare, Wellcare Medicaid
  • MetLife PDP
  • Principal
  • United Concordia Tricare PPO & Advantage, including Tricare DOD Program
  • United Health Care

We also offer CareCredit®, in-house financing and complimentary consultations. See financing

Book an Orthodontic ConsultationWith Dr. Kate Lew or Dr. Scott Noh
Pediatric dentistry

Pediatric dental plans

Children’s dental insurance for checkups, cleanings and care

Preventive care is critical in childhood. We welcome children’s dental insurance from leading providers, so essentials such as cleanings, exams, sealants and fluoride are covered.

  • Aetna PPO & DMO (under the age of 7)
  • Cigna PPO
  • Delta Dental PPO and Flagship
  • Guardian PPO
  • Horizon PPO
  • MetLife PPO

We accept multiple carriers, including those offering managed dental care. For braces or Invisalign, see the orthodontic list.

Book a Pediatric AppointmentWith Dr. Neha Saggar

Plan lists last updated: September 2026

Participation differs by plan type and specialty, and your insurer decides your benefits. Call with the exact plan name on your card and we will confirm them.

Printable list of plans (PDF) Call 973-706-8339

Your benefits

How orthodontic and dental benefits differ

They work differently, and we check both before treatment starts.

Orthodontic benefits

Many plans pay a percentage of treatment, up to a lifetime orthodontic maximum. Some pay up to 50 percent; full coverage is uncommon.

Children’s dental benefits

Children’s dental plans cover the essential treatments of a child’s visits: cleanings, exams, sealants and fluoride.

Invisalign and adults

Invisalign is often partly covered when a plan includes orthodontic benefits, and some plans offer partial coverage for adults.

Medicaid and Tricare

For orthodontics: Horizon NJ Family Care (Medicaid) & Total Care, Liberty Dental Medicaid plans, and United Concordia’s Tricare DOD Program.

Insurance handling

How we handle your insurance

Our administrative team makes the insurance side as simple as possible.

  1. Share your plan details

    Your member card and the exact plan name. Call 973-706-8339 or fax 973-706-8340.

  2. We check your benefits

    Your orthodontic and dental benefits, before treatment starts.

  3. You get a clear estimate

    Your out-of-pocket share, set out in a detailed quote at your consultation.

  4. We file the claims

    We file insurance claims for you and help you make the most of your benefits.

Financing

Financing and ways to pay

Competitive prices, special in-house financing and CareCredit®.

Ways to pay

Spread the cost

  • In-house payment plans

    Interest-free in-house plans divide the total cost into manageable monthly payments, tailored to your budget, for all orthodontic and Invisalign packages.

  • HSA and FSA

    Use pre-tax health savings or flexible spending funds for many dental and orthodontic services, from checkups to braces and Invisalign.

  • CareCredit financing

    CareCredit® for extended payment terms. Based on credit approval, you may qualify for low or no-interest monthly plans.

Every financial detail is discussed with you before treatment begins.

Before you commit

Clear costs before you start

  • Complimentary consultations

    Orthodontic consultations are complimentary: the recommended treatment, its cost, your benefits and your options, explained.

  • A detailed quote

    At your consultation: the total cost, including fees for appointments, adjustments and appliances, so there are no surprises later.

  • Family pricing

    Special pricing when more than one family member is in orthodontic treatment, and bundled packages, such as Invisalign with retainers.

Book an Orthodontic ConsultationWith Dr. Kate Lew or Dr. Scott Noh

HSA and FSA

Paying with HSA or FSA funds

We accept HSA and FSA funds for many of our dental and orthodontic services.

Eligible dental and orthodontic services

With an HSA or FSA through your employer or individual healthcare plan, you can use pre-tax funds for eligible expenses such as:

  • Routine dental exams and cleanings
  • X-rays and diagnostic services
  • Dental sealants and fluoride treatments
  • Orthodontic consultations
  • Braces (traditional, ceramic, or clear aligners like Invisalign®)
  • Retainers and follow-up visits
  • Emergency dental treatments

HSA or FSA funds can significantly reduce your out-of-pocket costs for treatment insurance may not fully cover, such as braces or certain advanced orthodontic services.

Important tip

FSA funds usually expire; HSA funds roll over

Most FSA funds expire at the end of your plan year, so use your balance before the deadline. HSA funds roll over year to year, which makes them a flexible long-term option.

We apply it with you

Not sure a procedure qualifies, or how to use your benefits? We make sure your HSA or FSA is applied correctly and transparently.

Keep your receipts

Orthodontic payments may count toward medical deductions if you itemize. Keep every receipt and ask a tax professional.

Read more on cost, payment and tax

Questions

Insurance and payment questions

Contact us to schedule a consultation, and our team will guide you through your benefits and treatment options.

Book a Consultation
Which insurance plans do you participate with?

For orthodontics: Aetna, Cigna, Delta Dental, Guardian, Horizon, MetLife, Principal, United Concordia and United Health Care, plus Medicaid plans through Horizon NJ Family Care and Liberty Dental, and the Tricare DOD Program. For pediatric dentistry: Aetna, Cigna, Delta Dental, Guardian, Horizon and MetLife PPO plans, Delta Dental Flagship, and Aetna DMO under the age of 7. Call with the exact plan name on your card and we will confirm your benefits.

Do orthodontic and dental benefits work differently?

Usually, yes. Many plans pay a percentage of orthodontic treatment, up to a lifetime orthodontic maximum, while children’s dental plans cover essential treatments such as cleanings, exams, sealants and fluoride. We check your benefits before treatment starts.

Does insurance cover Invisalign?

Often in part. Invisalign is sometimes partially covered by dental insurance, especially if your plan includes orthodontic benefits: some plans cover up to 50 percent of the treatment cost, with a maximum lifetime benefit. We check yours before treatment starts.

Do you accept Medicaid, NJ Family Care or Tricare?

For orthodontics, yes: Horizon NJ Family Care (Medicaid) & Total Care, Liberty Dental plans (Aetna Better Health, Amerigroup, Fideliscare, Wellcare Medicaid) and United Concordia, including the Tricare DOD Program. Call with your member card and we will check your benefits.

Do you submit the claim, or do I?

We do. We check your benefits before starting treatment, file insurance claims for you and give you a clear estimate of your out-of-pocket responsibility.

Do you offer monthly payment plans?

Yes. Our interest-free in-house payment plans divide the total cost into manageable monthly payments, for all orthodontic and Invisalign packages. We also offer CareCredit® for extended terms: based on credit approval, you may qualify for low or no-interest monthly plans.

Can I use an HSA or FSA?

Yes. We accept HSA and FSA funds for many dental and orthodontic services, including exams and cleanings, X-rays, sealants and fluoride, orthodontic consultations, braces, Invisalign, retainers and emergency treatment. Most FSA funds expire at the end of your plan year, while HSA funds roll over year to year.

Is the consultation free?

Yes. We offer complimentary orthodontic consultations, where we explain your treatment options, the cost and your benefits before you commit.