Financial Policies


At Costello Oral Surgery Associates we make every effort to provide you with the finest care and the most convenient financial options. To accomplish this we work hand-in-hand with you to maximize your insurance reimbursement for covered procedures. If you have any questions, please ask our billing representatives. They are well-informed and will gladly assist you.

Tel: 201-712-5556 ext. 505


Please provide your insurance information before your first office visit.

If you do not see your insurance carrier listed below, simply call us. We will verify your benefits.

  • Aetna Dental
  • Access Dental
  • Amacore
  • Ameritas
  • Assurant
  • Benecare
  • Careington
  • Cigna Dental PPO
  • Connection Dental
  • DDS
  • Delta Dental

  • Dental Direct
  • Dental Save
  • Dentemax
  • Dental Wellness
  • Empire BCBS Dental
  • Fortis
  • GE Dental Wellness
  • Guardian Dental PPO
  • Horizon DOP/traditional
  • Healthplex
  • Lincoln Financial

  • MetLife
  • New Millennium
  • NE/SE Dental Save
  • PHCS
  • Principal Life
  • QualCare
  • Unicare
  • United Concordia
  • United H.C. Dental

COSA representatives are not responsible for your carrier’s determinations. In-network insurance carriers will finalize your balance according to your policy with them. You can expect an estimated patient responsibility to be collected at the time of your visit. You may receive a final request for additional payment many weeks after surgery IF your insurance carrier determines you have underpaid at the time of your appointment. Your final balance will be provided by your carrier on the explanation of benefit (“eob”). Please note, if coordination of benefits takes place because more than one insurance plan must process your claim for actual services, more time will be needed to process your claim and derive your final balance. Your final responsibility will be determined when the last carrier coordinates their payment with those that have processed before them.

NJCOSA Billing personnel have no part in your insurance carrier’s determination other than to relay information between all parties.

We are here to assist you.

Financial Policy

Payment Options

For your convenience, we accept Visa, MasterCard, AMEX, and Discover. We also offer payment arrangements through CareCredit®.

Monthly payment plans are available through Care Credit and must be implemented prior to the date of your procedure.

Fees and Co-Payments

When applicable, your contracted insurance rates govern your fees, therefore co-payments and estimated responsibilities are due at the time each service is rendered unless other arrangements have been made in advance with our Billing Department (ext. 505).

Statements, Insurance, and Forms

Your paperless claim will be processed efficiently via our e-claim system. Your insurance carriers will coordinate benefits between medical and dental carriers when appropriate. Most insurance companies will respond within three to six weeks. Please call our office if your statement does not reflect your insurance payment within that time frame. Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated.