We’ll give you something to smile about!
Proudly providing the Bergen County Community with most professional and personal dental care since 1993.
A passion for creating beautiful smiles
Our comprehensive suite of professional services caters to a diverse clientele, offering services as simple as a routine check-up and cleaning, to full smile makeovers.
Renovation and restoration
Experience some of the latest dental technology available to you!
Continuous Support
Our team offers 24/7 support for all of our clients, including a 24-hour emergency line that connects directly to Dr. Adams, for all of your immediate questions and concerns.
App Access
Easily request an appointment or update your patient information online. Simply click on the here or on the Patient Registration tab.
Consulting
Experience a personalized and one-on-one with Dr. Adams and our treatment planning team to ensure all of your questions are answered and you are 100% confident in your smile.
Family Practice
Once you become a patient at Adams Dental Studio, you are officially a part of the family. We pride ourselves on creating a comfortable and personal experience for our patients of all ages, so that you look forward to coming to see us as much as we look forward to seeing you!
Fixed Solutions
Experience the fusion of imagination and expertise with our smile design technology, which offers an array of non-removable options for missing teeth replacement. These are not your grandma’s dentures!
Commercial PPO vs.
In-Office Membership Plan
A transparent, side-by-side breakdown of what you’re really paying — and what you’re really getting.
| Category | Commercial PPO | Adams Dental In-Office Plan |
|---|---|---|
| Annual Cost to Patient | ~$502/yr in premiums ($42/mo avg). Plus $50–$100 deductible per year. Plus copays and coinsurance on every service. |
✓ Fixed $599/year, flat. No additional fees layered on top of your membership for covered services. |
| Annual Maximum (What Insurance Will Pay) |
⚠ Capped Typically $1,000–$2,000/year. Once you hit that ceiling, every dollar beyond it is 100% yours — insurance pays nothing more for the rest of the year. |
✓ No Cap No annual maximum. The 10% discount on all services applies no matter how much care you need. If you need a crown, a root canal, and multiple fillings in the same year — the discount doesn’t disappear. |
| Deductible |
✗ Yes $50–$100/individual per year (some plans waive for preventive only). You pay this out-of-pocket before insurance kicks in on basic and major services. |
✓ None Zero deductible. Benefits apply from day one, dollar one. |
| Waiting Periods |
✗ Common Preventive: usually immediate. Basic services (fillings, extractions): often 6-month wait. Major services (crowns, root canals, dentures, oral surgery): commonly 6–12 months. Some plans have escalating coverage that increases year over year. |
✓ None No waiting periods for any category of service. Coverage and discounts are active immediately upon enrollment. |
| Missing Tooth Clause |
✗ Frequent Over 50% of PPO plans include this clause. If a tooth was missing before your coverage start date, replacement (implant, bridge, denture) is permanently excluded — not just delayed. This is a lifetime exclusion, not a waiting period. |
✓ No Clause No missing tooth exclusion. The 10% discount applies to implants, bridges, and all restorative work regardless of when tooth loss occurred. |
| Claim Denials & Limitations |
✗ Real Risk Insurance can deny claims based on “frequency limitations” (e.g., only 1 set of X-rays per year), “not medically necessary” determinations, missing pre-authorization, or treatment-in-progress exclusions. Posterior composite (tooth-colored) fillings may be reimbursed only at the silver amalgam rate. |
✓ No Denials No insurance company involved. No claim submissions. No coding disputes. Your doctor recommends what you need; your discount applies. Period. |
| Covered Preventive Services | 2 cleanings + 2 exams typically covered at 100% in-network (after deductible on some plans). X-rays covered subject to frequency limits (e.g., bitewings only every 12–24 months; full-mouth X-ray every 3–5 years). |
✓ Included 2 cleanings · 2 exams · 1 full-mouth X-ray · 2 individual X-rays — all included in the $599. No frequency-limit disputes. No coding issues. |
| Network Restrictions |
⚠ Yes Must use in-network providers to receive contracted rates. Out-of-network visits trigger higher cost-sharing and balance billing. Your plan’s fee schedule — not the dentist’s actual fee — sets the reimbursement ceiling. |
✓ None No network. This is your practice, your doctor, your relationship. The plan only works at Adams Dental Studio — but there are no surprise out-of-network penalties. |
| Coverage for Basic Services (fillings, extractions) |
