Less Than A Month Away!
We are now less than a month away from the start of our two-day convention in Bridgewater… now is the time to pick your CE courses and make your plans to be part of this exciting gathering of the NJ dental community!
RSVP By May 1st
The NDJA Celebration on May 16 is going to be huge! We are taking over the entire 7th floor of the AC Hotel including three bars, outside patio, pool table, DJ and dance floor!
New Jersey Dental Foundation
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Helping Members Succeed
The New Jersey Dental Association is the voice of the dental profession and a strong proponent of oral health in the state. Members are part of a vibrant community of dentists encompassing 12 local dental societies as well as the American Dental Association. Members engage in educational programs, have access to dentist-centric relationships and tools to navigate the business of dentistry and their careers, as well as benefit from dedicated advocacy that protects the interests of the profession. The organization is run by member-dentists with the support of a team of professionals at NJDA Headquarters. NJDA members never practice alone!
UPCOMING EVENTS
DENTAL NEWS AND NOTES

Member Advisory: Your Payment Rights & New Insurance Practices
As a reminder, thanks to NJDA’s advocacy, S.3133/A.4913, was signed into law on January 8, 2024. This law requires health insurance carriers to reimburse health care providers using checks or electronic funds transfer (EFT), ensuring that dental practices are protected from being forced into costly virtual credit card (VCC) payments.
Quick Recap:
- Bill Passed Assembly: 6/30/23
- Bill Passed Senate: 12/21/23
- Signed into Law: 1/8/24
NJDA’s Position:
We fully supported this law, which prohibits insurance companies from issuing virtual credit cards as the default payment method. This practice, which had been growing across the industry, often resulted in higher processing fees than typical credit or debit card payments—unfairly burdening dental practices. Our stance remains firm: you should not be paying unnecessary fees for claims payments when no-cost options like ACH (EFT) and paper checks exist. New Jersey joins a growing list of states that have taken action to stop virtual credit card payments, including Alabama, Arizona, Connecticut, Georgia, Louisiana, Maryland, Missouri, Nebraska, North Carolina, Oklahoma, Oregon, Texas, Utah and more!
We are now hearing reports that some insurance companies are using third-party processors to bypass the intent of this law.
For example, one member recently shared an email from Delta Dental of New Jersey and Connecticut stating that, starting May 8, 2025, they will begin issuing Virtual Credit Card payments by default unless you actively select another payment method.
Important:
This practice works around New Jersey law by engaging a third party to manage reimbursement payments. While technically a workaround, it raises significant concerns and may still unfairly pressure your office into accepting higher-fee payment methods.
What You Should Do:
- Watch your email carefully for communications about payment option changes.
- If you receive a notice stating that Virtual Credit Cards will be the default:
- Keep a copy of the communication for your records.
- Contact NJDA immediately to report the issue.
➔ Contact: jperez@njda.org, Dental Practice and Health Policy Coordinator. - Update your payment preferences proactively (EFT or check) to ensure you are receiving payments through a no-cost method.
We continue to monitor insurer compliance and are prepared to elevate these matters with state regulators as needed. Your vigilance is critical in holding insurance companies accountable.
Thank you for your continued attention to this important issue.
Contact Us
Phone: 732-821-9400 or dial the Staff Directly
Fax: 732-821-1082 | Email: info@njda.org | Follow us @NJDentalAssoc
One Dental Plaza, North Brunswick, NJ 08902