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Payment Options

We participate with most dental insurance plans:

Aetna and Aetna Access

Altus Dental, Inc


Life and Health Insurance Co. 

Blue Cross Blue Shield

Benecare Local 825


Cigna Dental

Dental Network of America


Delta Dental: PPO, Premier, Advantage


First Dental Health




Humana Dental

Horizon Young Grins: patients 19 and under



Paramount Dental Health

Principal Financial Group

Renaissance Dental

Solstice Benefits

Sun Life Financial

UnitedHealth Care

United Concordia

UMR (United Medical Resources) 

Not sure if we take your plan? We are here to help you understand your dental insurance and how it works. Our team will do a complimentary benefit check and is trained to inquire about specific plan benefits to make sure you minimize your out-of-pocket expense and get the most out of it. Please call us to assist you, at  973-584-0008.

Ability to pay is of deep concern to many dental patients. We share your concern and are prepared to offer you a number of payment options. We are pleased to offer Care Credit to our patients. Care Credit offers convenient, no initial payment, low monthly payment plan for dental treatments of up to $25,000.  Special 12 month interest free 12 month special financing for qualified applicants 

For more information on Care Credit, please click HERE


Randolph Dentist Payment Options


Have you been living with a toothache, bleeding gums, or other dental problems for quite a while now, holding off on visiting a dentist because you’re currently uninsured? If so, you’re not alone. A large portion of the population doesn’t have dental insurance, and many of those individuals put off seeking necessary dental care in order to avoid the associated costs. Unfortunately, delaying necessary treatments can often cause conditions to progress, resulting in worsened symptoms, higher costs, and sometimes even irreversible damage down the road.

Luckily, if you’re in Randolph, New Jersey, or the surrounding area, you can receive affordable dental care even without insurance. That’s because Charmoy Dental Associates offers Care to Smile, an in-house dental savings plan for adult and pediatric self-pay patients. Care to Smile participants pay a low annual fee for preventive dental services. They also receive significant discounts on many specialty treatments, including crowns and fillings.

Find Out More

Have you been hesitating to see a dentist because you currently have no insurance? Don’t wait any longer! To learn more about our Care to Smile plan and the many benefits it provides, contact Charmoy Dental Associates today. Our knowledgeable team will be happy to tell you more about the plan’s annual fee, provide you with an estimate of what you can expect to pay for various dental services, and answer any other questions you might have. We can also schedule an appointment for you at our Randolph, NJ, office, which is located at 924 NJ-10 West.

Randolph Dentist Patient Tooth Toothbrush
Picture of a woman receiving a root canal at the dentist.
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