Insurance, Financing & Our Savings Plan

Great dentistry should not depend on what your insurance company is willing to approve. At Limitless Dental® in Jersey City, we built our payment options around one idea: the plan should fit your life, not the other way around.

We are an out-of-network practice. That is a deliberate choice, and it works in your favor. It means Dr. Nick answers to you and your treatment, not to an insurance network’s fee schedule or its list of what it will and will not cover. Below is every way patients pay here, whether you have insurance, whether you don’t, and whether you want to spread a larger treatment over time.

The Limitless Dental Savings Plan

If you do not have dental insurance, this is usually the smartest way to get care here. It is our own in-house membership plan, not insurance, and it is only honored at Limitless Dental. You pay once a year and your covered visits and discounts are built in from day one.

Individual

$549 / year

Full preventive care plus member discounts on everything else, for one person.

• Two cleanings a year, absent active infection
• Two exams a year, plus one emergency exam
• Two oral cancer screenings and two fluoride treatments
• Bitewing X-rays, individual X-rays as needed, and a panoramic X-ray every two years
• 50% off any additional cleanings
• 15% off fillings, crowns, bridges, root canals, implants, oral surgery, partials and dentures
• 10% off veneers
• $500 off Invisalign

Periodontal

$749 / year

For patients who need more frequent gum maintenance visits through the year.

• Everything in the Individual plan
• Three periodontal maintenance cleanings a year
• 20% off scaling and root planing
• 50% off Arestin placement, unlimited

Add a Family Member

+$449 / year each

Bring a partner or family member onto your plan at a reduced rate.

• Same coverage and same member discounts
• Added to your existing plan, no separate signup
• Your portion of any bill is due the day of service

• No yearly maximums
• No deductibles
• No claim forms
• No waiting periods
• Nobody is denied
• 5% discount when you auto-renew

No approvals, no fighting with a company over what you are owed. You are a member the day you sign up.

The fine print, in plain language

This is a discount plan, not dental insurance. It is honored only at Limitless Dental® and cannot be used at another office. A few things it does not apply to:

• It cannot be combined with dental insurance, another discount plan, or a financing program unless you clear it with Dr. Nick first
• Referrals to specialists, and treatment Dr. Nick judges to be outside his scope
• Hospitalization or any hospital charges
• Care already covered by automobile or medical insurance, or by workers compensation
• Your portion of the bill is due the day of service, and a lapsed plan carries a $50 reinstatement fee

Using Your Insurance With an Out-of-Network Office

Having insurance and being in network are two different things. We accept most major PPO plans, and because we are out of network, many patients still have out-of-network benefits they can use here. Our team will look at your specific plan, tell you honestly what it is likely to cover, and file the paperwork so you get every dollar of the benefit you have already paid for.

What we will never do is let an insurance company decide the quality of your dentistry. If a plan covers a cheaper option that is not right for your mouth, we will tell you, and we will show you the options and the numbers so you can decide.

Financing: Spread Treatment Over Time

For larger cosmetic or implant cases, most patients prefer a monthly payment to paying all at once. We work with trusted outside lenders so there is an option for almost every situation. As one example, a set of ten 3D-printed veneers can start from about $251 a month. See what changes the price on our veneers cost page.

Limitless Dental® does not submit or approve financing applications ourselves. You apply directly with the lender, and our team is happy to walk you through which option fits your treatment.

Cash, Check & Cards

We accept cash, personal checks, and all major credit cards, including Visa, Mastercard, and American Express. Cash-pay patients are welcome here and always have been, and you never need insurance to be seen.