Office Policies

Insurance Policy

Dental insurance is different from medical insurance. Please review the insurance benefit booklet you received from your provider to better understand the benefits that are available as part of your insurance coverage. The patient payment portion covered for procedures varies depending on the coverage provided by your policy.

An estimate of the amount covered by your insurance company will be provided at the time of your treatment, based on the information they provide to us. The estimate is never a guarantee of benefits or the amount that will be paid. We will file all insurance claims as a courtesy to our patients. This does not however, transfer the responsibility of your financial obligation to the insurance company. If the amount paid by the insurance company is less than or greater than the estimate, then you will be billed the difference or issued a credit on the account in the event of an overpayment. Please let us know if you have questions about our financial policies or financing options prior to your treatment.

We are happy to work with all insurance companies! For instance, many of our patients carry the below plans.

Unfortunately, we do not accept Medicaid, Healthplex, or HMO plans.

Dr. Fine

  • Delta Dental premier
  • Horizon BCBSNJ – traditional fee schedule
  • Healthy Smiles Plus
  • Family Grins Plus
  • Grids Plus
  • Guardian Dental Guard – discounted 10%
  • Anthem BCBS PPO

Financial Policy

At Fine Dental Care, we’re pleased to offer the following:

  • 10% off as a pre-payment courtesy on comprehensive cases when treatments are paid in full with cash or check prior to your procedure being performed.
  • Financing available through LendingTree and CareCredit for a flexible payment plan that fits your budget needs.
  • Convenient pay-as-you-go care that allows you to pay for services as you need them.
  • Acceptance of cash, personal check, and most major credit cards.


Kindly provide at least 48 hours notice for any appointment that needs to be rescheduled. Appointments cancelled in less than 24 hours may be subject to a cancellation charge.

Looking for a practice in the Wayne, NJ area? Contact us at 973-633-5440 to schedule an appointment today!