Insurance & Financing

Insurance & Financing

Affordable Dental Care in Danbury

The cost of having any type of dental work done has the potential to be financially stressful, especially if you do not have dental insurance. However, putting off having important restorative or preventative dental work can cost far more in the future if tooth decay sets in. We work with many insurance plans which allows you to choose your dental provider, with the goal of keeping your out-of-pocket dental expenses as affordable as possible.

If you have questions regarding your coverage, you may contact us at (203) 424-2100!

Payment Options

We offer a flexible payment plans, please call our office and ask to speak with our Financial Coordinator for details. Rather than postponing dental work, you may choose to consider other payment options beside the cash option. Dental insurance covers most general dentistry procedures, in part if not in whole, but it may not cover everything we offer.

We accept several payment options including:

  • Cash
  • Check
  • Credit
  • Discover Financing
  • CareCredit
  • Debit Cards

Insurance Options

We accept plans from many different insurance carriers and our staff is trained to help patients every step of the way. We’ll verify your benefits for you and make sure your benefits are used in the best way possible. For first time visits, remember to bring your insurance information so we can help you right away.

We will submit your insurance forms for you at no charge. If you don’t see your insurance carrier here, please call us to see if we accept your plan.

Insurance LogosWe can bill all traditional insurance plans and we are preferred providers for:

  • Aetna
  • Delta Dental
  • Blue Cross/Blue Shield
  • United Concordia
  • Ameritis
  • Anthem
  • Cigna
  • Guardian
  • Connection Dental
  • Metlife
  • Principal
  • GHI/Group Health Incorporated
  • UniCare
  • United Health Care
  • WellPoint
  • And Many More

Additional Insurance Information

The following is a brief overview of the different types of dental coverage or policies that the insurance companies offer.
  • Almost all insurance policies have both a deductible and an annual maximum associated with them.
  • The deductible is typically in the range of $25-100 and is not usually applied towards recall hygiene visits.
  • The annual maximum is typically between $1,000-$2,000 and does include recall hygiene visits. This total yearly maximum has changed very little over the last 40 years. This is both good news and bad news, since this has kept Dental Insurance affordable as compared with Medical Insurance-- but it also means that it does not cover as much today as it did year's ago.

1. DMO / HMO Coverage: This is a managed-care insurance plan that requires the patient to visit a dentist who has signed a contract with the carrier for this type of coverage. Although this coverage is often the most affordable for your employer to purchase, the patient must choose from a list of dentists. The list of dentists is short because the compensation for the dental office is limited and it may not cover expenses for optimal dental treatment.

2. PPO (Preferred Provider) Coverage: This is currently the most common of the insurance policies. It is important to note that there are two types of PPO’s. The first allows you to “go outside the network” and therefore see any dentist you wish; and the other does not allow you to go outside the network. However, much more commonly, PPO’s will allow their clients to see whomever they choose (go outside the network). 70% of our patients have chosen to go outside their network. Note that when you do go outside the network, the insurance company states that you will have to pay more than if you stay in the network. Our experience has shown that these patients often pay the same amount for recall hygiene visits, and just 5-10% more for restorative visits when compared to patients who stay within their network.

3. Fee for Service Coverage: This is the traditional type of insurance policy that allows their clients to see any dental office they wish and pays a specific percentage of dental work. Unfortunately, this type of insurance is not always offered to employees, or often is the most expensive of the employee’s choices.

If you have any questions about your specific insurance coverage, please contact your insurance company, or call us at (203) 424-2100 and we'll be happy to assist you.

Patient Reviews

Let Us Make You Smile
  • “Dr. Marks has done excellent work on my teeth and always makes me feel comfortable. Scheduling an appointment is always convenient and waiting room time is never excessive”

    - Ken M.
  • “I have Had nothing but the best experience with Dr. Jay. He's made a huge difference in my dental experience He's is very thorough and makes sure he takes care of all my dental needs. Will never go anywhere else.”

    - Rebecca A.
  • “Dr. Marks took control of my care, always gave me good advice, and created a plan to fix everything that was wrong. Dr. Marks is a terrific guy and has gone the extra mile many times on my behalf using his skill and experience to achieve the best results.”

    - John R.

Dr. Jay M. Marks

Why Are We the Right Choice for You?
  • Serving Children, Teens, Adults & Seniors
  • Extensive Experience & Community Envolvement
  • After-Hour Services Available for Emergencies
  • Free Constltations for New Patients
  • Best Dentistry Award 2020
    Best Dentistry Award 2020
  • AGD Primary Fellow
    AGD Primary Fellow
  • AWARD - American Dental Association
    AWARD - American Dental Association
  • AWARD - Connecticut State Dental Association
    AWARD - Connecticut State Dental Association
  • Dental Insider 2018
    Dental Insider 2018
  • Dental Insider 2020
    Dental Insider 2020
  • AWARD - National Consumer Advisory Board - 2019
    AWARD - National Consumer Advisory Board - 2019
  • AWARD - OpenCare Patient's Choke Winner
    AWARD - OpenCare Patient's Choke Winner
  • RECOGNITION - American Dental Association
    RECOGNITION - American Dental Association
  • RECOGNITION - CRA 20th Year
    RECOGNITION - CRA 20th Year
  • Connecticut State Dental Association
    Connecticut State Dental Association