Do you take my insurance?
We accept most major PPO plans including Aetna, Cigna, Delta Dental, DentaQuest, Guardian, MetLife, Principal, and UnitedHealthcare. Bring your card to your first visit and we'll verify your benefits before any treatment — you'll know exactly what's covered before we start. Don't see your plan? Call us — we may still be in-network.
Do you see emergency patients?
Yes. We hold same-day emergency slots every weekday for patients in pain — call (973) 482-3492 first thing in the morning and we'll fit you in. For after-hours emergencies, our voicemail is checked hourly.
Are you accepting new patients?
Always. About a third of our patients are new every year — friends, neighbors, and family of existing patients. New-patient visits include a full exam, x-rays as needed, and a personalized treatment plan. Most insurance plans cover the first visit at 100%.
What if I don't have insurance?
We offer transparent fee-for-service pricing and 0%-interest financing through CareCredit and Cherry. You'll receive a written estimate before any treatment — no surprise bills. We also offer a 10% courtesy discount for seniors paying out of pocket.
Do you speak Spanish or French?
Yes. Dr. Luba is fluent in English, Spanish, and French, and several team members speak Spanish as well. Just let us know when you book if you'd prefer a non-English visit.
How long has Dr. Luba been practicing?
Dr. Luba earned her DDS from the University of Medicine and Dentistry of New Jersey and has been in practice for 30+ years. She opened Allstate Dental on Bloomfield Avenue in 1994.
Do you offer payment plans?
Yes — we partner with CareCredit and Cherry for 0% interest financing on qualifying treatments. Most patients are approved in minutes, right in our office. For larger cases (implants, full-mouth restoration), we also offer in-house payment plans.
Where do I park?
We have a free private parking lot behind the building. Enter from N 6th St. Street parking is also available on Bloomfield Ave.
Will I see Dr. Luba at every visit?
Yes. Dr. Luba personally performs every exam and oversees every treatment plan. You'll never be handed off to a provider you've never met.
What's your cancellation policy?
We ask for at least 24 hours' notice for cancellations. We never charge a missed-appointment fee for first-time no-shows — life happens. Just let us know as soon as you can.
Still have questions?
We're happy to answer anything — no pressure, no obligation.
Call (973) 482-3492