Affordable Dentistry in Englewood, NJ

Financing and payment Options

At the practice of Dr. Neil S. Stearns, we believe that every patient should have access to the treatments they need to bring about a happier, healthier smile. We also understand that sometimes there are financial hurdles to overcome before committing to a treatment. Here in Englewood, NJ we accept dental insurance providers (listed below) and have used patient financing services to help our patients find the most affordable options for them.

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Payment Options

For those who prefer to pay for their treatments using conventional forms of payment, we accept:



Patient Financing

Dental Insurance

Credit Cards

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mastercard - Stearns Implants
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Patient Financing Services

For those without dental insurance, we also offer private financing through CareCredit and Citibank patient financing services. Both financial services are easy to apply for and offer payment arrangements that are affordable for those on a budget. They also have plans that are little to no-interest, and can split payments into plans that are 24, 36, 48 months or more if needed.

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Dental Insurance

Our practice also accepts most dental insurance providers. If this is your first visit with us, please bring your most up-to-date insurance information with you. If you are unsure about your coverage plan, you can ask us or contact your insurance provider.

We are included in the networks for the following insurance providers:

  • Aetna PPO
  • Delta Dental PPO
  • Delta Dental Direct
  • Delta  AARP
  • Delta Dental Premier, Preferred Plus Premier, Advantage Plus Premier
  • Dental Health Alliance/DHA
  • United Concordia
  • United Health Care/Dental Benefit Provider
  • Dental Benefit Providers
  • Cigna PPO Radius/Core Network
  • Empire BCBS
  • UMR
  • Lincoln Financial
  • MetLife Dental
  • Sun Life
  • Assurant
  • Nippon

If your insurance is not listed above, please call the office.

If you have dental insurance we will help you to determine the coverage you have available. We will take care of sending in the insurance forms for you and will help in any way we can in handling insurance questions. We do not accept any insurance as payment in full.?

The Cost of No Treatment?

Some patients may feel daunted by the sticker price of their treatment, whether it’s a cosmetic or restorative dentistry treatment. But if your oral health ailment – whether it’s tooth loss, gum disease, damaged teeth, or more – is threatening your overall health, it’s highly recommended that you seek treatment options.

Take tooth loss for example: if you ignore the gap in your smile, it could lead to jawbone depletion, an open wound, or even more tooth loss. One of the top reasons that patients lose teeth is due to tooth decay (cavities) because they didn’t seek treatment such as fillings or a root canal to stop the decay.

Overall, we want to ensure our patients are happy with their smiles, from the first consultation to the final billing. Our goal is to streamline the process, clarifying each step, and allowing our patients to ask questions.

Find Out More About Our Financing Options

At our practice in Englewood, NJ, we believe that our patients should have access to some of the best dental treatments available, and that financial matters shouldn’t hinder them from healthy options. If one of the above options sounds appealing for you and your dental treatment, then contact us to discuss your treatment and payment options. We’ll be happy to take your questions, break down the cost of your unique treatment, and let you know about all our options.