Typically 70–80% after deductible and after any applicable waiting period. Some plans pay at a lower “table of allowances” that may not reflect actual fees, leaving patients with larger out-of-pocket gaps than expected. | 10% off all services, applied immediately, no waiting, no prior authorization needed. |
| Coverage for Major Services (crowns, root canals, implants) |
Typically 50% after deductible + waiting period (if applicable). Subject to annual maximum. Implants are excluded by many plans entirely or have a separate lifetime cap. Replacement of a crown/bridge often not covered within 5–7 years of prior placement. | 10% off, full stop. No category tiers. No exclusion window on replacements. Implant discounts included. |
| “Use It or Lose It” Benefits |
✗ Yes Unused annual maximum does NOT roll over. If you paid premiums all year but only used preventive care, the remaining benefit disappears at year-end. Statistically, only 2.8% of PPO members reach their annual max. |
✓ No Waste Your $599 covers defined services that have real dollar value. Every included service represents tangible savings — and your 10% discount is yours all year long. |
| Pre-Authorization / Paperwork | Major procedures often require pre-authorization submission and waiting for approval before treatment begins. Disputes may require appeals. |
✓ None No pre-authorization. No EOBs. No appeals. Treatment decisions stay between you and your provider. |
| Cosmetic Services |
✗ Excluded Cosmetic procedures (whitening, veneers, etc.) are never covered under PPO plans. |
10% discount applies across all services, including elective and cosmetic treatments at the practice’s discretion. |
This is the most common patient profile — someone who mostly comes in for cleanings and exams. Here’s what each option actually costs them.
Adams In-Office Plan: $599 flat covers 2 cleanings, 2 exams, 1 FMX, 2 individual X-rays — services with a retail value of approximately $500–$650+. Plus 10% off anything else you need, that same day. No additional fees. No math required.
Assume crown fee of $1,400. Patient has had PPO coverage less than 12 months. Adams plan member on same day.
Commercial PPO Patient
Adams In-Office Plan Member
After 12 months, the PPO patient’s crown coverage kicks in at ~50% — but they’ve already paid $502+ in premiums, met their deductible, and are subject to their remaining annual max ($1,000–$2,000 range). The math often remains close — with zero peace of mind.
The Max Trap
Only 2.8% of PPO members ever hit their annual maximum. That means 97%+ of policyholders never unlock their full benefit — but pay premiums as though they will. The maximum is a marketing ceiling, not a realistic floor.
Frequency Limits
Insurance may only pay for X-rays once every 12–24 months, or bitewings once a year. If your dentist clinically needs to take additional X-rays to diagnose a problem, that cost may fall entirely to you.
Missing Tooth = Permanent Exclusion
A missing tooth clause is not a waiting period. Once triggered, coverage for replacement is denied permanently under that plan — not just deferred. Over 50% of plans include this clause.
Downgrades on Fillings
Many PPO plans only pay for silver amalgam fillings — even on front teeth. If your dentist places a tooth-colored composite, you may be billed the difference. Your plan may not tell you this upfront.
Treatment-in-Progress Denial
If your dentist recommends a crown before your plan starts and you enroll shortly after, the insurance company may deny the claim as a “pre-existing condition” — even if the procedure is completed under your new plan.
In-Office Plan Advantage
No claim means no denial. No coding means no disputes. No network means no surprise balance billing. The relationship is between you and your dental team — and the 10% applies to every service, every time.
An array of resources
Our office is proud to accept several forms of payment for services, as well as flexible payment options, making sure that you can self-care without breaking the bank! Call our office for more details!
Have you asked us about CareCredit?
- Pay for your treatment upfront. We’ll eat the interest!
- Easy pre-qualification. No damage to your credit report.
- Accepted at most doctor’s offices and pharmacies.
No Insurance? No Problem!
- Have you heard of our In-Office Dental Plan? It offers all of your annual dental care needs and more!
- Enjoy 10% off all services for a year!
- Enroll for as low as $50 a month!
“Excellent dentist. Dr. Adams explains what he will be doing every step of the procedure. I hate needles but Dr. Adam’s has a way to make sure you feel very little to no pain. ”
Verified Patient
via GoogleReviews
Join Adams Dental Studio today!
Dental care is self-care.