Financing & Insurance

The Brighter Smiles Plan

For more information about the Brighter Smiles Plan, please contact your local office.

Don't worry if you don't have insurance! You don't have to work for a big company to get great, quality and affordable dental care for you and your entire family. We have created a discount dental program, Brighter Smiles Plan, geared towards quality and affordable dentistry.

The Brighter Smiles Plan is a discount dental plan that was originally created for small and mid-sized businesses and their employees but it is now available for direct purchase by individuals and families. The plan is special because it was designed to provide quality dental care that also happens to be affordable. Members of the plan are able to receive the highest quality dental care in the Brighter Dental Care state-of-the-art dental offices at reduced professional fees. This is not an insurance plan! There are no claims to file, no deductibles to worry about, no explanations of benefits, no waiting periods or replacement exclusions. Other than the initial application, there is no paperwork.

Exceptional dental facilities:

There are various options for discount dental plans available to patients, however our plan was designed to offer affordable and quality dental care. Most plans get lost in the "quality" component and the plan administrators never visit the offices they participate with. This is not the case with the Brighter Smiles Plan.

Dental services included in the plan:

There are no exclusions. All exams, x-rays, preventive services, major dental work, cosmetic dental procedures, orthodontics, periodontal services, endodontic services and all other types of dental surgery are included in the Brighter Smiles Plan. Yes, this does include dental implant procedures, veneers and various teeth whitening procedures. Please note, general anesthesia is not provided at Brighter Dental Care locations. Should the need for such arise, the member shall be referred to a local dental office where such service is available and the member will be responsible for the fee charged by such dental office.

Types of doctors available for Brighter Smiles Plan members:

Plan members are covered with a complete team of general dentists and specialists who are all located in the same office. Areas of practice include: general and family dentistry, cosmetic dentistry, endodontics, periodontics, implant surgery, oral surgery and orthodontics. All specialty services are considered part of the program. Plan members do not have to travel to different offices or request referrals, all they have to do is visit one of the many Brighter Dental Care locations.


There are no restrictions on pre-existing conditions, no waiting periods, no frequency limitations, and no exclusions whatsoever. Children are treated as dependents until reaching the age of 23. Once you have joined, you will not need a membership card. Simply visit a Brighter Dental Care location and you will receive your membership benefits.


We accept most insurance plans

Brighter Dental Care has arranged to accept most major dental insurances offered in our area.  As a courtesy to our patients, we will gladly file all insurance forms for you. Payment of deductibles and co-payments are expected when services are rendered. Understanding dental insurance can be a full time job and is often very tricky. You pay a lot of money for your insurance so you should know how to best use it. Our insurance specialists are trained to help ensure that you and your family maximize your benefits.

If you are between plans or in the process of obtaining insurance, please call one of our insurance specialists so that they may assist you with any questions that arise. Please note that if you do not see your insurance or benefit provider listed below, we ask that you call the office of your choice to ask whether we accept as we are always upgrading our lists.


Payment options

We understand that dental treatment can be expensive at times and that everyone's financial situation is different. In order to better help, we have arranged for a variety of payment options to enable you to receive the dental care needed.

Dental treatment payment options we accept:

  • All major credit cards
  • All traditional insurances
  • PPO Insurances
  • A wide variety of other insurance plans (we ask that you contact us to determine if we do contract with each)
  • Many local union programs to support our local friends

Third Party Dental Financing

In order to help insurance benefits keep pace with inflation over the years, we've partnered with the below third party financing program to make dental care more affordable for our patients. Care Credit has enabled many patients to achieve their health goals by spreading out the costs over a series of manageable minimum payments. The third party dental financing option listed below is from a well known and reputable company. Care Credit has a variety of options ranging from no interest financing to longer term plans that can go up to 60 months.

Our third party financing partners include:

  1. Care Credit
  2. Dental Fee Plan Care 

With a variety of dental financing options available, we want to ensure you receive quality dental care that you can afford. Schedule an appointment at any of our conveniently located New Jersey dental offices today – we even offer FREE specialty consultations and second opinions.

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